deferit is an interest-free budgeting tool that allows you to pay and manage your bills.

deferit pays your bill and you pay it back in four equal fortnightly payments over time! You can lock in pay on time discounts and avoid late fees by knowing we have you covered.

We will never charge you interest and we don't believe in late fees! So how do we keep the lights on? There is a $5 monthly fee for a standard account. You only pay the monthly fee if you have active bills.

*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.

If you are using us for the first time this month, we take the $5 monthly fee with your first payment. After that, the monthly fee gets charged on the 1st of the month if you have active bills with us on that day.

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.

If you miss paying your monthly fee, log in to your account and you can make the payment from the home page. Any bills that you have scheduled do not get paid until your monthly fee is paid. You can then use your account again to upload more bills.

There are certain situations in which we are unable to offer the service. This extends to anyone that is currently in bankruptcy, has a debt agreement, or has had recent defaults. When you first go to upload a bill, we check your credit history to make sure we are able to defer your bills. If you are currently unable to defer bills with us, please get in touch when the situation has been resolved and we can review and set up your account!

We created deferit to help people and we take all of our customers feedback on board to create the best possible budgeting tool for them.

We have a policy to listen to and address all complaints. Please send an email detailing your experience to contact@deferit.com.au. We treat all complaints seriously and will get back to you within 2 business days.

Your approved balance will depend on our assessment of your ability to meet payments. This is largely determined by how many bills you've paid with us and what your payment history looks like.

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.

You can change your mobile number, password and email address at any time by logging into your account and selecting ’Settings’. If you need to change something else, please get in touch with us and we can fix it up for you.

Your account needs to have at least one payment method on file. You can change, update or remove your cards in your account portal under “Settings”.

You can get in touch with us by:
email: contact@deferit.com.au
phone: (02) 8417 3056

You can delete your account at any time by emailing us at contact@deferit.com.au

The most common bills we defer are utility bills (think gas, water, electricity, internet, etc.) but you can defer almost any bill with us. We do not support rent or credit contracts (think credit cards or loan payments), discretionary items, or other similar bills.

Each bill is processed on a case by case basis and you receive a notification as soon as it's been processed.

You can defer a bill using the upload form in your account. Only upload one bill at a time. If you upload multiple bills, your deferral will be rejected and you will have to re-upload them separately.

In the upload form you can specify the amount to pay, date to pay and any comments you have.

You can defer as many bills as you like up to your account balance. New customers are generally given a $300-$500 account balance. This means we can pay as many bills as you want up to your balance. Your balance increases the more you successfully use the service!

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.

That's ok, deferit can be used to part-pay a bill too! You are in full control and can choose how much of your balance is used towards a bill.

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.

There is a comment box in the upload form. Enter any instructions here and our processing team will read it when your bill gets picked up!

1. Payment Options
   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.
2. Details section
   Have the due date and amount owing clearly visible so that your bill can get processed quickly.

We are unable to pay your bill if the required payment options have not been provided.

We come back to you within a few hours on the same business day if your bill was submitted before 5:00pm AEST. If submitted after hours or on a non-business day we will come back to you on the next available business day at the latest. We are working on getting this even faster so stay tuned!

You choose the date we pay your bill when uploading it. Your four fortnightly payments begin on this date and we take the first payment before paying your bill. Please ensure you have sufficient funds in order for your bill to be paid on time. If you move the first payment that moves the date your bill will be paid.

*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.

It can take billers up to three days to see a payment. When they do, they should recognise your bill as being paid on the date we paid it. We promise that any late fees or loss of discounts is covered by deferit if we say we will pay your bill on a certain date and it does not get recognised as paid.

If your bill requires an online payment and the amount is more than the amount you asked us to pay, we get in touch with you straight away and hold off paying the bill. You can either choose to have your card charged for the difference and we'll continue to pay the bill, or cancel the bill and receive a refund for your first payment.

The bill doesn't need to be in your name. We verify you as the account holder which means you take responsibility for any bills you upload in your account.

Of course! You can view your receipt when you open the bill in your account and we will also send it to you via email once your bill has been paid. Please note it may take a few hours for your receipt to be populated after your first payment goes through.

We take the first payment on the day we pay your bill. Before submitting a deferral you receive an overview of the amounts and dates of your payments. This includes our monthly fee in your first payment (if you haven't already paid one this month) and a 1.6% card processing fee.

You can change your payments by up to a fortnight any time in your account.

If you need to change one of your payment dates, login to your account portal and you can move it in the "Deferrals" section. It's free to move payments. Your account portal shows your payment history if you ever need to refer back to it.

You can pay any of your payments early by logging into your account, selecting the bill you want to pay in the "Deferrals" section and clicking the Pay Now button.

We will send you reminder emails and text messages before a payment is due. You can also view upcoming payments when you log into your account.

You will get a notification that the scheduled payment failed. You can login and action any outstanding payments you have at any time.

If a scheduled payment has failed, we may attempt the payment on other cards you have on your account.

If you have a problem meeting a payment, you can change the payment date online in the "Deferrals" section or get in touch with us if you need more flexibility.

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.