Deferit is an interest-free budgeting tool that helps you pay and manage your bills on time — on your terms.
We pay your bills upfront and you pay us back in a way that works for you. Whether you're splitting a bill into smaller payments, paying it in full, or negotiating your bill down — Deferit gives you more flexibility and control.
Before contacting support, please check our Help Center.
Most questions can be resolved instantly using our help articles, without needing to wait for a response. Our Customer Heroes typically reply within 1–2 business days, so checking the Help Center first is the fastest way to get help.
How it works
Pay in 4
With Pay in 4, you can split a bill into four equal, interest-free payments every two weeks.
- Upload your bill (photo, file, or screenshot)
- Choose how much you’d like us to pay and on which date
- We pay the bill on your chosen date
- You pay us back in four biweekly installments — with an extra week before your final payment
Your first installment is charged on the day we pay the bill. Keep an eye on your balance to avoid delays. We calculate installments and send progress notifications so you're always in the loop.
Bill Pay
With Bill Pay, you pay your bill in full using your debit or credit card. We then pay the bill on your behalf — even if it must be mailed by check.
On-time payments are reported to credit bureaus, helping build your credit.
Bill Negotiation
Bill Negotiation empowers you to reduce your bills by working directly with providers.
- Upload a bill (like internet, phone, or cable) for negotiation
- Our negotiators contact the provider to seek a lower rate
- You keep your service; we save you money if the provider agrees
- If successful, savings apply to future payments — no charge if it doesn’t work
What kinds of bills can I upload?
We support a broad range of bills, including utilities, phone and internet bills, car registrations, insurance premiums, parking or traffic fines, and more.
For a full breakdown of supported vs unsupported bills, please see our article:
👉 Supported vs Unsupported Bills: Pay in 4 vs Bill Pay
The bottom line
Deferit gives you more control over how you handle your bills — whether you want to:
- Split payments over time with Pay in 4
- Pay upfront and build credit with Bill Pay
- Reduce your bills through Bill Negotiation
It’s always interest-free, with no hidden fees — just simple, flexible, and supportive bill management.