Pay in 4 is one of the ways to pay bills with Deferit. It lets you split a bill into four smaller, interest-free payments — so you can manage your cash flow and still stay on track.
How Pay in 4 works
- Upload a bill and choose how much you want us to pay
- We pay the bill in full on the date you select
- You repay us in four biweekly installments
- Your first payment is charged on the day we pay your bill
- We report on-time payments to credit bureaus to help build your credit
- A one-time refundable security deposit may apply based on your eligibility
Why use Pay in 4?
- Break big bills into smaller, predictable payments
- Smooth your cash flow over time
- Avoid interest and late fees
- Build credit with every on-time repayment
Cost and coverage
Pay in 4 is available on all Deferit membership plans — Lite, Max, and Ultra.
- $0.99 processing fee per successful card payment
- A refundable security deposit may be required for first-time or returning users, depending on eligibility
Bottom line
Choose Pay in 4 when you want to pay a bill in smaller chunks over time — without interest — and build your credit along the way.