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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What can I say about a company that tries hard, has an easy to use app & comes through for those of us in need a quick bill payment relief? Well, its a real roller coaster!
My bills don't get paid on time and now my insurance company even told me the payment they used FAILED!
DO THEY NOT HAVE MONEY TO PAY OUR BILLS?
Then the $50 virtual card is essentially useless from what i can tell. No clue who takes it! Its not supported anywhere! No address info either so how does it work? I dont know!
Then the app is wonky. Home page is often inaccessible.
This company is owned by Zip & i like both, Deferit is a much easier to use app, but they REALLY need to get it together at Deferit. My car insurance expired due to their negligence & now is at risk again just 2 days later!!
TM
Tracey M.
I was loving this app until now I am screaming for help
I was loving this app until now, it has been too weeks now I am trying to make contact with the company via the app and deferit.com.Every Day I am trying to reach out in different ways, their AI chat agent Sam put several tickets daily and no one has contacted me.they froze my account because according to them to protect me . Because of this I am not allowed to make a payment which is not overdue. They are sending several messages for me to contact them to avoid disruption but I cannot reach any one. I am screaming for help anyone please help me.
Response from DeferitOct 19, 2026
Hi Tracey,
Thank you for bringing this to our attention, and we're very sorry for the frustration and inconvenience this situation has caused.
We've reviewed your account and can confirm that we have already sent you a detailed email addressing all the current issues on your account, including the temporary account restriction, the verification required to remove it, and your payment schedule.
We understand how stressful this has been, and we're committed to helping you get everything resolved as quickly as possible.
Please refer to the detailed email we've sent and reply directly there so we can continue assisting you.
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.
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.
KL
Kevin L.
I made my first installment payment…
I made my first installment payment yesterday with a debit card and it still hasn't processed.I was hoping to use deferit to pay my national grid bill within a day but I still haven't got my receipt number and my national grid balance is still there.i need it paid by 7/13.i thought payments made with a debit card gets processed in 24 hours.
Response from DeferitJul 8, 2026
Hi Kevin,
We hear how anxious and stressed you are about getting your National Grid bill squared away by July 13, and we completely understand how frustrating it is to make a payment and not see it reflect on your biller's portal right away. When you trust us to help manage your essential bills, you deserve absolute speed and clear answers. Please rest assured that we are right here with you, we take your deadline very seriously, and we are fully committed to giving you total peace of mind.
To ensure we can resolve this for you as quickly and securely as possible, we have just sent a direct, dedicated email to your inbox containing all the specific details, confirmation numbers, and processing status updates regarding your National Grid bill payment.
Please check your inbox for our direct message and reply to it as soon as you can. We are standing by to provide you with immediate and deeply personal assistance to ensure everything is perfectly aligned before your July 13 deadline.
Thank you so much for your patience and for allowing us the opportunity to assist you!
JB
Jarrett B.
Terrible experience so far
I heard about this from a friend but the no response thing is terrible .they already took my money and my bill has yet to be paid and it’s been 3 days . So now I have no power and I can’t get refund or talk to anyone . I need the money back to back the full thing . Which I should have did in the first place smh . Hopefully you can make this right asap
Response from DeferitAug 20, 2025
Hi Jarrett,
Thank you for bringing this to our attention; we truly appreciate the opportunity to make things right.
While email is the most effective way for us to resolve customer concerns, please know that we hear your feedback and are always working to improve response times and your overall Deferit experience.
We’ve since replied directly to your email with the full details confirming that your bill has been successfully paid, along with the payment receipt for your records.
We’re grateful for your patience and understanding. If you have any further questions or need support, please don't hesitate to reply directly to our email—we're here to help and are eager to learn more about how we can earn those extra stars from you!
KI
Kim
The company is not good they are not…
The company is not good they are not responsive only way they are responsive is if you try to report them, they use to be good but went down hill and the only way to contact them is by email so if something is wrong with your bill you will loose out on your money because it still have to be paid so unfortunate
Response from DeferitMay 8, 2025
Hi Kim,
Thank you for taking the time to share your feedback; we’re genuinely sorry to hear about your recent experience.
At Deferit, we aim to resolve concerns as efficiently and thoroughly as possible, which is why we currently handle support through email. This allows our Customer Heroes to review each case in detail and provide accurate solutions quickly, especially for important matters like billing.
We understand it can feel limiting when real-time options aren’t available, but rest assured that we’re committed to ensuring every issue is addressed with care and clarity.
We’d really appreciate the opportunity to assist you directly. Please send your account details to [email protected] at your earliest convenience—we’re eager to help and hopeful we can earn back those extra stars from you.
