"There’s a simple $14.99 membership fee you can cancel at any time. When uploading your bill, you specify the date for us to pay your bill and the amount you would like us to pay on that date. Your 4 payments begin on this date and we take the first installment whilst paying your bill upfront and in full. "

"Signing up for Deferit does not impact your credit score. When you pay for a membership, we perform a quick soft inquiry to verify your identity, which does not leave any marks on your credit file. However, your usage and payment history with us may affect your credit over time. Consistently making on-time payments can positively impact your credit score, as we report your payment history to the credit bureaus. Late payments can negatively affect your credit score."

"Paying a bill has never been easier! Simply click the \"Upload a bill\" button when logged in to our website or mobile app, snap a pic of your bill or upload from your library/files. Specify the amount and date to pay your biller and that's it!"