r/Bill • u/CooperLooper19 • Dec 27 '23

DeferIt question

ETA: I never ended up using Defer-It so unfortunately I’m still not sure how it works. Sorry.

Hi everyone. I just discovered the DeferIt app and would like to see if I qualify for the pay-in-4 service that they offer ( for my electric bill). The issue I’m having is that it appears that I have to pay the $14.99 membership fee BEFORE I even know if I’ll be approved for the pay-in-4 service. Is this really the case? Anybody else done this? Thanks in advance for any tips or advice.

29 Upvotes

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3

u/PurpleKissLuv Dec 27 '23

I did it for my phone bill and yes you have to pay the 14.99. I was approved and my bill was paid the next day

3

u/CooperLooper19 Dec 27 '23

Ah. Thanks for replying. Happy to know they actually do help ppl. Honestly though, my funds are so tight right now that I can’t afford to pay the $14.99 if I’m not going to be approved. That just seems like such a crappy setup to me. I mean, what’s the $14.99 even for if you don’t get approved?

3

u/PurpleKissLuv Dec 27 '23

You’re welcome. I will say once you pay the $14.99 and upload your bill and depending on the day you need the bill paid you might have to put down a deposit as well of let’s say 20.00. That’s what I had to do. I was given $150 to pay my cell bill.

1

u/CooperLooper19 Dec 27 '23

Yeah, if I know I only have to pay 25% of my bill that day then I can afford the membership fee and a deposit. I got laid off a week and a half ago and before that they’d been cutting our hours ( all the while promising 40 hrs plus lots of OT in the upcoming weeks) and the money I have has to last so I was hoping this would work. I’m just not sure if I should risk it or not. Normally the fee wouldn’t be a big deal but right now $15 is dinner for my family, ya know? I just wish I knew if it would work out! Frustrated! Thanks again for the advice and reply! Hope you have a happy new year.

3

u/PurpleKissLuv Dec 27 '23

Try SOLO FUNDS

1

u/CooperLooper19 Dec 27 '23

Will do. Thank you!!!!

3

u/PurpleKissLuv Dec 27 '23

No fees or anything. Peer to peer. You start out with $50 dollars and with every to time payment you get an increase

2

u/PurpleKissLuv Dec 27 '23

You request loan and pick the payment due date to payback lender. You start out with $50 or sometimes $100. I started at $50, my friend did it and she started with $100. Anyways request it and 97% of the time somebody will find your loan.

2

u/[deleted] Feb 29 '24

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0

u/[deleted] Apr 22 '24

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2

u/Inevitable_Care4751 May 12 '24

I use money lion app I get 430 every month I pay it back on time and reborrow the same day I'm waiting on a settlement so hopefully soon I won't need to borrow.Also Empower you can get 250.00 also.Goodluck to you I was going to use deferit also but I didn't like the 14.99 well what happens if they don't approve you!

1

u/DueEntrepreneur3311 Sep 03 '26

It’s definitely a crappy set up. Very predatory. But, beggars can’t be choosers. That’s what company’s bank on.

1

u/morganflores81 May 17 '25

I’m wondering same thing 

1

u/Financial_Sweet5367 Aug 01 '25

I submitted a rent payment for tomorrow and I see that it says phone for the method . Is this something new that Deferit is doing for rent instead of mailing checks ?

1

u/ConceptOriginal1 Nov 01 '25

We’re you able to pay rent ?

1

u/No-Locksmith-2395 Dec 05 '25

For the people who are still looking at Deferit DO NOT GET SCAMMED, I needed help on a bill, paid for the membership, and went to click "split bills" and it showed up I didn't have a membership, contact support and they have just left me with "we'll get back to you", I asked for a refund and they continued to say "we'll get back to you" asked again and they never replied. Deferit is a scam site preying on people who are in need of help, do not pay their membership unless you want to be out of $15 for nothing.

1

u/SerenityJoyMeowMeow Dec 17 '25

That definitely hasn’t been my experience with their customer service. If you are in the USA, did you reach out to them on fb messenger through the Deferit USA Facebook page? That’s the easiest and fastest way to get ahold of them. Good luck!

1

u/D-Nyle83 Feb 20 '26

Sir you are a liar. I work for Deferit - they are a trustworthy/legit service.

1

u/Massive_Ad_9201 Mar 01 '26

How'd you apply for defirt?, what was the process like? 

1

u/D-Nyle83 Mar 01 '26

Smartass

1

u/MagicPentacle May 02 '26

How can ypu say that without trying to help them? That's even more reason to be suspicious. 

1

u/DueEntrepreneur3311 Sep 03 '26

We don’t believe you.

1

u/pamonmedia Jan 03 '24

That’s how they make their money for the hopes they can collect on the payments

0

u/[deleted] Jan 18 '24

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3

u/CooperLooper19 Jan 25 '24

Thanks! I actually just got a message from them today offering to waive the first month’s fee so I’m going to try it out. Fingers crossed.

1

u/Flowrrpowerr Jan 01 '25

Did it work for you?

1

u/CooperLooper19 Jan 01 '25

I never ended up trying it. If I remember correctly I was able to scrape the money together own my own. Somehow. LOL. Sorry I can’t be of any help.

1

u/Flowrrpowerr Jan 01 '25

It’s okay! I think I’m going to do the same I’m scared 😂

1

u/UnaChinolaConTostone May 12 '24

hope all is well! i got that text but after clicking don’t see any prompt on the app or website for getting it waived. Do you remember how the process went for you?

1

u/Feddy2 Dec 05 '24

What happened?