deferit
Verified337 reviews
AI reviews summary
Deferit is highly regarded for its ability to assist with bill management and budgeting by splitting payments into smaller installments. The service is frequently described as a "lifesaver" during financial hardship, with users particularly valuing the flexibility to move payment dates. While the overwhelming majority of feedback is positive, there are isolated reports of technical account locks and dissatisfaction with the monthly subscription fee.
Pros
Cons
Verdict
Deferit is an excellent financial tool for individuals looking to smooth out their bill payments and avoid the stress of large lump-sum expenses. While the monthly subscription fee and occasional technical account locks are noted drawbacks, the high quality of customer service and payment flexibility make it a highly recommended service for budgeting.
Reviews with attachments
Don't know if my video was posted but I would recommend the service to anyone it's just the $14.99 monthly fee is a bit much for me Show reply
Accidentally paid my cell phone bill twice in the amount of $375. After realizing my error, I was able to recover within a few days. Show reply
Misleading company, charges you to pay bills in full before they offer pay in 4 – They don't actually provide the service they advertise. I created an account ages ago but never used it. Thought I would use it to pay my rego this month as it would help me to split it. Logged in and said I was approved for $500. Uploaded my first bill and went to add a card to make the first payment. I then received a message saying that I need… Read more
to upload my first bill before adding a payment method. Umm that's exactly what I was doing......
Contacted customer support, they asked for pictures of the back and front of my driver licence. Sent that through and then got a message saying something along the lines of "congratulations, you have been approved for an account, but to unlock the pay in 4 feature I have to make 3 or 4 full bill payments via deferit"
Why on earth would I pay a full bill through a 3rd party app? Especially when they charge fees for paying the bill on your behalf. Like it's absolutely ludicrous. If I could pay the bill in full why the hell would I be going to a company that advertises "Get the flexibility to pay bills your way and pay over time in 4 easy instalments. Always interest free. No late fees." Not once does it say on their front page that you have to make 4 full payments first.
Pretty misleading and poor way to do business. Told them to delete my account and I was told that I can't reactivate for 12 months hahahahaha yeah that's absolutely no issue because I won't be using a service that charges me to pay bills on my behalf, I'm quite capable of using the payment details on my bill to pay bills in full, it's actually pretty insulting.
Only positive is that [Name Removed] who was assisting me was very kind and quick at responding to my questions, my advice [Name Removed], go find a better company to work for :)
Great for when vehicle registration is due – Can't speak highly enough the company. I had an issue with a current account to be paid and the staff were excellent. Helped solve my issue and our email exchange was fast and friendly.. Fees - well who actually likes them? For the convenience I'm happy to pay.. Show reply
Affects your credit rating – I use deferit I like it and it works well but 2 things you need to know they do a hard credit check which stays on your file for 5 years and I have noticed that if you pay a bill on the 2nd that they still try to charge you 5.99 saying it's still the first of the month but it is very useful to have as an option I will add a photo of one but the other says the first even it's the second day of the month. Show reply
Latest follow-ups
I have been using demerit for as long as I can remember. Always helps me with my ph bills and my greenslips regos and insurance payments. I can never afford power when it comes so using demerit for all this. Keep in mind I built it up to $1100 i can… Read more · 5
use. It's amazing and it's like after pay. Just does t allow you to buy now pay later. It's more of a pay bills now and pay them back after. It's great. I just lost my job and reached out and they now have me on a plan for $20 per month. This has taken the stress off it all off my shoulders. I'm so happy Eica an the team helped me. Thank de f erit for taking care of me ans my house hold all these years.
Follow-up · They still always come through fot me. I seen itd updatrd and i forgot date of payment as my brother died and i got chaged extra. Was only the 1 payment. I paid yesterday and it was more. I was not in the right mind and i couldnt move it. Then the new monthly fee charge. If only i couldve got creduted ir a free montly for it. Who knows. I still like them. Perhaps if i ask i may get it. Just i seen this email pop up.
I've had Deferit for a long time. I've build my credit from a small amount to a satisfactory limit over time. They've handled quickly and efficiently. I've never had a problem. My account occured a flag thru my bank (for lost card) and Deferit took measures to lock and secure it, until verification was provided to unlock. Show reply
Follow-up · The app is easy to use. When uploading a bill, be sure it's readable. They will reach out if they need more information. The fees are 99 cents for processing (bills) The membership fees are different. That is to maintain your account. I can't remember exactly what I started with. I think it was 100 at first, I've since worked my credit history with Deferit. Deferit has been my blessing in many ways!
When I first started to use the deferit app, I used it for everything. Lol. It has some good perks, like credit building or reporting payments. But also if you get behind, or miss an installment payment, you can reach out for help.Deferit works with you on getting payments extended. Show reply
Follow-up · Deferit other perks are increase in the amount you are able to use for bills, such as $250 to $400. The payments are super easy, they range from 20$ up, depending on your bill amount. Extending payments is easy to do, by login and change due/payment dates on your account. There are no late fees, just a monthly membership. It's a good way to pay your bills.
In-depth reviews
I’m so glad that Deferit has come to flourishing. This app is truly the best app out there that will help you when you’re in need there’s a monthly charge which I don’t mind paying for the benefits that I get. I’ve never seen an app work so effectively and quickly in responding and wanting to help us in our need. I had the app at first and then I… Read more · 1
deleted it and then I put it back on. I paid the monthly cost it’s worth it. I spoke with customer service who was so quick and efficient and so willing to help me resolve my problem in my issue that it just made me want to give them a chance and i’m so glad that I did. My 1st bill was submitted they even have a trace and track number that you can give the biller in case there are any problems with them not seeing that the bill was paid and I think that was great and as soon as I mentioned Deferit to spectrum, they knew exactly who I was talking about. The Customer Service is just amazing and the features on the app you can’t get it anywhere else, like you can literally change the dates of your next payment on the app as soon as your first payment goes through, you can’t get that anywhere else it’s worth it. They really do help you in your time of need. Try it and you’ll be just like me one happy customer.
Awful customer service - No real-time customer service. They don't value you one bit – Terrible customer service - Absolutely horrendous UNABLE to talk to a human in real time. Took weeks to resolve a simple account issue. They claim to have online chat but it says they are offline and sends an email. Yes it was business hours. They then take days to respond and come back with questions about your identity even though it’s in the… Read more
form they make you fill out. Back and forward waiting days at a time. A simple phone call or even the online chat could resolve the issue in minutes.
Don’t waste your time with them as they cleary don’t care about their customers with the nonsense I’ve had to deal with.
Had another query about a bill that was due next day – Still trying to get it resolved by simply being able to have someone to help!!! Bill is now overdue because there is absolutely no real-time customer service. If something goes wrong you WILL NOT be able to get it resolved in under a week. Go to someone who values there customers.
We sincerely apologize for the frustration you have… Read more
Well rounded "BNPL" product, but I'll be closing my account – I have been using this company on and off for years for those unexpected bills that creep in. You upload the bill and they're paid fairly quickly. I've had to deal with a few minor issues (the same ones over and over) like verifying my account with I.D which has been frustrating because they lock your account while they do it! Usually because… Read more
you add a new card - one time is acceptable, 5 times is plain frustrating and stupidly excessive.
I have had mostly positive experiences using their app. Although I have decided to cease using their services after a second rise to their monthly fee since July where it has gone up to $9.99 starting next month. This would be fine, but they also add on fees for the bills they pay. For example I have 3 bills uploaded one is $710 which is costing $721.48 to repay, another $453.62 with a repayment of $461.24, and another bill of $140.00 with a total repayment $142.92. That's a total of $21.97 in fees, plus their account keeping fee of $10 - to essentially provide a 42 day credit account on $1303 worth of credit. Which really in the scheme of things isn't a lot, roughly 2.5% however, this flies in the face of their spiel about hating to charge fees and then saying how they don't charge interest. The bottom line is they do, they just disguise and word it differently. At the end of the day it is simply cheaper & more convenient to put it on my credit card and utilise the interest free period. I originally started using it because I preferred to see where these start ups were going rather than support the banks, but I feel a lot of people have trapped themselves into these services with money they can't afford to repay and these companies are now capitalising on that.
Positive reviews
They are awesome and when you think you can pay them on a certain date and need more time they let you. And if you have any issues they fix the problem quickly. 10/10 Show reply
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Deferit has impressed me highly. First of all the entire process of navigating through the app was super easy and user friendly. And when I did run into a problem I received immediate help. Their prompt and thorough assistance to my issue was phenomenal. The agents were kind, compassionate and knowledgeable about the process and utilized their… Read more · 1
skills to resolve my issue to my satisfaction. The professionalism of the agents and Deferit app itself has made this a great experience and I would 100% recommend this app to anyone. Talking about going above and beyond in order to come to a positive resolution; I have to say I can't say I've seen this with almost any other company like this. Go Deferit Go!!Amazing!!
Deferit has got me through it, my credit has been going up, my bills are paid on time, customer service is great and super fast support ⭐️⭐️⭐️⭐️⭐️⭐️ Show reply
Negative reviews
None of my identification work, no response after chat. I'll just pay my bills the normal way.
I’ve been trying to access my account and pay for the subscription for over a month! I have probably about 30 emails back and forth with help team. They’re very nice but I still can’t pay for the subscription.
SHOCKING. My card was blocked and after a month of communications and lots of patience, the Deferit employees informed me they could not provide a date on when the technical default would be resolved. A complaint to the AFCA was made and I was then threatened with legal action and account closure. Staff are inconsistent with their information, responses are delayed and the manager unprofessional.
Hi BBBoo, thank you for taking the time to share your… Read more
Recent reviews
S::I::M::P::L::Y T::H::E B::E::S::T I have been with Deferit quite a few years now and I can only say they are simply the best especially Eula, she is a caring, a fantastic lady. She has helped me out..Their service is really good & customer service is quick responding. I hope Deferit & their team do very well. They deserve it…Paying your bills overtime is a breeze and I haven’t seen anything else better than this…Thanks Deferit….. Show reply
Each time I have canceled after signing up for their services, the company remained professional when they did not have to be. Thank you for your patience and understanding. Show reply
I'm very appreciative of deferit to help me hardship assistance when I'm going through my surgerys and treatment and they assisted me as soon as possible and I'm happy with the outcome thank you Deferit Show reply
Eula was so great and helpful understood my situation.Eula help me so I can get back on my feet. I am so grateful for people like Eula there is not a lot of people out there who would help. Show reply
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Deferit in general and Eula particularly, were understanding and helpful in an issue I was having today. Issue solved instantly, while also offering alternate solutions. Thanks - appreciated very much. I've been using deferit for years now, its usually car rego, school fees etc The flexibility they offer and their prompt payment of any bills I upload is outstanding. Show 2 replies
Thank you so much Eula for your very helpful assistance today with my Deferit limit increase enquiry. Your very prompt response and friendly email communications were both professional and supportive. I really appreciate your assistance today and highly recommend Deferit for bill management. Show reply
Deferit was there for me they help through some difficulties issues .Deferit protect the security of my information. I was pleased of having to go through to show proof of who I was that's a company that needed to know exactly who I was someone that doesn't give your account to another client. I truly appreciate Jeraldine Jenna and Tina for everything that took to get my account back to where it was in good status. Show reply
I have been using Deferit for many years. I had my identity stolen for 25 years. I was locked out of my Deferit account and over 100 other personal account. I am in the recovery process of recovering my identity theft and standing up to those responsible. Like many of my other accounts I had to find out if I could recover my Deferit account. I was… Read more · 2
terrified that I may not be able to recover my Deferit account. The Deferit Support Team who supported me were really lovely and respected me throughout the process. Although the staff had no idea about the story I have written here, I was treated with respect and kindness. The Deferit Support Team were very professional to deal with and most of all friendly. I highly recommend contacting staff if you ever have any issues. Kind Regards.
I have used deferit for a number of years. I find it to be a great and useful tool to help budget and break large bills up over time. Customer service is bar-none and there are no hidden fees or interest charges. Great service. Show reply
Very good company! First I was like I didn’t know so many fake ! But trusted them! N they payed my bill negotiated with Verizon n got lots of fees waived ! Will keep on n recommended for ur own use Show reply
I had to sort out my account I was locked out of and couldn’t make any payments. I wasn’t sure if I had a duplicate account but they fixed it up very quickly and I am again able to use my account. Thank you especially to Neha for all your help. Show reply
Deferit has helped me n my family alot within these last couple months.It allows me to manage my bills more and have a little extra to help throughout the month,I am a very satisfied consumer Show reply
Follow-up · The bills that I Defer are my car insurance and utilities mostly but I have read that there are other several bills they help with.It helps with my budget far as not having to pay the full bill in full at that time,I can pay on it on the date I set with defer.I love how it gives u the option to move the payment back to another day if needed I… Read more
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Hi John85! We sincerely apologize for any inconvenience… Read more