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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I just paid my monthly bill, now I’m unable to upload my ID to activate my service to pay a bill. I have yet to hear from someone!
Response from DeferitAug 18, 2026
Hi Ebonie,
Thank you for reaching out to us. We understand your concern, especially after making your monthly payment and then having trouble uploading your ID to activate your service. We’re sorry for any confusion or delay this may have caused.
We’ve checked your account and can confirm that your service is already activated, so no further ID upload is needed at this time.
We can also see that you have already uploaded your bill successfully. At this point, we just need your confirmation to proceed with the bill payment. Once we receive your confirmation, we can move forward with the next step.
Thank you for reaching out to us. If you have any other questions or need help with your account, please let us know. We’re happy to help.
AM
Angelina M.
So far my experience is not good
So far my experience is not good. Just enrolled a few weeks ago and have a virtual card to yse for gas and groceries only. I only saw instructions once. I have tried to use this card several times. When you click on 1 if the information bubbles it will state for this merchant only. Who's the merchant? There is no customer service just the bot. If someone can tell me how to use this card I would gladly appreciate it
Response from DeferitAug 13, 2026
Hi Angelina,
We hear your frustration loud and clear, and we want to sincerely apologize for the stress and disruption this experience has caused you. Please rest assured that you have our full support, and we are right here to make sure all of your questions are completely taken care of.
To help you get the most out of your account, we have just sent a separate, detailed email directly to your inbox explaining exactly how to access and use your $50 virtual card step-by-step.
As a quick summary:
Finding Your Card: You can view your full card details anytime in the Deferit app under the Pay in 2 section (including the 16-digit card number, expiration date, CVV, and billing ZIP code).
How to Pay: You will simply enter these card numbers manually at checkout, whether shopping online or at the register in-store.
Where to Use: The card is set up for essential everyday categories like dedicated grocery stores, gas stations, utilities, and pharmacies. Please make sure your total checkout amount (including taxes or fees) does not exceed your available balance.
If you ever run into a declined transaction, your card will remain fully active. imply reply to our email with a screenshot or details of the attempt, and we will happily investigate it for you right away.
We truly appreciate your patience, and we are right here to ensure everything runs smoothly for you moving forward.
GO
Gregory O.
The service sounds good in theory but…
The service sounds good in theory but when there is a problem with a bill, it can become a huge headache . The lack of a real-time support is especially frustrating. Henceforth i will be very careful on relying on this company for important bills.
Switching to #AIM HUB# made me to understand what a good service actually means . Everything has been going on smoothly including withdrawals .
Response from DeferitAug 12, 2026
Hi Gregory,
We want to sincerely apologize for the delay and the frustration this back-and-forth experience has caused you. We've been experiencing a higher volume of inquiries recently, but we sincerely appreciate your patience while we looked into this for you.
We completely understand how stressful it is when a critical bill encounters an issue, and you are entirely right to expect fast, effective support in those moments. We deeply regret that our support response times fell short of your expectations and caused you undue worry regarding your important payments.
We take full responsibility for making sure your concerns are resolved right away. While we currently handle customer communications digitally to keep detailed records of all account actions, we are committed to providing you with clear, attentive, and dependable service.
Please send us a direct email at [email protected] with your account and bill details, and our team will personally handle your account to ensure everything is sorted out smoothly. We are right here to give you the dedicated support you deserve and rebuild your trust in us.
KH
Kh
They locked my account
They locked my account, flagged me "high risk," ignored all my messages, changed their website terms silently, and sent texts they promised they wouldn't.
---
I signed up for Deferit to manage bills. Instead, I got a locked account, a damaged credit score, ignored requests for help, and a cease-and-desist letter from their lawyer when I spoke up.
They locked my account and flagged my card as "high risk" without explanation.
While I was trying to resolve a legitimate dispute over their referral program, Deferit locked my account.
Then, in June 2026, their own app displayed this message: "A card linked to this account has been flagged as high risk by the banking system." No warning.
No reason. No way to fix it. When I asked them which card, why, and whether tracking data played a role, they acknowledged my question but never answered. They just asked for my date of birth and SSN to "unlock" the account—still without explaining the flag.
They ignored my emails, Facebook messages, and app chats.
I contacted Deferit through email, their app, and Facebook Messenger. After I provided my details, they stopped replying. I insisted on keeping everything in writing, but they repeatedly tried to move me to a phone call, then went silent.
Other customers describe identical treatment: unanswered tickets, no phone support (Deferit's own Help Center says "We don't offer phone support"), and a total black hole once you have a real problem.
They changed their website terms during my dispute—and I have proof.
Deferit says in its Terms that it will notify customers of changes. Yet while my complaint was open, I used third-party monitoring services (Pagescreen, Visualping) that captured multiple changes to their Terms and promotional pages. Their Terms page was restructured—a "FEATURES" section was added, "OUR SERVICES" was removed. Their promo-terms page changed over a dozen times, sometimes by as much as 72%. I have screenshots and timestamps. They never sent me a notice.
They sent me marketing texts they promised they wouldn't.
Deferit's own Terms (July 2024) state: "Deferit will not send you advertisements or marketing-related SMS messages." Yet I received a promotional text on June 16, 2024, offering a free first month. I documented it. I later learned I'm not alone—other consumers have reported the same thing.
They reported inaccurate information to my credit after I complained.
A Deferit tradeline appeared on my credit report. Then, while my dispute was ongoing, the credit limit on that account dropped from $900 to $750, and the balance jumped from $75 to $247. Deferit had told me they saw "no negative reporting"—but the alerts tell a different story.
They merged my private support ticket into a stranger's bankruptcy case.
In May 2026, Deferit closed my support request #1160666—which contained my formal request for arbitration and my response to their lawyer's cease-and-desist letter—and merged it into an unrelated consumer's Chapter 7 bankruptcy thread.
That thread was also sent to Deferit's outside lawyer. They later admitted the error, apologized, and said "no SSN or financial account info was disclosed." But they also said the matter is "closed" and refused to answer any further questions. My private dispute was shared without my consent.
Durning that same time I noted their website changed and exactly the terms and sections that was used to ensure that that wrong info was given to the Attorney General and stated it was resolved however the offer amount changed to lower amount and in order to receive it I would had remain silent. The Days of Silence is Over & This Company Now Needs to Answer Truthfully and More Than Just Ignoring Their Customers and Provide a Vague Response versus my actual documents proof.
JA
John A.
The customer support is poor and only…
The customer support is poor and only responds promptly to reviews , Waiting for responses and going back and forth through support when a payment needs attention is extremely frustrating .I'm not impressed. AIM HUB has been great .
Response from DeferitAug 12, 2026
Hi John,
We want to sincerely apologize for the delay and the frustration this back-and-forth experience has caused you. We've been experiencing a higher volume of inquiries recently, but we sincerely appreciate your patience while we looked into this for you. You are completely right to expect fast, effective assistance—especially when a payment needs urgent attention—and we deeply regret that we fell short of providing that for you.
We take full responsibility for making sure your concerns are resolved right away. Please send us a direct email at [email protected] with your payment details, and our team will personally handle your account to ensure everything is sorted out smoothly. We are right here to give you the dedicated support you deserve and rebuild your trust in us.
AA
Anonymous A.
Be careful with Deferit
Be careful with Deferit . I used deferit for 2 years and I let them go they reported me inaccurately to all the credit bureaus and I never missed a payment I had to dispose their credit reporting errors and on top of this their fees increased so be careful
Response from DeferitAug 10, 2026
Hi,
We are truly sorry to hear about your experience and understand how concerning it is to see potential errors on your credit report, especially after being a valued Deferit member for two years. We take credit reporting accuracy extremely seriously, and we sincerely apologize for the stress and frustration this situation has caused you.
We would love the opportunity to look into this for you immediately and make things right. Because we need to securely review your sensitive account details, payment history, and credit reporting records, we kindly ask that you reach out to us directly by sending an email to [email protected].
Once you email us, our team will be able to:
- Investigate Your Credit Dispute: Thoroughly review the reports submitted to the credit bureaus to identify and correct any inaccurate entries associated with your account.
- Audit Your Account & Bill History: Verify all your past payments and bill history to ensure everything is completely reconciled and accurate on our end.
- Review Fee Structures: Address any questions or concerns you have regarding fee changes or adjustments on your past account.
Your peace of mind and financial well-being are incredibly important to us. Please send an email to [email protected] at your earliest convenience so we can provide prompt, immediate, and personal assistance to get this fully resolved for you.
LE
Lakneshia E.
Phone bill hasn’t been paid as of July 31st
I literally haven’t had any issues with deferit until now. I also made a payment for my phone bill July 31st, 2026. My phone bill still hasn’t been paid as of August 5th, 2026. Not only has my service been disconnected but they have also charged me $40 of a disconnection fee. I’ve sent multiple emails as well as complaints to deferit and have yet to receive a response. I’ve also sent numerous messages through facebook as well as screenshots of the money for my first installment being taken out of my account and of deferit saying the first installment has been paid. I use my phone as a source of income since i’m currently unemployed, so my services being disconnected has caused me to miss on money that I need. At this point, I would rather receive a refund or reimbursement for the inconvenience than even attempt to use deferit to pay my bill since obviously you can’t trust it to pay your bill on time or even get the help you need to figure out why my bill hasn’t been paid! There’s literally no other way to get in contact because you can’t even call them! Only send an email or message them through facebook. Deferit please do better!
Response from DeferitAug 6, 2026
Hi Lakneshia,
We want to deeply apologize for the frustration, stress, and communication delay you experienced. Knowing you rely on your phone as a primary source of income, we understand how critical this situation is and how disappointing it was to experience a service disruption. We take full responsibility for the delay in getting back to you, and we have taken direct ownership of your account to ensure everything is handled properly moving forward.
We have sent a separate, comprehensive email detailing the exact timeline of your payment, what occurred with your Virtual Card, and the breakdown of payment processing schedules.
To provide an immediate update, we are pleased to confirm that your AT&T bill has been fully paid:
Payment Date: August 6, 2026
Confirmation Number: 8Z07MYW4A02RM96
We have attached the official payment confirmation receipt to our direct email so you can forward it to AT&T to help restore your service right away. Regarding your request for reimbursement of the $40 disconnection fee and refund options, please reply directly to our email so we can address those adjustments and work toward regaining your trust.
VO
Vona
I have been using this service for…
I have been using this service for years with no problems. They stated they paid my geico bill july 31, 2026 and they took my first installment payment from my account which the funds were there and everything cleared. I called geico to see why they took a payment of 154.03 from the same account I paid my installment with deferit with of which the bill should have already been paid cause it has never taken them this long to pay it. Today is Aug 4 and they still have not received a payment from deferit. It's looking like I have been ripped off at this point because I paid deferit and the bill never got paid. I have reached out to support numerous time only to not get a response from anyone. I paid 2 other bills the same day and they went through just fine. If my bill is not paid I want all of my money back from deferit I paid on my first installment. This is bad business and poor communication service and the issue needs to be resolved. I will not continue to pay a subscription for a service that is ripping me off and not following through with paying my bills but taking my money. There is no live person to talk to and the heroes never respond back to emails. I would like this issue resolved and escalated or cancel the payment and refund me back my first installment since you didn't pay my geico bill.
Response from DeferitAug 4, 2026
Hi Vona,
We are truly sorry to hear about your experience, especially since you have been a loyal user with us for years. We completely understand your frustration and concern regarding your Geico bill, and we know how stressful it is when a payment appears delayed and you are unable to reach support right away.
First, we sincerely apologize for the delay in our response—we have been experiencing a high volume of requests, but we are right here now and want to make sure all of your questions and concerns are fully taken care of.
We understand that you requested to talk to a live person over the phone to discuss your account. To provide you with the best and most secure service, we want to let you know that our official communication channel is via email. This process ensures that all of our communications are accurately recorded and traceable, which provides full transparency and accountability for both you and our team.
To help us investigate your bill payment status, locate the transaction details for your Geico bill, and get this resolved for you right away, please send an email to [email protected].
As soon as we receive your message, our team will immediately check on the status of this payment and provide you with personal, direct assistance. We deeply value your long-standing trust in Deferit and look forward to making things right for you!
