{"app_store_id":1454473561,"slug":"deferit-pay-bills-in-4-1454473561","name":"Deferit: Pay bills in 4","subtitle":"Buy now pay later for bills","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/4f/0d/db/4f0ddbfc-e95a-b836-7c0e-5f0ad569ccbe/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/deferit-pay-bills-in-4/id1454473561?uo=4","price":0,"currency":"USD","rating":4.81872,"rating_count":36105,"in_app_purchases":false,"recent_rating":3.3,"recent_review_count":20,"reviews_checked_at":"2026-10-14T05:03:53.691Z","primary_genre":"Finance","version_date":"2026-10-14T07:19:01Z","updated_at":"2026-10-20T17:12:13.249Z","stale":false,"missing_since":null,"one_liner":"Upload a bill and the app pays it in full, then you repay Deferit in four smaller payments.","verified_maker":false,"maker_site":null,"file_size_bytes":54291456,"minimum_os":"15.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/af/bc/ca/afbccacc-fb7d-62ea-bf2c-86b0d756e26d/d0068f59-aeea-4743-b1bb-2e6e5ebff425_AppStore_-_5.5_-_Screenshot_01_-_V1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/3b/cb/63/3bcb63f9-bda8-2cb6-eda7-e3eb5db60683/075b236b-c3ef-41ee-b4c0-30272cbc1c3b_AppStore_-_5.5_-_Screenshot_02_-_V1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/5f/62/8a/5f628acd-b88b-4bd2-f495-f91b2fafb0a1/bf4c2b94-74db-4f32-9aaf-1e29e96b2a55_AppStore_-_5.5_-_Screenshot_03_-_V1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/19/b0/c2/19b0c2fe-5996-f11c-174d-b3831f13f031/69011454-9efb-4c8c-b378-b3e0f03df45e_AppStore_-_5.5_-_Screenshot_04_-_V1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d1/02/e4/d102e4a5-98ba-c18c-0f69-438ba0c0edf2/a17cde18-519e-4c0a-b065-c740345bb455_AppStore_-_5.5_-_Screenshot_05_-_V1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/84/b8/79/84b87917-45a4-54e0-0f5a-b027de791e54/9a98af97-d33e-4b78-b955-54af40504afb_AppStore_-_5.5_-_Screenshot_06_-_V1.jpg/392x696bb.jpg"],"developer_name":"deferit Pty Ltd","editors_choice":false,"url":"https://apptierlist.com/apps/deferit-pay-bills-in-4-1454473561/","api_url":"https://apptierlist.com/api/v1/apps/deferit-pay-bills-in-4-1454473561","schema_version":"1.0","generated_at":"2026-10-22T10:06:53.173Z","data_as_of":"2026-10-22T10:05:13.319Z","description":"Budget and pay bills in 4 smaller payments. Simply upload your bill and we take care of the rest.\n\nTake control of your bills and budget with confidence. Deferit empowers you to pay almost any service bill on your terms4. Simply upload a bill, and we pay the bill for you. You get the flexibility to pay in 4 smaller payments, so your bills feel more manageable.\n\nMove payments and stay on top of your bills, all from within one powerful app.\n\nSplit Payments and Pay Your Bills in 41\n- Simply upload your bill. Just take a photo, screenshot, or add a file.\n- Select the amount you want to pay your biller.\n- We pay them the full amount upfront.\n- You pay us back in four smaller payments over time.\n\nSave Money on Your Bills2\n- You could be paying more than you need to. Save money on bills like internet, phone, and TV.\n- Our expert team negotiates with your provider on your behalf to try to lower bills like internet, phone and TV.\n\nBuild Credit History with Every Bill Payment3\n- Turn the bills you already pay into a powerful financial tool. Most bill payments go unreported, but we're changing that.\n- Simply pay your bills through the Deferit app.\n- We report your on-time payments to the three major credit bureaus (Experian®, Equifax®, TransUnion®).\n- A stronger credit history can help you pay less for future loans. It's smart bill finance in action.\n\nWorks for almost any bill - over 20,000 billers paid by Deferit4\n\n1 Available in selected states. We will inform you based on your address whether these features are available in your state. Monthly membership applies ($14.99, $19.99, or $24.99), cancelable anytime. All payments incur a processing fee. For Pay in 4, customers start with a balance of $100-$500, with an average starting limit of $200. Few qualify for $500. For Pay in 2, customers start with a balance of $25-$200, with an average starting limit of $50. Few qualify for $200. A security deposit may apply for Pay in 4. Balance may increase with good payment behavior. Terms and conditions apply.\n2 Membership required. A negotiation fee equal to 50% of the savings we achieve for you over a 12 month period applies. Savings not guaranteed.\n3 Building credit history does not guarantee a higher credit score. Your score may go up or down. Actual credit score improvement may vary based on various factors, including individual financial behavior and credit history.\n4 Eligibility criteria applies. Installment payments are unavailable for credit, loan, retail purchases or other similar payments.\n\nBy downloading this app, you agree to our Privacy Policy at https://deferit.com/en-us/privacy/","facts":{"developer_id":1454473560,"developer_url":"https://deferit.com/?utm_source=apple_app_store","first_released":"2021-10-28T07:00:00Z","support_url":"https://help.deferit.com/","privacy_url":"https://deferit.com/privacy/","website_url":"https://deferit.com/?utm_source=apple_app_store","app_version":"3.0.11","release_notes":"This release contains performance improvements to keep everything running smoothly.","rating_current_version":4.81872,"rating_count_current_version":36105,"star_counts":[1038,212,329,1099,33427],"genres":["Finance","Utilities"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipod"],"chart":{"name":"top-free Finance","position":188}},"freshness":{"apple_read_at":"2026-10-20T17:12:13.249Z","catalog_read_at":"2026-10-20T17:12:13.249Z","reviews_checked_at":"2026-10-14T05:03:53.691Z","summary_written_at":"2026-10-12T22:24:53.606Z","placed_at":"2026-10-12T19:53:55.103Z","scored_at":"2026-10-22T10:05:13.319Z"},"editorial":{"one_liner":"Upload a bill and the app pays it in full, then you repay Deferit in four smaller payments.","what_is":"Deferit is a Finance app listed as free to download. You upload a bill by photo, screenshot or file, the app pays the biller the full amount, and you repay in four smaller payments. The listing also describes a bill negotiation service and reporting of on-time bill payments to three credit bureaus.","good_for":["Spreading the cost of a service bill over four payments","Paying internet, phone or TV bills on a repayment schedule","Users who want on-time bill payments reported to credit bureaus"],"pricing":"Deferit: Pay bills in 4 is free, with no in-app purchases on the App Store.","faq":[{"q":"Does the app pay the bill for me?","a":"Yes. You upload a bill, select the amount, and Deferit pays the biller the full amount upfront."},{"q":"How do I repay the amount?","a":"You pay Deferit back in four smaller payments over time. Customers start with a balance of $100 to $500, and few qualify for $500."},{"q":"Does it affect my credit?","a":"The listing says on-time payments are reported to Experian, Equifax and TransUnion. It also says scores may go up or down depending on payment history and other factors."}],"model":"claude-haiku-5-5","created_at":"2026-10-12T22:24:53.606Z"},"memberships":[{"list":"bill-payment","list_name":"bill payment","list_status":"active","list_url":"https://apptierlist.com/best/bill-payment/","position":10,"tier":"A","score":86.9,"components":{"rating":96.7,"votes":86.9,"rank":63.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-12T19:53:55.103Z"}],"main_list":null,"claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":120202,"at":"2026-10-16T04:25:51.882Z","kind":"tier_changed","list":"bill-payment","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":null,"to":"A","reason":"checked from the list's side: ranked #7","job":"rescore"},{"id":119911,"at":"2026-10-16T04:22:51.806Z","kind":"membership_removed","list":"credit-building","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":"active","to":"removed","reason":"list-side recheck: Credit reporting of on-time payments is a secondary feature. The app is mainly buy-now-pay-later for bills, not a credit-building product.","job":"shadow"},{"id":107098,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"credit-building","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":"B","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":106416,"at":"2026-10-15T14:59:00.691Z","kind":"tier_changed","list":"bill-payment","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":79565,"at":"2026-10-14T13:36:19.778Z","kind":"tier_changed","list":"credit-building","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":"F","to":"B","reason":"score 70.9","job":"rescore"},{"id":71732,"at":"2026-10-13T15:26:54.134Z","kind":"tier_changed","list":"bill-payment","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":"C","to":"A","reason":"score 86.9","job":"rescore"},{"id":67582,"at":"2026-10-13T01:11:00.513Z","kind":"tier_changed","list":"credit-building","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":"D","to":"F","reason":"score 70.9","job":"rescore"},{"id":66979,"at":"2026-10-13T00:23:55.210Z","kind":"tier_changed","list":"credit-building","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":"F","to":"D","reason":"score 70.9","job":"rescore"},{"id":66038,"at":"2026-10-12T20:16:03.115Z","kind":"tier_changed","list":"credit-building","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":null,"to":"F","reason":"score 70.9","job":"rescore"},{"id":65891,"at":"2026-10-12T19:58:51.120Z","kind":"tier_changed","list":"bill-payment","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":null,"to":"C","reason":"score 70.9","job":"rescore"},{"id":65806,"at":"2026-10-12T19:53:55.103Z","kind":"membership_added","list":"credit-building","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":null,"to":"active","reason":"Marketed feature: on-time bill payments through the app are reported to Experian, Equifax and TransUnion to build credit history.","job":"shadow"},{"id":65805,"at":"2026-10-12T19:53:55.103Z","kind":"membership_added","list":"bill-payment","app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":null,"to":"active","reason":"Core job: upload a bill and Deferit pays the biller, letting the user repay in 4 smaller payments (pay bills in 4).","job":"shadow"},{"id":63669,"at":"2026-10-12T17:54:56.722Z","kind":"app_added","list":null,"app_store_id":1454473561,"app":"deferit-pay-bills-in-4-1454473561","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"removed","review_status":"rejected","position":null,"tier":null,"score":70.9,"components":{"rating":96.7,"votes":86.9,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"reject","reason":"Credit reporting of on-time payments is a secondary feature. The app is mainly buy-now-pay-later for bills, not a credit-building product.","verifier":"list check","decided_at":"2026-10-16T04:22:51.806Z","attempts":1,"current":true},{"verdict":"keep","reason":"Marketed feature: on-time bill payments through the app are reported to Experian, Equifax and TransUnion to build credit history.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-12T19:53:55.103Z","attempts":1,"current":false}]},{"list":"bill-payment","list_name":"bill payment","status":"active","review_status":"checked","position":10,"tier":"A","score":86.9,"components":{"rating":96.7,"votes":86.9,"rank":63.8,"recency":100},"ranks":[{"country":"us","rank":1},{"country":"au","rank":1}],"verdicts":[{"verdict":"keep","reason":"Its core function is paying bills from the phone. You upload a bill, Deferit pays the biller, and you repay in installments, much like Papaya.","verifier":"list check","decided_at":"2026-10-16T04:22:51.806Z","attempts":1,"current":false},{"verdict":"keep","reason":"Core job: upload a bill and Deferit pays the biller, letting the user repay in 4 smaller payments (pay bills in 4).","verifier":"claude-sonnet-5-5","decided_at":"2026-10-12T19:53:55.103Z","attempts":1,"current":false}]}]},"data_version":40769,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/deferit-pay-bills-in-4-1454473561/"}}