Deferit is a bill budgeting and payment platform that has helped over 550,000 people improve their cashflow and pay bills in installments. To date Deferit has paid over $400m in bills and saved its users over $39m in late fees and other biller penalties by ensuring bills get paid on time.Pay upfront or over time in 4 easy installments. Build your credit history with every bill payment. The flexibility to change payment dates to suit your lifestyle. No interest, no late fees, just a simple subscription. Whether the bill needs to be paid by ACH, Check, Credit Card or any other method, simply take a photo of the bill and we take care of the rest!
Deferit (deferit.com) has 228 customer reviews on Five Star Index, with an average rating of 3.8 out of 5.
Also known as
deferit.com
Website
deferit.com
Category
Administration & Services
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 93% of reviews.
Latest
Most recent review: October 2026.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
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What can I say about a company that tries hard, has an easy to use app & comes through for those of us in need a quick bill payment relief? Well, its a real roller coaster!
My bills don't get paid on time and now my insurance company even told me the payment they used FAILED!
DO THEY NOT HAVE MONEY TO PAY OUR BILLS?
Then the $50 virtual card is essentially useless from what i can tell. No clue who takes it! Its not supported anywhere! No address info either so how does it work? I dont know!
Then the app is wonky. Home page is often inaccessible.
This company is owned by Zip & i like both, Deferit is a much easier to use app, but they REALLY need to get it together at Deferit. My car insurance expired due to their negligence & now is at risk again just 2 days later!!
TM
Tracey M.
Quick Response amazing Service
I must let you know that this is a follow up from my first review. I am very happy to announce that shortly after someone reached out to me and account was back in good standing with no accrued charges or late fees. Thank you for your quick response.
Response from DeferitOct 20, 2026
Hi Tracey,
Thank you for taking the time to share this follow-up with us. We're delighted to hear that your account was quickly restored to good standing and that any accrued charges and late fees were resolved.
Providing prompt, fair, and effective support is always our goal, and we're grateful for the opportunity to make things right. Your updated feedback means a lot to our team and reinforces our commitment to delivering the best possible experience for our customers.
Thank you again for your patience, understanding, and kind words. We're always here if you need assistance in the future and look forward to continuing to support you.
LA
Latasha
Very misleading company offer to save…
Very misleading company offer to save money and bill but doesn’t tell you if they save you any money they will turn around and bill you through their company.
Response from DeferitOct 19, 2026
Dear Latasha,
Thank you for taking the time to share your feedback. We're sorry to hear that your experience with Deferit has left you feeling misled and disappointed.
We understand your concern regarding our bill savings service. When a savings negotiation is successful, any applicable fees, charges, or repayment obligations are disclosed in accordance with the terms of the service selected. However, we'd like the opportunity to review your specific situation and clarify exactly what occurred on your account.
To ensure we can provide immediate and personalized assistance, please contact us directly at [email protected] using the email address linked to your Deferit account. Our team will review the details of your account, explain any charges or savings-related activity, and address any questions or concerns you may have.
We take feedback like yours seriously and want to make sure you have a clear understanding of how the service works. We're committed to reviewing your concerns thoroughly and providing transparent information regarding your account.
Thank you for bringing this to our attention. We hope you'll give us the opportunity to look into this further and assist you directly.
CL
Charlyne L.
Everything was fine until they…
Everything was fine until they negotiated a bill for me. Big mistake!! I ended up with a big bill of $840.00 that I have to pay them because they claim they saved me $1,680on my bill. They tell me it's a 50/50 deal, so I owe them half of what they save me for the year. I'm already having trouble paying the bill every month, which is why I'm using Deferit to split my payments. Now I have an extra $210.00 I have to pay them in four installments. There's no way in hell they saved me $1,680.00. I asked for proof, and I got nothing! Don't get them to negotiate shit. They're just making up figures. I'm reporting this further. I don't believe this is accurate.
Response from DeferitOct 19, 2026
Dear Charlyne,
Thank you for bringing your concerns to our attention and leaving your feedback. We sincerely apologize for the frustration, stress, and inconvenience this experience has caused you.
We understand your concerns regarding the Bill Savings fee and the savings secured on your T-Mobile account. We have sent a direct, detailed email addressing all current issues and breaking down the specific terms and savings figures on your account.
Please review that message at your convenience. We are committed to working through this with you and ensuring everything is resolved to your satisfaction.
TM
Tracey M.
I was loving this app until now I am screaming for help
I was loving this app until now, it has been too weeks now I am trying to make contact with the company via the app and deferit.com.Every Day I am trying to reach out in different ways, their AI chat agent Sam put several tickets daily and no one has contacted me.they froze my account because according to them to protect me . Because of this I am not allowed to make a payment which is not overdue. They are sending several messages for me to contact them to avoid disruption but I cannot reach any one. I am screaming for help anyone please help me.
Response from DeferitOct 19, 2026
Hi Tracey,
Thank you for bringing this to our attention, and we're very sorry for the frustration and inconvenience this situation has caused.
We've reviewed your account and can confirm that we have already sent you a detailed email addressing all the current issues on your account, including the temporary account restriction, the verification required to remove it, and your payment schedule.
We understand how stressful this has been, and we're committed to helping you get everything resolved as quickly as possible.
Please refer to the detailed email we've sent and reply directly there so we can continue assisting you.
CF
Caleb F.
I have paid my first installment…
I have paid my first installment payment and submitted my spectrum bill 3 days ago, and it still hasn’t been paid. I have went on the app several times to connect with customer service to get help but I have yet to get a response. I want my money back or my bill paid
Response from DeferitOct 12, 2026
Hi Caleb,
Thank you for bringing this to our attention, and we're sorry for the frustration caused by the delay.
We've reviewed your account and can confirm that your Spectrum bill was successfully paid on October 12, 2026. We have also sent you a detailed email directly with the payment information, including the confirmation number and next steps.
Please note that billers may take 2–5 business days to post and reconcile payments to customer accounts. If needed, Spectrum can locate the payment using the confirmation details provided in our email.
We appreciate your patience and encourage you to reply directly to our email if you have any further questions or need additional assistance.
CB
Candace B.
Good in a pinch but….
Good in a pinch but you are supposed to pay a one time deposit on your first use and they refund it. Mine has still not been refunded and it was weeks ago. It’s supposed to be an automatic return and they made me pay a deposit when I tried to set up another one.
Response from DeferitSep 22, 2026
Hi Candace,
We are truly sorry for the frustration and stress this experience has caused you.
To give you complete clarity, we have just sent a detailed email directly to your inbox addressing your deposit refund and our policies.
In summary:
• Deposit Refund: Your $19.99 security deposit was successfully processed on July 30, 2026. We have requested the official refund receipt and will send it over as soon as it's ready.
• New Bill Deposits: Under our standard Pay in 4 terms, new bill plans require a standard security deposit once previous ones are completed and refunded. This refundable security deposit will also be automatically refunded once all installments for the new bill are paid.
Please check your inbox for our full email. We are monitoring your account personally—feel free to reply directly to that message if you have any questions.
AL
Alicia
Very frustrating experience with…
Very frustrating experience with Deferit. They charged me $178 for a bill I never agreed to have negotiated, and I specifically asked them to cancel it. They still processed the payment, putting my account into the negative, and now I’m being told I’ll be charged every two weeks. I never agreed to this. Please be careful with this company.
Also don’t believe their reply saying email, I put 3 tickets in with no reply… Now I have to close my account with them , because of lack of communication.
Oct 16 , one star
Update on my Review , they replied and cancelled negotiations…Thanks
happened again. Leah handled another negotiation involving Cox, now Spectrum, and I discovered a $15 withdrawal and payment plan I never authorized. I was not on the website or in contact with anyone that day. Nobody has reached out or resolved this issue. Whether this is a system error or an unauthorized transaction, this is unacceptable. I want an explanation and this matter resolved immediately.
Response from DeferitSep 18, 2026
Hi Alicia,
We hope you are doing well, and we want to reach out and sincerely thank you for updating your review and giving us a 4-star rating.
We completely understand how incredibly frustrating and stressful it was to see a bill processed that you had asked to cancel, especially when it impacted your bank balance and caused confusion around biweekly installment charges. We also hear your feedback loud and clear regarding the ticket delays you experienced, and we are deeply sorry for the anxiety and inconvenience that lack of communication caused you.
Under Deferit's standard policies, when a bill payment request is canceled prior to completion, any initial installments or fees collected are fully processed for a refund back to your original payment method. We are so glad our team was able to step in, stop the negotiations on that bill, and ensure your account and payment schedule were corrected so no further biweekly charges occur.
Your feedback regarding our support ticket response times is extremely important to us, and we are actively using it to improve our communication channels so our customers never feel left in the dark.
If you ever decide to keep your account open or if you need any further assistance with your refund status or account settings down the line, please reply directly to this email—we are always right here and happy to help you.
