# Deferit

> Deferit is a consumer bill-payment and budgeting company that pays eligible household bills and lets members repay in installments. Its US membership also includes full-payment bill handling, credit reporting and bill negotiation; it operates in the United States and Australia.

- **Founded:** 2018
- **Headquarters:** New York, United States; Sydney, Australia office
- **Founders:** Jonty Hirsowitz (Co-founder and CEO), Mat Blas (Co-founder and Head of Product (CPO in 2021 funding announcement))
- **Products:** Pay in 4, Bill Pay / Pay in 1, Credit Builder, Bill Negotiation / Bill Savings, Pay in 2
- **Notable:** At the March 2021 Series B announcement, reported 250,000 users, more than A$100 million in bills paid and 150% growth over the previous 12 months., Raised A$15 million in an oversubscribed Series B in 2021., Current US website says over 3 million people have turned to Deferit; not a measure of current active subscribers.

## Products & services

- **Pay in 4** — Pays eligible household bills, recoverable in four equal installments; subject to state availability, approval, available balance and possible deposit.
- **Bill Pay / Pay in 1** — Members pay in full and Deferit remits payment to the biller, through concierge payment or an available virtual card.
- **Credit Builder** — Reports eligible bill-payment history to Experian, Equifax and TransUnion. Pay in 1 Credit Builder terms require at least two months of membership unless the customer opts out during the cooling-off period. No score increase is guaranteed.
- **Bill Negotiation / Bill Savings** — Negotiates prospective lower rates on eligible internet, phone and TV bills. Lite and Max charge 50% of annual savings; Ultra includes negotiations without a separate negotiation charge.
- **Pay in 2** — Current US terms describe eligible household expenses remitted through a virtual payment instrument and recovered in two equal payments. Available in selected states and subject to approval.

## Achievements

- At the March 2021 Series B announcement, reported 250,000 users, more than A$100 million in bills paid and 150% growth over the previous 12 months.
- Raised A$15 million in an oversubscribed Series B in 2021.
- Current US website says over 3 million people have turned to Deferit; not a measure of current active subscribers.
- Company LinkedIn page reports over $1 billion in everyday bills paid and over $75 million in late fees saved; company-reported figures with no metric date supplied.

## Latest updates

- **2026-09** — US help article updated September 25 describes payment rejection/return resolution through chat support, with payment reissue or refund and normal posting times of 2-3 business days electronically or 7-10 for checks.
- **2026-09** — Apple lookup API records a September 30, 2026 app-version release; this establishes a recent release, not a specific new feature.
- **2026-10** — Research snapshot: current US terms and website include Pay in 2 alongside Pay in 4 and Pay in 1, and list three membership prices. No launch date for Pay in 2 was verified.

## Links

- Website: https://deferit.com/
- LinkedIn: https://www.linkedin.com/company/deferit/
- Twitter/X: https://twitter.com/defer_it
- Instagram: https://www.instagram.com/deferit.us/
- Facebook: https://www.facebook.com/DeferitUSA/

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Profile page: https://yespress.io/deferit
Published by YesPress — https://yespress.io
Last updated: 2026-10-05