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
Integrations
Company Facts
Product Details
Product Details
Deferit Categories and Features
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Saved my life
Date: Oct 27 2023SummaryMy name is Nicole and my experience with Deferit has been amazing. If it wasn’t for this app, me and my kids wouldn’t be able to keep our utilities on every month. when I lost my job earlier this year I didn’t have a lot of money coming in and this app allowed me to keep my utilities on I don’t think this company will ever know what they’ve done for me. I recently became a widow, so everything is on me with three kids and I take care of mother with dementia and there’s been times where I received a disconnect notice to turn off my light and I use this app and I was able to save my lights from being turned off. I can also change the pay back date if funds are not available which for me is a life saver. I want you guys to know that what you created is awesome and I have referred many people to this app and you have helped them as well. Thank you.
PositiveEasy to use.
No fee for changing payback date.
Allows you have more then one account open at a time.NegativeMonthly fee a little high.
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Can’t see your balance on the home page. -
Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Deferit Pros & Cons
Date: Oct 27 2023SummaryDeferit is a great tool when you’re needing help but don’t have any. I’ve used it on my electricity bill and it has saved me from disconnection.
Positive•Helps with bills
•Decision made on whether a bill is able to be paid or not is made fairly quickly
•Doesn’t take too much hassle to add required documents
•Flexible payment dates if unable to payNegative•More important bills don’t qualify (for me at least.. ie rent, car payment)
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•Balance hasn’t gone up anymore -
Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Life Saving
Updated: Oct 27 2023SummaryI love Deferit. I've used it several times and it really is godsend. Just upload your bill and make your initial payment and let them handle the rest!
PositiveMakes paying your bills easy. Deferit lets you split your bills in four payments so when you're running low on funds, you can still get your bills paid on time!
NegativeWish they didn't have their monthly service fee but the price is worth it.
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Not all bills get paid right away. Some bills have to be mailed in so make sure if it's one of those bills, you're not at risk of getting disconnected. -
Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Love it
Date: Dec 07 2023SummaryIt has been an amazing experience and I like that it helps people be able to get their bills paid and you can pay back in small payments!
PositiveThe site is easy to navigate, It is easy to make payments, you can pay back in affordable payments. It is easy to get in touch with customer service they get back to you very quickly.
NegativeI wouldn't change anything. I haven't had any problems with the site. The only thing I think could be a little better is the fees. I would like it better if you could pay monthly.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Awesome company
Date: Oct 28 2023Summary10 out of 10 over all great company and easy to use. Plus when you do pay on time the money goes up of what you can spend.
PositiveThis company is amazing. Very easy to get the bills paid and the monthly charge is pretty cheap. I have not had one issue with Deferit. Very friendly associates when you need help. Very understanding if you have to push a payment back they give you pretty decent time range.
NegativeNever had an issue with this company very happy. Easy.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Great App
Date: Oct 27 2023SummaryOverall experience is very positive. It’s nice to know they are there if ever I need help. I would like to see them add car payments and rent, that would really really help people I think.
PositiveThey have literally saved my life during some difficult times. I have never had any issues with them. Highly recommend to anyone who may need a little help.
NegativeCustomer service is a little slow in getting back to you. The 14.99 subscription fee is a little high for someone who may be struggling. Other than that no other issues.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Very dependable
Date: Oct 27 2023SummaryEasy to use app, just upload my bill and it is taken care of in just a few hours. Have not had any issues yet.
PositivePays my bills quickly without problem, easy to use app. Flexible with payment schedules and able to reschedule.
NegativeI haven't had any problem with them and have used them quite a bit.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Review
Date: Oct 27 2023SummaryGREAT COMPANY, would think to lower subscription fee for some who are still trying to pay off items.
PositiveDeferit has been a great way to pay on my rent or other bills when I was in a bi weekly standing point. They sent a check to my leasing office and really helped out a bunch.
Negative4 payment option isn’t available more often, would like to see that more.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Deferit helps keeps your lights on
Date: Oct 29 2023SummaryI love Deferit. They have made my life so much easier! No hefty fees or unrealistic interest fees, no hassle, simply upload your bill & pay 1/4 of it now. They pay the entire amount and allow you more time to pay the rest!
PositiveDeferit is awesome! I don’t know how many times I stressed because one of my bills ended up being too high to pay in one check or I had to move things around to make sure I could afford groceries & cost of living. Deferit makes it easy! For less than 2 iced coffees a month, Deferit can help make your life easier without drowning you in hefty fees and more debt. Deferit makes it easy and simple to pay your bills in 4 payments (or less if you want you can pay earlier) so that you can keep your lights on AND food on the table.
NegativeThere are no cons! It’s easy & affordable! It would be helpful to be able to use it for bills that don’t provide statements or online pay options though!
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Deferit subscription fees.
Updated: Oct 14 2023SummaryFinally, I received an email, apologizing for any inconvenience, and that they were gonna take care of matter what the date they still took out another fee. I would never use them again and I wouldn’t recommend them. They do pay your bill right away but it’s not worth the hassle that you got to go through to cancel them all and try to contact him what you can’t do and then that you your subscription fees they keep taking and maybe even taken from Car is that you never even given them. I have contacted my attorney asked me to contact him once more time. My lawyer said to have them correct the problem before he takes for the action
PositiveI really like how fast they paid my. The app was easy to set up uploading your bills. I thought it was a great actor I could use if I ever needed to pay something and I didn’t have the money I was really great. It was really great that they paid. my bill was in a couple hours.
NegativeWell let’s start with the subscription fee. I used them once paid off my bill and subscription fee for the first month. As of today I still be charged subscription fee when I close my account and you’re charging it to my credit card and I never gave them the information. Been trying to contact someone for months and fast as I make my credit card payment. My balance keeps going down because every month for the last five months they’ve been taking money think twice before you use them Deferit.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Deferit is the best Financial tool ever!!!!
Updated: Oct 27 2023SummaryI am truly fond of Deferit as they have significantly alleviated my stress. The past few months would have been incredibly challenging without the assistance of Deferit. The option to divide my expenses into four manageable payments is particularly advantageous for me, considering my monthly income. I have been a loyal user of their services for more than two years, and I can confidently award them a perfect rating of 5 stars. I highly recommend giving them a try, as you will undoubtedly be satisfied with the outcome.
PositiveSimplicity and convenience, financial flexibility, Interest-free payments is the BEST! There is no credit impact, unlike credit cards or loans, using Deferit does not usually require a credit check. Deferit provides transparency in terms of the payment due dates and amounts. You can see a clear breakdown of you bill, making it easier to plan your finances accordingly.
NegativeLimited bill types. Deferit may have limitations on the types of bills that can be split. It may not be available for all types of bills or expenses, which could limit its usefulness in certain situations.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Great Product
Date: Oct 27 2023SummaryI have the best experience if i cant make a payment i am able to extend it. It is great and I haven't had any bad experiences with it.
PositiveThis is the best thing i could use for bills when I'm low on cash. I can make a partial payment and then pay the rest when i get paid and still be able to live or get groceries for my kids.
NegativeI don't like that i can't pay my cable bill on it. It always say it would have to send a check.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
I love that there all my AT&T bill
Date: Nov 12 2023SummaryGive them a 5 star because Deferit is a company that works with you and they best I have seen. So I will tell everyone about Deferit.
PositiveEverything there for me with my bill and never leave them because my credit is going up because I pay my on time.
NegativeEverything because I got paid on time I love what they is working with me.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Take The Stress Away
Date: Oct 27 2023SummaryMy experience has been wonderful since the day i begin using Deferit i would highly recommend their service and continue to spread the word.
PositiveI love Deferit and how it allows you to pay what you owe back in a more stress free payment plan way. If you're having an issue with the payment date you can access the calendar to move back the date with no problem. I love the fact once you submit your bill its getting paid within 2 hours! This is definitely a hassle-free company that i would highly recommend
NegativeI don't have any Cons with Deferit just wish they were around sooner but its great i know about them now.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Helpful
Date: Oct 27 2023SummaryMy experience is easy and quick the overall experience is just a beee3 and thankful to have something like this available.
PositiveIt is a very helpful place to wing your bills in a time of need it’s very easy to maneuver and doesn’t make you feel like you won’t receive help.
NegativeIt is nothing I do not like expect for the tip offerings sometimes I feel bad not to be able to help others with tipping.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Quick help at low prices
Date: Oct 27 2023SummaryI would recommend this service to anyone that may struggle to pay a bill on time. There are times that I do not know what I would do without them.
PositiveThis company is always there when I'm in a pinch. The process is quick and the payments are almost instant.
NegativeI don't have any cons at this time. They have always worked with me if I have an issue getting a payment in on time.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
This is the best
Date: Oct 30 2023SummaryThis is one of the best things ever. I like how the balance increases every time you pay a certain amount off.
PositiveI love this service because it really helps me to be able to pay some of my larger bills without dropping the huge payments.
NegativeI don't have any cons about this. Even the "fees" aren't anything too terrible.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Very helpful
Date: Oct 27 2023SummaryI’ve had nothing but good experiences while using this app. It has helped me out so much I’m so happy that I came across it.
PositiveI like that’s it’s very helpful to me and easy to use. I remember I had just lost my Job and wasn’t trying to spend the full amount and I was blessed with Deferit which helped me pay over time. Now I use it regularly to pay my phone bill and it works out much better.
NegativeNothing bad one of the best and easiest apps to use.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Deferit to the rescue.
Date: Oct 27 2023SummaryOur experience with deferit was great. Everyone was smooth sailing. Easy to understand , easy to use.
takes a matter of minutes to complete.PositiveDeferit saved our upcoming bill, our stress and even our sanity.
Deferit was the only company that I could take care of us. I will always think of Deferit first to help save us.NegativeThere really wasn't anything that I would have called a con. I stand by Deferit.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
The Outcome
Date: Oct 31 2023SummaryMy overall experience is great with Deferit. There are very few issues that I have found with them.
PositiveI like how I can pay my bill overtime, and boost my credit with Deferit. The monthly fee isn't to bad either.
NegativeSpeaking to a representative can be time consuming.
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