Hearth: Split & Track Bills

Budget and pay bills in 4 smaller payments. Simply upload your bill and we take care of the rest.

Take control of your bill finance and budget with confidence. Deferit empowers you to pay almost any service bill on your terms. Simply upload a bill, and we pay the bill for you. You get the flexibility to pay in 4 smaller payments. This makes bill pay stress-free and manageable."

Move payments and stay on top of your bills, all from within one powerful app.

Split Payments: Pay Your Bills in 4

• Simply upload any of your bills. Just take a photo, screenshot, or add a file.
• Select the amount you want to pay your biller.
• We pay them the full amount upfront.
• You pay us back in four smaller payments over time.

Save Money on Your Bills:

• You could be paying more than you need to. Save money on bills like internet, phone, and TV.
• Our expert team negotiates with your provider on your behalf to find you a better deal so you pay less.

Build Credit History with Every Bill Payment:

• Turn the bills you already pay into a powerful financial tool. Most bill payments go unreported, but we're changing that.
• Simply pay your bills through the Deferit app.
• We report your on-time payments to the three major credit bureaus (Experian®, Equifax®, TransUnion®).
• A stronger credit history can help you pay less for future loans. It's smart bill finance in action.

Join over 3 million Americans who trust Deferit to manage their bills, budget better and improve their financial health by paying utility bills and more in 4 smaller payments.

"1 Deferit charges a monthly membership. No lock-ins. All payments are subject to a processing fee. Customers start with a balance of $100-$500. Few qualify for $500. Balance may increase with good payment behavior. Terms and conditions apply, available in select states.

2 Based on average savings obtained in a recent month for all our customers.

3 Actual credit score changes may vary based on various factors, including individual financial behavior and credit history. Your score may go up or down depending on your payment history and other factors specific to you."

By downloading this app, you agree to our Privacy Policy at https://deferit.com/en-us/privacy/