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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: Alisha C.
    Position: NYPD Crossing Guard
    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

    Best App since sliced bread

    Date: Oct 28 2023
    Summary

    All in all this is a great app and I highly recommend I don’t mind paying the $14.99 a month for the convenience.

    Positive

    This app is absolutely amazing. I wish this was around eons ago. I love the convenience of not having to pay my bill in full, but in for easy payments. This is just like QVC or Afterpay but for bills. It’s just awesome kudos to the creator of this app.

    Negative

    The only con I have about this app is when I started I believe I paid $10 a month if I’m not mistaken and now the price went up to $14.99 a month.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Warehouse Person
    Has used product for: 6-12 Months
    Uses the product: Weekly
    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 love the flexibility they give us! I love that we are able to pay our monthly bills. I love that they listen.

    Positive

    I love that they understand and give us the opportunity to extend our payments. Now days is really hard to keep up with payments on time. I also love that we are able to move payments more than once for every installment. I will continue to use Deferit. I have recommended this App to friends. Thank you Deferit for helping us maintain our monthly services.

    Negative

    It takes a little too long to get more credit, but it is understandable if some of us ask for a little extra time to make payments… but I will definitely continue using this App.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Clerk
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 10,000 - 19,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    The best

    Date: Oct 28 2023
    Summary

    Awesome! Deferit is a lifesaver. I would recommend Deferit to any and everybody. They have multiple different uses.

    Positive

    Deferit has been very helpful with helping me keep my bills paid and up to date. Deferit pays many different bills and is extremely helpful when you don’t have it all up front.

    Negative

    You can’t talk to a representative over the phone anymore.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Manager
    Has used product for: 1-2 Years
    Uses the product: Monthly
    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

    Do bills have your wallet in a grip hold? Snatch it back with Deferit!

    Date: Oct 27 2023
    Summary

    Overall experience is amazing! I highly recommend this device in a pinch. Pay on time get higher limit.

    Positive

    Amazing customer service. They don’t want to own your soul😂 if there is an issue reach out. They will work it out. Bill pay is quick, easy and painless. It processes quickly and they confirm payment. Payment made within minutes in most cases. Never had it take more than an hour.

    Negative

    I have nothing bad to say. It has been nothing but a positive experience for myself.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Administrative Assistant
    Has used product for: 1-2 Years
    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

    Rescuer

    Date: Oct 27 2023
    Summary

    I highly recommend Deferit! It exceeded my expectations. It's easy to use, and the approval response is in a timely manner.

    Positive

    So far, I've had a great experience with Deferit. It is a major help to me during this rough economy. I appreciate that I can count on Deferit when I am in a jam.

    Negative

    No complaints at all! My allowance rate increased in a reasonable amount of time. I would like to see more vendors accepted instead of the mailed-out payment option.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Medicare health advocate
    Has used product for: 6-12 Months
    Uses the product: Daily
    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

    Deferit is a life saver

    Date: Oct 27 2023
    Summary

    My overall experience is great with Deferit like I said before it’s the best app in my phone. Deferit makes it very easy for me and it’s an extreme help. The $14.99 a month is very much so worth it!!

    Positive

    I want to start off by saying I stumbled across this app and it’s by far the BEST app in my phone! Deferit is a great source of help when you need it. I started off with a smaller limit and now I am at $600 because they are loyal to their customers I am very loyal to them. If you have to reschedule a payment you can do so and it won’t effect the amount you owe! Also they just added a new feature where you can pay bills through them to report to your credit. I have told sooo many people to download this app and explained the process is super easy. I love deferit and will continue to use them I have never had any issues.

    Negative

    The only thing I don’t like is that they do not have a phone number but they are very very responsive through email. They normally respond within 48 hours .

    Read More...
  • Reviewer Name: Christina E.
    Position: Restaurant Manager
    Has used product for: 6-12 Months
    Uses the product: Weekly
    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

    Love this app

    Date: Oct 28 2023
    Summary

    Been using this for awhile. It helps me so much budget and clear bills. I recommend it to my family and friends.

    Positive

    The ease of use the quickness of bills getting paid. The price is awesome. I love that it reports on your credit as well.

    Negative

    Honestly don’t have any complains.. maybe add some more companies that work with it.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Customer Service
    Has used product for: 6-12 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

    Life Changing App Deferit

    Date: Oct 27 2023
    Summary

    Great app to use overall. It is also a great app that builds your credit history. I would recommend this app service to anyone. I have never had any issues with the app whatsoever. It is a lifesaver.

    Positive

    I like the option of being able to split my bills up into four payments. I also like the option of extending my due date if needed to do so. The app also builds your credit history. It is a great app to use if you are in a crunch.

    Negative

    There is nothing that I didn’t like about the service with Deferit. Great service!!

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Program manager
    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

    Love it!

    Date: Oct 29 2023
    Summary

    I would recommend this app to anyone who needs help. My experience has been a positive one overall.

    Positive

    Deferit helps me out when money is tight. They have always come through for me. I recommend if you have a big bill and need a way to break it up to use this app.

    Negative

    I have no cons with this app. So no need to fill this out.

    Read More...
  • Reviewer Name: Trenelle A.
    Position: Lpn
    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

    Helpful

    Date: Oct 27 2023
    Summary

    I’m definitely going to keep using this app. It’s beneficial especially if you don’t have a lot of money to pay those large bills

    Positive

    They help in the time of need we all know these bills can get out of control. This app is helping stay current

    Negative

    That you have to pay full bills before they offer the loan installment plan. The subscription is a bit pricey

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Shipping clerk
    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

    Good company

    Date: Oct 27 2023
    Summary

    Great experience there for me when I need some paid. And it don't take long for my bill to be paid quick response.

    Positive

    Deferit is always there for me when it's time to pay my bills. And help my credit score. My spending keep going up. ❤️

    Negative

    I have nothing negative to say about this company. My experience have been great with this company

    Read More...
  • Reviewer Name: Loretta A.
    Position: President
    Has used product for: 1-2 Years
    Uses the product: Daily
    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

    Great way to manage billls easily

    Date: Oct 28 2023
    Summary

    Great overall experience. Used for over a year. Highly recommend. Use it for phone and cell bills and mailed payments for others.

    Positive

    Allows me to split my bills over a 4 payment period and helps split up any larger bills. App works well as does website. Plus reports payments to credit bureaus so a win win.

    Negative

    Support can take a day or two but is responsive. Support is web based or email.

    Read More...
  • Reviewer Name: Karen M.
    Position: Security
    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

    Deferit is the way to go

    Date: Oct 27 2023
    Summary

    Excellent service, I recommend this service to anyone, no complaints. Deferit was the only service I could depend on.

    Positive

    If you need your bills paid in a hurry, call Deferit. Swift and accurate service you can depend on. When I was in a bind, Derferit came to the rescue.

    Negative

    There is none, the service is excellent and I am satisfied with the service.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Office Manager
    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

    Really comes in handy

    Date: Oct 27 2023
    Summary

    I enjoy the app experience it’s simple and easy to use don’t have any complaints at all really. It simple and easy.

    Positive

    The few times I’ve had nowhere else to turn to help pay my bills. Deferit has been such a Savior. Great product, highly recommended.

    Negative

    The monthly subscription fee is a bit high. It should be brought down or eliminated.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Ophthalmic Technician
    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 have been struggling to pay my electric bill for several months now. I came across this girl who commented on social media about how she used deferit to pay her bills that allowed her to make payments. I looked into it and decided to give it a try. I’m so glad I did! It was so easy to download and upload my bill. Even though it didn’t let me pay the full amount I owed, it still helped me out so much, and for that I'm grateful for. This app isn’t like others. It allows you to change the minimum payment owed if you still can’t afford it. It has made my life a little easier not being so stressed out about getting my utilities turned off. I will continue to use it and tell others about it hoping I can help someone else out that needs it. Thank you Deferit for helping families like mine in need.

    Positive

    I liked how it allows you to make payments how you like and it was very easy. I also liked that it’s an app to pay your bills like your utilities.

    Negative

    I didn’t like that it didn’t accept pre paid cards and I wish the amount allowed was higher. I also didn’t like that you have to pay a monthly fee to use it.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Pension service rep
    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

    Help where it counts!!

    Date: Oct 31 2023
    Summary

    It's been a very good experience. There's flexibility with changing payment dates. And sometimes you're able to get a little increase, which is good to leave on file for emergencies.

    Positive

    Becoming a single income household with kids has been a struggle. Deferit allows me to free up some money paycheck to paycheck for basic necessities like groceries, diapers, etc. That keeps my family going. It's a blessing to say the least.

    Negative

    Sometimes it takes a long time to get a response now but you do get a response.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: None
    Has used product for: 1-2 Years
    Uses the product: Yearly
    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

    Horrible

    Date: Jan 23 2023
    Summary

    My mom has had a catastrophic illness and is hospitalized. Deferit has done nothing but harass and humiliate my mom. She had a massive stroke and is having to learn all aspects of life over. Despite me contacting Deferit on my mother's behalf explaining the situation they keep sending nasty and humiliating messages and emails to her. We don't know if she will survive but they will not stop. She has lost everything due to her illness.

    Positive

    Nothing.

    Negative

    Cruel treatment.

    Read More...
    Official Deferit Response
    Date: Oct 26 2023
    Hi There, I'm truly sorry to hear about your mother's illness and the difficult situation you both are facing. Please accept our best wishes for her recovery and our deepest apologies for your Deferit experience, as this is not an experience we'd hoped for a valued customer like yourself. We take our customers feedback very seriously and want to do our best to make things right. To do so, kindly reach out to us directly with your account details ATTENTION REVIEW. Our thoughts are with you and your family, and we hope for the best possible outcome for your mother's health. Thank you for bringing this to our attention, and once again we are committed to making things right.
  • Reviewer Name: A Verified Reviewer
    Position: Gi equipment specialist
    Has used product for: Free Trial
    Uses the product: Monthly
    Org Size (# of Employees): 10,000 - 19,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    A wonderful solution if running low on cash.

    Date: Oct 27 2023
    Summary

    Good experience I would definitely recommend to family and friends. There's no one you need to talk to.

    Positive

    Very quick and easy to upload documents. Bill are processed quick. Processing takes place immediately.

    Negative

    More money on what bills. Some bills can not be uploaded.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Filmmaker
    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

    BEST Utility Bill Installment Pan App

    Date: Oct 27 2023
    Summary

    The Deferit App is THE best app available to anyone that finds budgeting challenging and ensuring that the utilities can stay on AND air helps with credit too!

    Thank you Deferit!

    Positive

    I cannot begin to describe what a GREAT help this app has been to me. I receive SSDI and this app has allowed me to break down my payments without having to worry if I can pay a bill or go without.

    Thank you SO much for allowing me to have no stress, sleep better and live a more abundant life.

    Negative

    There is nothing that I can indicate is a a con to this app. I’m able to pay 2-3 utility bills each month.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Store Manager
    Has used product for: 2+ Years
    Uses the product: Daily
    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 Budgeting Tool

    Date: Oct 27 2023
    Summary

    My overall experience is highly satisfied. I rarely have any issues with using this app. I would like to see this app be expanded to help pay on student loans, car payments, and/or credit card payments.

    Positive

    Deferit is an awesome app! This app helps me budget my spending because I’m literally living paycheck to paycheck. It allows me to spread out my expense spending weekly by paying a small portion every week by splitting all of my bills in 4 smaller payments.

    Negative

    I don’t like having a preset amount to spend unless I’m an habitual spender not able to make my payments timely. But if I am a frequent user; then there should be approved benefits to use the app with an unlimited amount as long as I am in good standing.

    Read More...