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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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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I’ve been using defer it for 6 years. Sadly this year I’ve been trying to reach out to them after I had a card issue. This company has very poor communication, in fact I’m now on day 4 waiting to get assistance from their “support team” the responses I get are once daily and seem to be ridiculously late at night between 9pm -11pm signifying over seas assistance rather than dealing with an Australian. There is no email to contact nor phone number. I will not be remaining a customer of defer it from this point. Getting assistance shouldn’t be this hard.
JS
Jamie S.
Giving it a one star for the fact that…
Giving it a one star for the fact that you can't get any further until you pay the $14.99 I haven't proceeded any further but I read that you pay that first but then you may not be eligible to use deferit or declined to use deferit app So doesn't that mean you just took / robbed that person of $15 Am I wrong right I apologize if I am wrong I don't know but If it turns out that I am wrong my one star will be changed to a five
Response from DeferitSep 15, 2025
Hi Jamie,
Thank you for your feedback and for sharing your concerns. Our $14.99 membership unlocks access to our Pay-in-4, Bill Pay, Bill Negotiation, and credit-building features to help manage bills more easily.
If you feel that this service isn't right for you, we're happy to provide a refund - just email your account details to [email protected] and our Customer Heroes will be happy to assist you.
GG
Genine G.
This company takes your money
This company takes your money, accepts your bill and then notifies you later that it isn't a company they work with. Really?? Spectrum Mobile isn't an acceptable bill? And it is prefilled in your drop down list, but you can't pay them? Liars and scammers.
Response from DeferitAug 13, 2025
Hi Genine,
We’re sorry to hear about your experience and appreciate the chance to clarify. We previously supported Spectrum Mobile bill payments; however, due to recent changes from the biller, we can no longer process them online. Spectrum Mobile now requires logging in with sensitive account credentials, which we are prohibited from requesting or storing to protect user privacy. In addition, they do not accept check payments, leaving us without a secure way to complete these transactions. We do, however, still support Spectrum Cable.
We understand this may have caused confusion, and we sincerely apologize for any inconvenience. We’ve since replied directly to your email to discuss your options and how you'd wish to proceed.
Your feedback is valuable, as it helps us improve transparency and enhance the Deferit experience. If you have any other questions or need further assistance, please don't hesitate to let us know—we’re eager to support you every step of the way.
BB
Bb
Painful
SHOCKING. My card was blocked and after a month of communications and lots of patience, the Deferit employees informed me they could not provide a date on when the technical default would be resolved. A complaint to the AFCA was made and I was then threatened with legal action and account closure. Staff are inconsistent with their information, responses are delayed and the manager unprofessional.
CF
Crystal F.
I'm having issues with reaching someone
I'm having issues trying to get in touch with someone for the past 48 hours, and all I've received are automated responses. It's incredibly frustrating trying to reach a company when they only offer online communication and no one responds. I have a specific question regarding my account. I set up a bill to be paid June 13th and received an email confirmation stating that it was paid. However, the bill has not been paid with my utility company. My first payment has already been deducted from my account and automated payments are set for every two weeks. If Deferit is not going to cover the bill then I should get a refund and future payments stopped. I've used Deferit multiple times before and have always had a good experience. I didn't want to write this review, but it seems this is the only way to get a response, which is even more disappointing. I really hope someone can provide some type of help with my issue.
Response from DeferitJun 19, 2025
Hello Cyrstal,
Thank you so much for taking the time to reach out to us. We truly appreciate you being part of the Deferit community and value the trust you've placed in us over the course of your journey. Your message means a lot, and we’re here to make sure you get the support and clarity you need.
We’ve sent you an email with all the details about your bill and what we’re doing to sort things out. If you haven’t seen it yet, it might be worth checking your spam or junk folder — just in case it landed there by mistake.
We know how important it is for your bill to be paid on time, and we’re doing everything we can to make things right. If anything’s still unclear or if there’s anything else you need, please feel free to reply to that email — we’re here and ready to help.
KA
Kayla
Was great at first
Was great at first, but they paid my xfinity bill and it was reversed 20 days later and same with second bill. Someone replied they were passing along but it has been weeks and if the bill won't be paid i need a refund but you can not get anyone to ever respond. There should be a phone number you can call.
Response from DeferitMay 7, 2025
Hi Kayla,
Thank you for bringing this to our attention; we’d really appreciate the opportunity to make things right and get everything resolved as smoothly and quickly as possible.
While we believe email is the most efficient way to resolve customer concerns, we're equally committed to responding promptly so you're never left waiting for answers.
Please send your account details to [email protected] so we can look into this right away—we’re eager to help and improve your Deferit experience.
TA
Teresa A.
They are compulsive liars
They are compulsive liars. I will never to business with them again. Paid off what I needed to way ahead of schedule and they keep charging me saying I owe 14 then charges me 19 after I already paid the whatever fee. Make payment arrangements with you bill before you deal with these people
Response from DeferitApr 9, 2025
Hi Teresa,
We’re really sorry to hear about your recent Deferit experience and completely understand how frustrating unexpected charges can feel. We’ve gone ahead and sent you a detailed follow-up via email to explain what may have caused the confusion and to help make things clearer.
Just to share a bit of general info: we recently introduced new membership tiers—Lite ($14.99/month), Max ($19.99/month), and Ultra ($24.99/month)—each with different features and benefits. Some plans include protections like no late fees and unlimited bill negotiation, so fees vary depending on what’s selected.
If you have any questions or need further assistance, please feel free to reply directly to our email—we’re eager to support you every step of the way and learn more about how we can improve your bill-budgeting experience with us!
JB
Jackie B.
Waste of Time
On July 17, 2024, I reached out to Deferit for assistance with the payment of my utility bill paid to my landlord and was told that I qualified for a $150 payment. I would need to pay a subscription fee of $14.99 plus a first payment installment of $58.48, which was paid on July 17, 2024. After my payment was made, I received an email from Deferit stating that my bill could not be paid electronically and that a check would be mailed instead. It should be received within 7-10 business days, no later than August 3rd, which is the due date for my bill. Unfortunately, I confirmed with my landlord on August 5, 2024, that they never received the check payment. I reached out to Deferit on numerous occasions to request a refund and cancel my account, and to not report any information on my credit report due to me not receiving the services that were advertised. I received a refund of $58.48 on August 17, 2024, but I did not receive the refund of $14.99, so I reached back out to Deferit. Eventually, I received the refund of $14.99 on August 22, 2024, and per my communication with Deferit, my account was canceled. Well, I received a credit alert from TransUnion a month later stating that Deferit has reported the canceled account to my credit report with $450 limit, a balance of $113 owed, and monthly payment of $38 which is all inaccurate seeing that I only was approved for $150 and didn't even receive that. Now I have to go through the process of getting the account disputed when it should have never been reported in the first place.