Welcome to the deferit Help Center
Get instant answers to our most frequently asked questions.
*If you have a balance greater than $500, we add a flat $5 for any additional balance that you use for the month. An example: Sam and Stacey both have an account balance of $1000. Sam is using $450 in balance while Stacey is using $900. Sam will pay $5 this month while Stacey pays $10.All card payments contain a 1.6% processing fee.
An example: Sam deferred a bill in March. On 1 April, Sam has active bills that are using up account balance, and the $5 monthly fee will be debited. Sam pays all remaining payments in April and has no more active bills. The monthly fee will not be debited on the 1st of May.
We have a policy to listen to and address all complaints. Please send an email detailing your experience to email@example.com. We treat all complaints seriously and will get back to you within 2 business days.
For those who've recently joined, your balance will initially be smaller while we get to know each other. As we learn more about your payment patterns, the system will tailor your balance to help you plan and budget for the things you need.
Please keep in mind deferit is a budgeting tool and your balance may increase slower than what you may be used to with "buy now pay later" services.
phone: (02) 8417 3056
Each bill is processed on a case by case basis and you receive a notification as soon as it's been processed.
In the upload form you can specify the amount to pay, date to pay and any comments you have.
The system checks how quickly bills are uploaded and payments are made. If bills are being uploaded too quickly, the system may reject a bill and ask for some payments to be made on existing deferrals.
We are unable to part-pay car registrations or any other bills that require us to pay the fixed full amount.
If you'd like to pay a bill that is more than your balance you can type "Pay Extra" in the comment field or use the new upload form on the website and we'll add the difference to your first payment to make sure it gets paid in full.
The BPAY option needs to be clearly visible on the bill otherwise we are unable to process it. If your bill has no BPAY option, please make sure that the other payment options are visible on the upload.
Have the due date and amount owing clearly visible so that your bill can get processed quickly.
*All payments are processed between 10am–5pm AEST. If you make a payment after these hours your bill will be paid on the next days payment run.
You can change your payments by up to a fortnight any time in your account.
If a scheduled payment has failed, we may attempt the payment on other cards you have on your account.
Is there a hardship policy?
Yes. If there are circumstances which are preventing you from making a payment please get in touch with us. We've developed a policy that lets us work together if you are experiencing difficulties. We are always here to help, so you need to let us know you're experiencing hardship for us to know your situation.
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