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What is Deferit?

Deferit aims to enable individuals to gain mastery over their financial situations. This bill budgeting and payment service, utilized by over 550,000 users to enhance their cash flow, has successfully facilitated payments exceeding $400 million while helping clients avoid more than $39 million in late fees and penalties from billers.

Users can choose to pay upfront or divide their payments into four manageable installments. Every bill payment contributes positively to building credit history, and the service operates without interest charges or late fees, relying instead on a straightforward subscription model. With various payment options available, including ACH, Check, and Credit Card, all it takes is a simple photo of the bill to let Deferit handle the rest seamlessly!

Pricing

Price Starts At:
$14.99
Free Version:
Free Version available.

Integrations

Offers API?:
Yes, Deferit provides an API
No integrations listed.

Screenshots and Video

Company Facts

Company Name:
Deferit
Date Founded:
2018
Company Location:
United States
Company Website:
deferit.com
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Product Details

Deployment
SaaS
iPhone
iPad
Android
Training Options
Documentation Hub
Support
Standard Support
Web-Based Support

Product Details

Target Company Sizes
Individual
1-10
11-50
51-200
201-500
501-1000
1001-5000
5001-10000
10001+
Target Organization Types
Mid Size Business
Small Business
Enterprise
Freelance
Nonprofit
Government
Startup
Supported Languages
English

Deferit Categories and Features

  • Reviewer Name: Alicia M.
    Position: Supervisor
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 100 - 499
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    So helpful

    Date: Oct 27 2023
    Summary

    Very happy with my experience and can’t wait to reach a higher limit. I appreciate the responses being so quick when I submit a bill.

    Positive

    Starting out with a limit of 300 is really nice and it counts towards rent. I have been saved several times by this app. I also have the ability to change due dates if necessary which is helpful in times of need.

    Negative

    I just would like to see some kind of tracking for checks that are sent.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Owner
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Affordable Utilities alternative payment!

    Updated: Oct 29 2023
    Summary

    Deferit payments are applied fast and tools available for bill confirmations immediately weather payment is made online or mailed by them!

    Positive

    It is very affordable repayment plan and the fee of service is extremely reasonable!! I highly recommend trying from emergency small or costly utility bill Deferit is the way!

    Negative

    The first few bills had to be paid in full before I can take advantage of the service. However, it’s completely understandable to build that relationship.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Lvn
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 5,000 - 9,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Awesome

    Date: Oct 27 2023
    Summary

    My experience has been very smooth and helpful. I appreciate the creators for thinking of this great app.

    Positive

    This app has truly been a lifesaver, and has helped me be able to pay two bills at once without having to worry about picking one that was more important.

    Negative

    I have no cons about this app, my experience has been a great one.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Prep
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 100 - 499
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Thanks Man Above

    Date: Oct 27 2023
    Summary

    Great! Definitely will continue with them if need be .. hundred to bill can go along way, approved just less than a hour.

    Positive

    My electric bill was a little, and I needed and extra hundred before they would shut it off… by grace God I was able to stumble across this.. I’m so thankful it helped.. definitely recommend if anyone is in need will a bill, electric, phone etc.

    Negative

    I don’t think is any cons in my opinion.. definitely needs more stars.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Usps
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great

    Date: Oct 27 2023
    Summary

    Great I will keep using it, On time payments, it reminds you when it is your next payment, you can change the dates

    Positive

    This help me through a hard time and I appreciate the customer service and how fast it acts on paying and reminding you to pay.

    Negative

    I have no cons to this I haven’t had a problem yet

    Read More...
  • Reviewer Name: BRIANNAH G.
    Position: Intake Specialist
    Has used product for: 6-12 Months
    Uses the product: Weekly
    Org Size (# of Employees): 100 - 499
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Life saver.

    Updated: Oct 27 2023
    Summary

    Where do I start? So this has been the best!!! Thing I've come across by far. I am a single parent who lives pay check to pay check. And sometimes its been a struggle to pay all my bills, day care etc with one check. So one day I started researching ways to cut down on a few bills and I discovered deferit :) which lets you split your bills in 4 payments.. This has saved my life on soooooooooo many occasions. Ive been able to have extra money left over from my pay checks because of deferit and I am really grateful there is something out here like this. I honestly dont know how life would be without deferit. It has changed my life and has made my life a bit easier and I'm thankful for that. Also they reward you if you pay your payments back consistently they increase your limit and they pay just about any bill. Like it doesn't get any better than that. So if you are in a struggle and need a little more time figuring out things with your bills sign up for deferit :) you wont be disappointed trust me!!
    Oh one last thing, if you don't have they money to pay back your part when its due they will let you extend your days and give you more time to pay them back.

    Positive

    Easy to use, high credit limits, pays bills same day.
    fast responses.

    Negative

    Honestly I don't have any. I cant say that about a lot of apps but this is by far the best.

    Read More...
  • Reviewer Name: Ashleigh B.
    Position: Laundry
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit is a Lifesaver!

    Date: Oct 29 2023
    Summary

    I normally struggle to pay my bills. I can't remember how I stumbled upon this app but it has seriously changed my life! With Deferit, I am able to make smaller payments while my bill is fully paid off. They have saved me from having my utilities shut off multiple times! Their customer service is excellent. I plan on using this app forever and I tell everyone that I know is struggling all about it. Thank you Deferit, for your help and support.

    Positive

    I love that this app helps take away SO much stress over my bills. Being able to make them into 4 payments has made my life so much easier. Customer service is excellent and they are so helpful and understanding if you happen to become behind on a payment.

    Negative

    There's nothing that I can really say I don't like. I thought the monthly fee was annoying at first, however, even with the fee I am still paying less money than I would by fully paying off my bills myself. So in the end, it is worth it and they deserve the fee. :)

    Read More...
  • Reviewer Name: Lisa T.
    Position: Leasing consultant
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Awesome app

    Date: Nov 15 2023
    Summary

    It has been absolutely wonderful! It has kept all my utilities on and my phone. Just when I thought there was no hope this app has came through for me.

    Positive

    The let you adjust your payment date and work with you if you have any hardships. I would recommend to friends family and even co workers. This app is a life saver!

    Negative

    No cons. This app has been awesome! I have no complaints at all.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: POS Clerk
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Good service for the struggling American

    Date: Oct 27 2023
    Summary

    Great service for the struggling American trying to stay afloat.

    Positive

    Good that you get the pay in 4 option.
    Easy to use app.
    More flexibility with the pay dates.
    Good customer service even though they are backlogged sometimes.
    Bill negotiate services

    Negative

    Wish payments would post quicker to the bills that need to be paid.

    Read More...
  • Reviewer Name: Alberta B.
    Position: Unit clerk
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 5,000 - 9,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    What a life saver!

    Date: Oct 29 2023
    Summary

    Deferit has been a lifesaver for me. Working with my budget and paying the bills is extremely tight. Sometimes I don’t have enough to cover the full amount of one bill, but if I use Deferit I’m able to pay on two bills with the money I have And remain afloat . Thank you Deferit, I am forever grateful for your service!

    Positive

    Pays the bill quickly.
    Requires only a quarter of the amount the bill to get the entire bill paid.
    Great resource for tight budgets and short pays.
    Very simple and easy to use instructions.
    Flexible payback dates.
    Thank you Deferit!

    Negative

    There is nothing i don't like about this product. To use the product is very simple. The instructions are clear. It works.
    Deferit fits any budget. If you don’t like different, I don’t know why. It’s a win-win situation.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: CnA
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit review

    Date: Oct 27 2023
    Summary

    I try to use this for certain bills due to the $14.99 fee. I feel this would be a great app if the fee was not applied unless you’re late or not able to pay.

    Positive

    It’s nice to have an option of having your bills paid in full to the company but in installments for the person paying it.

    Negative

    The $14.99 fee is like charging interest and it’s charged not once but every two weeks which to me is not ok.

    Read More...
  • Reviewer Name: Lisa G.
    Position: Customer service representative
    Has used product for: 1-2 Years
    Uses the product: Yearly
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    SOS!

    Date: Oct 27 2023
    Summary

    Deferit is the most reliable app in terms of getting you out of that rough patch when you need a little extra help with the bills. Affordable, dependable payment plans that allow you to be stress free in case of any emergencies, Deferit has your back and their customer service is phenomenal.

    Positive

    Quick, fast service!!! Reliable, very helpful and helps boost your credit score!! Perfect for those rough patches in life

    Negative

    N/A haven’t experienced anything wrong at all. No issues

    Read More...
  • Reviewer Name: Brandi C.
    Position: Technical advisor
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Life saver

    Updated: Oct 27 2023
    Summary

    If I could give 10 stars I would . This has helped me tremendously! Ive used this service for almost two years and I've had no issues at all.

    Positive

    Your able to split your bills into four payments. Customer service is great and extremely fast. Deferit has helped me in so many ways. Im very thankful.

    Negative

    Haven’t experienced any.. using Deferit is a piece of cake.

    Read More...
  • Reviewer Name: Alisha E.
    Position: Staff Services Manager I
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Best app for bills

    Date: Oct 31 2023
    Summary

    It is the best app out there for deferring your monthly bills and making it easier to budget for your monthly bills.

    Positive

    I love this app. It really helps me to be able to afford my bills. I can defer some of my payments and pay in installments which makes things easier on my budget. Being a single mom, it really helps to have more flexibility.

    Negative

    There’s not really anything I don’t like! The app is easy to use

    Read More...
  • Reviewer Name: Halid M.
    Position: Senior Security Officer
    Has used product for: 1-2 Years
    Uses the product: Weekly
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    5 Star Deferit

    Date: Oct 27 2023
    Summary

    5 star overall the app is excellent with easy payments and gives you more options for other things you can use that will be beneficial to you

    Positive

    I have to say one of the best apps I ever used in my life. It’s very affordable, easy to use, customer service is excellent and most importantly it’s very helpful with any bills you need to pay and gives you the benefit to be able to pay it in 4 times in easy payments that help you 100% live in easy. I recommend this app 10/10

    Negative

    I don’t see anything bad with this app as I said it’s very easy to use for everyone

    Read More...
  • Reviewer Name: Kim H.
    Position: Admin
    Has used product for: Less than 6 months
    Uses the product: Yearly
    Org Size (# of Employees): 26 - 99
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great to use when you are in a pinch

    Date: Oct 27 2023
    Summary

    I have had no issues with this app. It is easy to use and if there is an issue, it will notify you immediately.

    Positive

    I am able to space out payments on unexpected bills allowing me to be able to be on time. App is easy to use.

    Negative

    Some bills cannot be paid immediately, and have to have a check sent for payment.

    Read More...
  • Reviewer Name: Andreas H.
    Position: Cust. Svc/ Quality Audit Rep Sr.
    Has used product for: 1-2 Years
    Uses the product: Yearly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit is a very helpful alternative

    Date: Oct 27 2023
    Summary

    The program is a good safety net but is not worth $15 a month. The fee should be lowered. I cannot speak on the customer service as I haven’t had to use it before but overall Deferit is a great service.

    Positive

    I like that I can pay my actual bills in 4 and that u have the cushion to help when my funds are in a jam.

    Negative

    That you have to have pdf versions of the bills, that the payments sometimes have to go it in paper check form versus being paid online, the $14.99 fee is expensive for a service I don’t use that often.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Candex
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 100 - 499
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Has really saved me a few times

    Date: Oct 27 2023
    Summary

    I have had a great experience with them so far and have been able to at least cover a few bills or half of them at least. User friendly and very quick.

    Positive

    I like that I can use it to help when I am short on cash and be able to split some of my higher bills into 4 payments.

    Negative

    I do wish that the amount was higher so I could use what I have to pay my entire bill but I also understand being newer to the app you have to build trust.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: HR
    Has used product for: 2+ Years
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Deferit

    Date: Oct 27 2023
    Summary

    Experience has been great not like any other. I have no major complaints, has been a true lifesaver.

    Positive

    Deferit has honestly been a life saver. You simply upload a bill and then pay a down/first payment. Other platforms require credit checks. If you run into a issue the deferit support team is very helpful with resolution.

    Negative

    The only con is that it would be nice to have higher limits and maybe even extended pay back.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Bartender
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Very helpful

    Date: Oct 28 2023
    Summary

    I am very satisfied with this service. It has helped me stay on top of bills that I can't afford to pay all at once.

    Positive

    This is a very helpful thing for me. Especially being a single mom if 4, full time worker. I like that I can split it into payments to make it more affordable.

    Negative

    You have to first pay 3 bills $50 and over before u can stay the installments.

    Read More...