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.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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Deferit promptly resolved my account issue, demonstrating their commitment to customer satisfaction. They reinstated my original credit line of $1,000, ensuring I continue to receive the financial flexibility I value. Their outstanding customer service has left me highly satisfied, and I look forward to remaining a loyal customer for the long haul!
Response from DeferitApr 29, 2025
Hi John,
We sincerely apologize for any inconvenience. We understand how the unexpected the limit change must have felt, and we appreciate you bringing this to our attention.
We’re pleased to confirm that we've restored your limit to $1,000 and have sent you a detailed follow-up via email with the complete details for your reference.
We truly value your ongoing support and repayment history, and we're grateful to have you with us. if you have any further questions, please don't hesitate to reply to our email—we're here to support you every step of the way!
CB
Cassandra B.
Deferit has consistently come in clutch…
Deferit has consistently come in clutch when needed. It's provided me the flexibility to budget accordingly and each time a payment is made, it is reported to Credit Bureau which positively impacts overall credit. 10/10 recommend if you find yourself in a pinch with finances.
Response from DeferitApr 24, 2025
Hi Cassandra,
Thank you for taking the time to share your experience with us! it's wonderful to hear that Deferit has come through for you when it mattered most. Flexibility and financial control are exactly what we strive to deliver, so it's great to see that reflected in your budgeting and credit journey.
Your 10/10 shoutout truly means a lot to us—we’re grateful to have you in the Deferit community and are always here if you need anything!
SJ
sandy J.
Deferit rewards good customers!!!
4/30/2025 UPDATE: Deferit took care of my problem 100 percent!!! I am very thankful and it has truly changed my opinion. It took a while but they made it right!!!! For a five days now I have been contacting deferit to correct a mistake on my account where they lowered my credit limit for no reason. I have not been late. I pay ahead of time and pay off early. Nothing has happened with my score that would cause it. They say they will fix it over and over and do not. When I posted a review they comment on it saying they are eager to correct it yet they do not. There is no way to contact them other than email and it takes weeks for them to answer. If you want to use a service like this make it ZIP or Willow! They do not charge a membership fee like Deferit does and they always respond. I’ve been a deferit customer for over 3 years and a loyal one they do not care about their customers who make them. I’m sure they will post on this review they are eager to help and for me to contact them but it’s lies!!!! So don’t let they fool you. You can contact them a 100 times but they do not do what they say they will do. Even if they did two weeks from now the stress of having to deal with them is horrible.
Response from DeferitApr 24, 2025
Hi Sandy,
Thank you for bringing your concerns to our attention. We sincerely apologize for any inconvenience this may have caused and truly appreciate the opportunity to resolve the matter to your satisfaction.
We’re pleased to confirm that the issue with your account limit has been resolved, and we've followed up with you directly via email for your reference. We hope this helps restore your confidence in our service, and we look forward to continuing to demonstrate our commitment to supporting you.
Thank you again for your patience and for choosing Deferit as your bill-budgeting platform over the years. If there’s anything else we can do to assist you, please don’t hesitate to reply to our email—we’re always here to support you throughout your financial journey.
MP
Manuel P.
I really recommend deferit to anyone…
I really recommend deferit to anyone because it help you with any bills and with no headaches. I’ll give a 1000000. Stars 👍
Response from DeferitApr 18, 2025
Hi Manuel,
Thanks so much for sharing your seamless experience with us. At Deferit, we're dedicated to paying your bills stress-free!
We’re here to make things simpler when it matters most, and it’s great to know we’ve met your expectations.
Anytime you need support, we've always got you covered!
RB
Ron B.
DEFFERIT is the BEST pay in 4 bill pay…
DEFFERIT is the BEST pay in 4 bill pay app I have used so far. The process is easy and it boosted my credit score and I didn't ever realize it, it helped me be able to manage paying my dentist bill and my cell phone bill when I had a financial hardship and I project that I will use it going forward to catch up some other bills and to even try to pay off bills that have higher interest or finance charges. I would recommend this app to anyone.
Response from DeferitApr 18, 2025
Hi Ron,
Thanks so much for sharing your seamless experience with us! We're glad to hear that our Pay-in-4 feature has helped you manage bills during a financial hardship and our Credit Builder feature had given your credit score a boost along the way.
It’s great to know you’ve been able to use Deferit to stay on track with bills like your dentist and phone, and we love hearing how you plan to use it to stay ahead and tackle higher-interest payments.
Your feedback means the world to us—thanks again for the shoutout!
IP
Irene P.
Been using Deferit since 2022!
I’ve been using Deferit for bills since 4/2022. It’s like Afterpay for bills, but much more easier to move dates. They have helped me during difficult economic times and I recommend to all my family and friends! I would not recommend if I didn’t truly believe this is a good benefit to have. I’ve used for cell bills, car insurance payments and other bills. Thank you Deferit!
Response from DeferitApr 18, 2025
Hi Irene,
Thank you so much for sharing your bill-budgeting experience with us and for being part of the Deferit community since 2022! It's incredible to hear how our services have supported you through challenging times.
We’re especially glad that our flexible payment options have helped you stay on top of everything from cell bills to car insurance. We sincerely appreciate the trust you put into recommending us to friends and family—it means so much to us.
We’re proud to be a resource you can count on, and we're grateful to be part of your financial journey!
BH
Bianka H.
I don’t usually write reviews
I don’t usually write reviews, but Deferit truly deserves one. As someone who juggles bills, a busy family life, and a tight budget, this service has helped me stay afloat more times than I can count. I love that I can break payments into manageable chunks without interest—it’s like having a little breathing room when everything is due at once.
It doesn’t feel like just another finance app. Deferit actually understands real-life timing. Whether it’s a utility bill I need to pay before payday or just spacing things out to avoid overdrafts, it’s helped me avoid late fees and stress. Super easy to use, too.
I don’t usually write reviews, but Deferit truly deserves one. As someone who juggles bills, a busy family life, and a tight budget, this service has helped me stay afloat more times than I can count. I love that I can break payments into manageable chunks without interest, it’s like having a little breathing room when everything is due at once.
It doesn’t feel like just another finance app. Deferit actually understands real-life timing. Whether it’s a utility bill I need to pay before payday or just spacing things out to avoid overdrafts, it’s helped me avoid late fees and stress. Super easy to use, too.
Not exaggerating when I say it’s helped me feel more in control. Highly recommend for anyone who needs a flexible, no-judgment way to manage bills!
Not exaggerating when I say it’s helped me feel more in control. Highly recommend for anyone who needs a flexible, no-judgment way to manage bills!
Response from DeferitApr 18, 2025
Hi Bianka,
Thank you so much for taking the time to write this—it really means a lot, especially since you don’t usually write reviews. We’re so glad to hear how Deferit has made a real difference in helping you manage bills while juggling a busy family life and tight budget.
Giving people that little bit of breathing room is exactly why we do what we do, and it’s incredibly rewarding to hear that the flexible and seamless bill-budgeting experience we're committed to have helped you stay on top of things and feel more in control.
We truly appreciate your support and value being part of your financial journey—we’re always here when you need us!
CE
Chaynelle E.
Deferit is a high help in tight situations
I have used Deferit for the last few years and it has been a tremendous help, especially when you may just not have it all but you need something done. Great app will continue using it.
Response from DeferitApr 11, 2025
Hi Chaynelle,
Thank you so much for your thoughtful review! We’re so glad to hear that Deferit has been a consistent help to you over the years, especially in those moments when things are tight but still need to get done—that’s exactly why we built the service!
We truly appreciate your continued support; thanks again for being such a valued part of the Deferit community!