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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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.
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.
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.
ME
Meya
I have never used deferit to pay a bill…
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.
