Your approved balance is based on how you've used Deferit — including how many bills you've paid with us and how consistently you've made your payments.
When you first start using Deferit, your available balance may be smaller. That’s because we take a responsible approach to budgeting and get to know your payment habits over time.
As you continue to use Deferit and show positive repayment behavior, your balance may increase — helping you plan and budget for more bills.
💡 Reminder: Deferit is a budgeting tool — not a "buy now, pay later" service. Our goal is to support long-term financial wellbeing, so balance increases may happen more gradually.