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
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The company replied to 93% of reviews.
Latest
Most recent review: October 2026.
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I have never used deferit to pay a bill after setting up my account many years ago. I am currently trying to close my account to remove it from my credit score and it has been impossible! I have escalated my complaint to AFCA after getting no response from deferit.
Response from DeferitSep 18, 2026
We completely understand your frustration regarding closing your account, especially after not using Deferit for years and working to manage your credit profile. We deeply apologize for the lack of response and for the stress that led to your AFCA escalation. We want to ensure your request is addressed immediately under our standard account closing procedures.
To help us process your account closure and review your profile right away, please send an email directly to our dedicated support team:
Email: [email protected]
Subject Line: Urgent: Account Closure Request - AFCA Escalation
Once our team receives your email at [email protected], we will prioritize your request, process your account closure in accordance with our policies, and reply directly to confirm once everything is complete.
Thank you for your patience, and we look forward to assisting you as soon as you email us.
CW
Cindy W.
Deferit is an absolute scam!
Deferit is an absolute scam! They changed $1.99 join fee and a $14.99 monthly membership fee., Right away they present you with a $50 card which you don't get a choice to decline. The $50 comes off of your spend balance and can't be used to pay bills it has to be used to buy something, there is no way to turn the $50 down. I joined Deferit to pay my Boost mobile bill. Deferit would not pay my Boost mobile bill. I asked to cancel my membership within a few minutes after joining. I requested a refund of the join fee and men fee. I was denied a refund because of the $50 virtual card which I did not use.
Response from DeferitSep 15, 2026
Hi Cindy,
We have personally taken ownership of your account to ensure everything is sorted out to your satisfaction. We are truly sorry for the frustration, stress, and inconvenience this experience has caused you.
We want to inform you that we have sent the full details of your account updates and resolution via direct email.
Here is a quick summary of the actions we have taken on your behalf today under Deferit's standard procedures:
• Virtual Card Removed: We have successfully canceled and deleted the $50 virtual card from your account.
• Boost Mobile Processing: Due to biller payment limitations (no check, RPPS, or guest payments accepted), Boost Mobile bills are currently unsupported.
• Account Canceled & Refund Issued: Your membership is canceled with no future charges. We have officially processed a full refund for both your monthly membership fee and join fee (reflects in 5–10 business days).
Should you ever wish to return in the future, please keep our One Account Policy in mind and reach out to us directly so we can reactivate your original profile.
If you have any lingering questions, please reply directly to the direct email sent—we are right here to assist you.
GB
Ghee B.
BEWARE: THEY STEAL YOUR FINANCIAL INFORMATION
They’re deceptive. Before you agree to sign up, they provide a pricing breakdown that makes the cost seem clear. But after you agree and become a customer, they tack on a hidden fee. When you’re already experiencing financial hardship, you don’t necessarily have extra money available.
They claim the fee is disclosed in the Terms & Conditions, but when I tried to view the document, it was blank.
I used my PayPal debit card for this account. I use this cards details very sparingly. After signing up, someone attempted to use that card to make a $510.19 payment toward an Apple Card. I don’t have an Apple Card, so this was obviously not my transaction.
Thankfully, I don’t keep my bank account linked for online transactions, because otherwise I would have been screwed.
Overall, the unexpected fee and what happened with my PayPal account have left me extremely uncomfortable with this company and its practices. Someone that works at this company STEALS PRIVATE FINANCIAL INFORMATION.
UPDATE: Despite company’s stance on linking to PayPal, I used my PayPal debit card. That cards details are very sparingly used and their company was the last company I gave that information to.
Regardless of the current access to their terms and conditions there is a glitch to that document during the sign up process. It feels intentional although I have no way to prove that. DONT TRUST THIS COMPANY. Just read all the reviews for yourself. The possibility of them helping you is too small to trust them with your sensitive and private information much less your bank account.
Response from DeferitSep 13, 2026
We hear how alarming and stressful this situation is, and we take allegations regarding security and data privacy extremely seriously. We completely understand why an unauthorized charge on your external account would cause immense concern, especially during a time of financial hardship. We want to address each of your concerns directly and bring total transparency to our security practices and policies.
1. Data Security & Payment Methods Supported:
- First and foremost, we want to provide full assurance that Deferit does not support or accept PayPal as a payment method, nor can PayPal accounts be linked to our platform.
- Supported Payment Methods: Under Deferit’s security architecture and terms, we only support payments made via valid debit cards (Visa and MasterCard).
- Data Privacy: We do not store, access, or have any connection to PayPal accounts, nor do our employee systems have access to process external transactions (such as Apple Card payments).
Because your PayPal account was targeted externally, we strongly encourage you to report that $510.19 charge immediately to PayPal’s fraud department and secure your PayPal login credentials, as that activity occurred completely outside of the Deferit system.
2. Fee Transparency & Terms and Conditions:
We never want any fee to feel like a surprise. Deferit operates on a simple, transparent subscription model:
- Monthly Membership Fee: A flat $14.99/month membership fee (lowest plan which covers the cost of paying essential billers upfront without charging interest or late fees).
- Payment Processing Fee: A standard $0.99 fee applied per installment payment to cover secure processing.
- Terms & Conditions Access: Our Terms and Conditions are fully accessible anytime directly on our website at deferit.com/terms. If you ever experience a loading issue or a blank display on your device, please clear your browser cache or visit our page directly, and we will gladly send a direct PDF copy to your inbox upon request.
We want you to feel completely safe and confident in any financial platform you use. If you have any further questions about how our service works or need assistance reviewing your account, please send us an email at [email protected]—our team is here to support you.
JW
Joella W.
Do not use this service
Do not use this service. They paid a bill for me in June 2026, and the payment was returned. I contacted customer service via chat, which is the only way to contact them, and they was no help. I sent statements proving the bill was returned and the fact i ended up paying the bill, and they are still making me jump through hoops to get a refund. I sent my July statement which clearly showed the payment was returned, bank statements proving it came out of my account in July, and screenshots showing the transaction made on my account for bill payment in June was returned. I ended up paying them for a bill they never paid.
Response from DeferitSep 13, 2026
Hi Joella,
We fully understand how stressful and frustrating this experience has been for you. Having your service disconnected is far below the standard of service we strive to provide, and we sincerely apologize for the distress this has caused. Please rest assured that our team has personally taken ownership of your account to investigate this thoroughly and make things right.
To resolve this as quickly as possible, we have sent a direct email to your registered email address with detailed instructions on the specific payment history details needed so we can cross-reference the transaction with Spectrum and resolve your refund and account requests under Deferit's standard policies.
Please check your inbox for our direct message. You can reply directly to that email with your documents, and our team will handle everything for you from start to finish. We are right here to get this resolved for you.
AD
Antionette D.
I have tried to use deferit to pay my…
I have tried to use deferit to pay my cellphone bill I was really short of money during that time. I’m on short term disability due to an inflamed pancreas and liver disease issues. They took three payments out and then one day I woke up from a text from T-Mobile telling me to pay or my phone would be cut off in two days. Thankfully my disability came the day after so I paid it and asked my doctors if I could pay my co-pays next time mind you I had to see two doctors and go get blood work done at labcorb. DO NOT TRY to USE this company THEY ARE using OUR MONEY also no real people just bots or AI customer support which takes forever!!!!!
Response from DeferitSep 6, 2026
Hi Antionette,
Thank you for bringing your concerns to our attention. We are truly sorry for the stress and frustration you experienced regarding your T-Mobile payment, especially while navigating health issues and short-term disability. We hear your concerns loud and clear, and we want to assure you that a real support team is actively handling your account.
We have just sent a full, detailed email to your inbox containing your official payment confirmation details and complete account breakdown.
Key Updates & Next Steps:
• Payment Confirmation: As outlined in our detailed email, our records show that a payment was successfully submitted to T-Mobile on July 20, 2026, under reference number 2316211021. We have attached the official payment confirmation to that email for your records.
• Help Us Investigate: To help our processing team investigate why T-Mobile issued a balance warning, please check our full email and reply directly to it with a copy of your T-Mobile billing statement or payment history showing the unapplied balance.
Once received, we will cross-reference your statement against our payment records immediately to ensure everything is resolved. You can also reach out through our Help Center at any time for further assistance.
EW
Edward W.
Poor Customer Service
I have been trying to get a bill sorted and despite having a valid Australian Driver's License and Medicare card their system refuses to accept it. All communication was done during business hours and despite having to ask for a manual review of my ID I've not had a single response from them. Its pretty poor
CO
Consumer
Very misleading and slow response time
Very misleading and slow response time. You can't actually talk to a live person. Do not recommend at all. You pay the 14.99 fee plus a refundable deposit after u pay like five bills. But u can never upload more than one. Definitely negative ten stars. Do not recommend at all
Response from DeferitSep 3, 2026
We are truly sorry for the delay and frustration you experienced. We want to clarify how our support and bill uploads work:
- Email Support: We support members via email to keep all financial and account data secure, traceable, and transparent.
- Upload Limits: For your first 2 bills, completing 2 installment payments unlocks your next bill. After 2 bills, you just need half of your available limit free ($300–$500 starting balance). After 5 paid bills, you can upload as many as your limit allows. Rapid uploads may trigger temporary safety checks.
We hope this helps clarify our process. If you need anything at all, please email us directly at [email protected]—we are here to help!
JG
Jennifer G.
I am currently not pleased with the…
I am currently not pleased with the lack of customer support! I’ve been waiting to get an issue resolved all week! I finally received a response in reference to my virtual card information not showing anymore. I followed the steps given and still can’t view the virtual card as I have been able to since receiving it!!! Most recent response told me the previous one expired and I need to request a new one since it shows I have money available on the card.
Still hasn’t worked. Uninstalled the app, logged into the website and when I click on NEW it keeps taking me back to the same page.
Issue was finally resolved.
Response from DeferitAug 31, 2026
Hi Jennifer,
We are so sorry for the frustration, stress, and inconvenience caused by the app looping issues and delays in reaching us. We appreciate your patience as we work through a high volume of inquiries.
We want to offer complete clarity regarding your card's status:
- Card Status: Our records confirm your Deferit virtual card is active, valid, and fully functional.
Since our system shows your card is active, the issue with the "NEW" button looping back is a temporary display glitch on the app interface.
We are currently investigating this display issue with our technical team to ensure your card details load smoothly. We have sent a full, detailed email directly to your inbox regarding your account status. Please check your inbox and reply directly to us so we can monitor your account and assist you personally every step of the way.
