Top 20 Apps Like Deferit to Manage and Split Your Bills Smarter in 2025

Managing bills can be a difficult task, especially when you have multiples. Apps like Deferit make it simple for people to split and manage bills, providing flexible payment methods without interest rates. In 2025, even more individuals are using bill-splitting and Buy Now, Pay Later (BNPL) apps to manage finances effectively. Deferit is a popular app that lets customers pay bills in installments without affecting their credit score. It assists individuals in avoiding late fees and managing cash flow. However, some users search for Deferit alternatives that provide other features such as instant approval, broad payment options, and enhanced security. Bill-splitting apps are becoming increasingly popular as BNPL usage grows around the world. Users prefer applications that have transparent fees, simple interfaces, and secure transactions. Affirm, Afterpay, Klarna, and Melio are some of the best alternatives, with each providing unique benefits to users. 

You can choose the best bill management app based on factors such as payment flexibility, security, and customer support. Whether you’re interested in a personal budget app or making business payments, testing various alternatives will allow you to determine the best choice.

What is Deferit?

Deferit is a bill budgeting app that allows users to split their bills into four interest-free installments. Designed to prevent late fees and financial stress, it lets users upload bills, pay them upfront to the provider, and repay Deferit in four manageable payments. This pay-over-time model is beneficial for managing utilities, phone bills, and subscriptions without relying on credit cards or loans.

By providing full payment to service providers, Deferit ensures no disruptions in essential services. For users with tight cash flow, Deferit acts as a financial buffer. However, as the demand for more flexible financial tools increases, many users are exploring apps like Deferit to compare features, payment structures, and additional services.

Why Look for Apps Like Deferit?

Deferit is a reliable platform for splitting bills into interest-free payments, but it’s not the only option out there. Many users are now exploring apps to get more personalized features, flexible payment terms, or additional financial benefits. Below are several reasons to consider a trusted Deferit alternative:

Wider Bill Coverage

While Deferit primarily supports utility, phone, and subscription bills, apps like Deferit for bills often go a step further. Some also allow users to split rent, car insurance, dental fees, or even tuition costs, making them more versatile for managing various types of financial obligations under one platform.

No Monthly Subscription Fees

Deferit charges a small monthly fee to access its core services. In contrast, many other apps like Deferit offer similar bill payment flexibility without recurring costs. This can make a big difference for budget-conscious users who want to avoid additional financial commitments while still accessing BNPL-style features.

International Availability

Deferit currently operates in select regions, such as Australia and the U.S. Users outside these areas often search for Deferit alternatives with global or regional support. Apps like Klarna, Tabby, or Zip serve users in the UK, UAE, and other countries, making them accessible options for international users.

Credit-Building Features

If you’re looking to boost your credit score while managing bills, some apps like Deferit report payment activity to credit bureaus. Platforms like Perpay and BillEase combine budgeting with credit improvement tools, offering users long-term financial benefits that go beyond just splitting payments.

Built-in Shopping & Cashback Tools

Unlike Deferit, several apps like Deferit also offer integrated shopping portals, exclusive merchant offers, and cashback rewards. These features help users get more value from their purchases and bills. Apps such as Zilch and Klarna reward users for paying on time and shopping through their platforms.

Key Features to Consider in a Deferit Alternative

When comparing these apps, it’s crucial to evaluate the features that directly impact usability, affordability, and long-term financial benefits. Whether you’re looking for bill flexibility, ease of use, or added perks, the right Deferit alternative should provide practical tools that improve your overall money management experience. Here’s what to look for:

Interest-Free Installments

One of the biggest reasons users choose these apps is the ability to pay bills in smaller, interest-free parts. Always look for an app that splits payments without hidden costs or interest, allowing you to manage cash flow better without adding debt or relying on high-interest credit cards.

Bill Upload and Instant Approval

The process of uploading a bill should be fast and user-friendly. A good app like Deferit lets you upload utility, phone, or internet bills using a photo or digital file, review them quickly, and pay the provider directly. Instant or same-day approval helps avoid service interruptions and keeps your finances running smoothly.

Timely Payment Reminders

A quality Deferit alternative will include in-app notifications and email/SMS reminders before each due date. This feature is vital to help users avoid missed payments and late fees. It also adds a layer of financial accountability that helps users build better payment habits and manage recurring bills more effectively.

No Credit Check Required

Many users prefer apps like Deferit because they don’t perform hard credit checks. If you’re concerned about your credit score, choose a platform that allows bill-splitting and installment payments without affecting your credit report, making it ideal for users with poor or no credit history.

Bill Payment Direct to Provider

One critical feature of a trustworthy Deferit alternative is its ability to pay your biller directly, rather than just lending you the money. This ensures your utility or service provider gets paid immediately, which reduces the risk of disconnection or penalties due to delays or missed payments.

Transparent Fee Structure

Clarity is key. Some apps like Deferit are subscription-based, while others may charge a small one-time service fee. Either way, a good app should clearly list all charges upfront—no hidden costs, no surprise penalties—so you know exactly what you’re paying and why.

Top 20 Apps Like Deferit in 2025

As more users look for flexible ways to manage bills, numerous platforms have emerged that offer similar—or even better—features than Deferit. From interest-free payment plans to added perks like credit building or cashback, these top 20 apps like Deferit in 2025 offer smarter options to split, track, and pay your bills on time.

Sezzle

Sezzle is a popular Deferit alternative that lets you split payments into four interest-free installments. It’s ideal for both bill payments and online shopping, making it a great multi-purpose tool. No hard credit checks and quick approvals make it a solid choice for users seeking flexibility and ease of use.

Afterpay

Widely known for retail purchases, Afterpay also works well for recurring bills via virtual cards. This app like Deferit, offers four equal payments every two weeks with no interest or fees if paid on time. It’s perfect for users who want control over both everyday shopping and bill expenses.

Zip (Quadpay)

Zip allows you to pay any bill or expense in four installments using its virtual card. As one of the most flexible apps like Deferit, it supports a wide range of services, from utilities to subscriptions, while giving users control over repayment timing and frequency.

Klarna

Klarna is a global leader in the BNPL space and an excellent Deferit alternative for those who want shopping perks along with bill payment functionality. It offers three or four payment plans and is accepted by thousands of vendors, giving users more options for financial management.

Affirm

Affirm allows you to split larger purchases and bills into monthly payments with transparent terms. Unlike some apps like Deferit, Affirm may charge interest, but it’s known for clarity, no hidden fees, and longer repayment terms, ideal for bigger financial commitments.

Zilch

Zilch is a unique app like Deferit offering 0% interest if paid within the set timeframe. It also gives cashback rewards on spending and integrates with both physical and online merchants. It’s a great option for users who want financial flexibility with added incentives.

Laybuy

Laybuy offers six weekly, interest-free payments and supports a range of expenses beyond just retail. This Deferit alternative also performs soft credit checks to help tailor payment plans, making it suitable for users who want a structured and manageable way to handle bills.

Perpay

Perpay lets users buy now and pay later while building their credit score through on-time payments. As one of the few apps like Deferit for bills that actively report to credit bureaus, it helps users improve their financial health while managing their monthly expenses.

Brighte

Brighte focuses specifically on energy and home improvement financing. As a niche Deferit alternative, it offers tailored installment options for solar panels, renovations, and more, ideal for environmentally conscious users looking for smart payment flexibility.

Tabby

Popular in the UAE and Gulf region, Tabby splits purchases and bills into four interest-free payments. This app like Deferit, is great for international users seeking a reliable local BNPL option with seamless shopping and bill management in one place.

Splitit

Splitit allows users to pay in installments using their existing credit cards, with no interest or applications. As a transparent Deferit alternative, it doesn’t require credit checks and works well for both large purchases and recurring payments.

PayPal Pay Later

With wide acceptance and trusted security, PayPal’s Pay Later option lets you pay in 4 or monthly installments. While not a traditional app like Deferit, it supports select recurring expenses and is ideal for users already using PayPal for transactions.

ViaBill

ViaBill allows interest-free payments for both products and services. It’s one of the simpler apps like Deferit, focused on ease of use and accessibility, with a straightforward user interface and no hidden fees.

Clearpay

The UK-based counterpart of Afterpay, Clearpay supports four-part payments for services and shopping. It’s a convenient Deferit alternative for users in the UK looking for reliable installment options across various sectors.

Onepay

Onepay is designed for seamless digital transactions with installment plans for different types of bills. It’s a newer app like Deferit that emphasizes user-friendly interfaces, instant approvals, and wide biller integration, helping users streamline their finances efficiently.

BillEase

BillEase supports bill payments, online shopping, and even emergency loans with flexible payback options. As a well-rounded Deferit alternative, it caters to users who want more than just basic bill splitting, offering credit-building tools as well.

Flexifi

Now branded as Humm in some regions, Flexifi offers short and long-term installment plans. It’s a great app like Deferit for bills with options ranging from weeks to 24 months, depending on the size and type of expense.

Partial.ly

Partial.ly gives users the ability to customize payment plans, often used by freelancers and small businesses. It’s a versatile Deferit alternative that’s ideal for those who want more control over how they structure repayments for various services.

Limepay

Limepay integrates directly with merchant websites, allowing users to choose how they pay bills or purchases. As one of the more customizable apps like Deferit, it’s perfect for users looking for a branded and flexible payment experience.

Humm

Humm supports both small and large purchases with two repayment categories—‘Little Things’ and ‘Big Things.’ This feature-rich app like Deferit is useful for users who want to manage everything from groceries to medical bills under one financial solution.

Which App Like Deferit Is Right for You?

With so many apps like Deferit available in 2025, the right choice depends on your specific financial habits, goals, and needs. Whether you want better budgeting, credit improvement, or global support, there’s an alternative designed for you. Here’s how to pick the best one:

For Interest-Free Payments Only

If your priority is avoiding interest, go for apps like Deferit that focus purely on zero-interest installments. Options like Sezzle, Laybuy, and Zilch allow you to split bills or purchases without paying extra, making them ideal for short-term budgeting with no added costs or complications.

For Long-Term Installment Plans

If you need more time to pay off larger bills, choose a Deferit alternative with flexible repayment windows. Affirm, Humm, and Flexifi offer plans that stretch from weeks to months, helping you manage expensive items or bulk payments with ease and transparency.

For Credit Score Improvement

Want to build your credit while managing bills? Pick apps like Deferit that report payment history to credit bureaus. Perpay and BillEase help users improve their credit score just by paying on time, combining bill management with long-term financial benefits.

For International Users

If you’re outside of Deferit’s service regions, you’ll need globally accessible options. Klarna, Tabby, and Clearpay are excellent Deferit alternatives available in multiple countries, offering similar features while catering to users across Europe, the Middle East, and other regions.

For Shopping + Bill Integration

Some people prefer combining everyday spending with bill payments in one app. Apps like Deferit, such as Zilch, Zip, and Klarna, not only let you manage bills but also offer cashback, discounts, and shopping perks—all from the same platform.

Safety Tips for Using Bill-Splitting and BNPL Apps

While apps like Deferit and other BNPL services offer convenience and flexibility, misuse can lead to overspending or financial strain. To get the most out of any alternative, it’s essential to use these tools responsibly. Below are key safety tips to help you stay financially healthy while splitting bills.

Don’t Overuse Multiple Apps

It’s easy to lose track when using several apps like Deferit simultaneously. Stick to one or two trusted platforms to avoid confusion, overlapping payment schedules, and potential financial overextension. Too many BNPL commitments can quietly add up and cause cash flow problems.

Understand the Payment Terms

Always read the fine print before confirming a payment. Some Deferit alternatives may have late fees, service charges, or tiered interest rates. Understanding these terms upfront ensures you aren’t caught off guard and helps you make informed decisions that align with your financial goals.

Enable Notifications and Auto-Reminders

Missed payments can lead to penalties or service disruptions. Most apps like Deferit include built-in alerts—make sure they’re turned on. Some even allow auto-debit scheduling, helping you maintain a perfect repayment record without having to remember every due date.

Verify App Authenticity Before Use

Always download apps like Deferit for bills from official app stores or direct websites. Avoid third-party sources that might distribute fake or insecure versions. Reading user reviews and checking for SSL security are simple ways to ensure the app is safe to use.

Use BNPL for Essentials, Not Impulse Buys

Bill-splitting tools are designed to ease essential financial burdens, not encourage unnecessary spending. Stick to using apps like Deferit for critical bills such as utilities or insurance. Avoid relying on them for lifestyle purchases you wouldn’t otherwise afford upfront.

How to Build an App Like Deferit: A Quick Development Guide

Interested in launching your own app? Whether for personal finance, BNPL, or utility management, building a bill-splitting app involves several essential components. Here’s a simplified breakdown to help you understand the core steps involved in creating reliable and user-friendly Deferit alternatives.

Define Core Features

Start by identifying must-have features like bill upload, installment scheduling, real-time tracking, user authentication, and notifications. A successful app like Deferit should also include secure bill payment to providers and a dashboard for users to manage due dates, history, and payment options.

Choose the Right Tech Stack

Select a tech stack that supports scalability, speed, and security. Most apps like Deferit are built using React Native for cross-platform apps, Node.js for the backend, PostgreSQL or MongoDB for databases, and cloud infrastructure like AWS for hosting and scaling.

Integrate Secure Payment Gateways

Reliable payment processing is key to any Deferit alternative. Integrate trusted gateways like Stripe, Razorpay, or PayPal to manage user payments, automate bill settlements, and track transactions. Ensure the gateway supports multi-currency and multi-region capabilities if targeting a global audience.

Ensure Compliance and Data Security

Apps that handle financial data must follow strict regulatory standards. Make sure your app like Deferit is PCI-DSS compliant, uses encryption for data storage and transfer, and implements secure user verification like OTPs or biometric logins.

Include Admin and User Dashboards

A well-designed backend dashboard for admins enables transaction oversight, user management, and bill approvals. Simultaneously, user dashboards should be clean, intuitive, and provide real-time updates, making your Deferit alternative both manageable and user-friendly from all angles.

Estimate Time and Cost

Developing an app like Deferit typically takes 4–6 months, depending on complexity. Costs can range from $25,000 to $60,000, with variables like platform choice (iOS, Android, or both), feature set, team size, and backend infrastructure impacting the final budget.

How to Make Money from Apps Like Deferit?

If you’re building an app like Deferit, generating revenue while delivering value is key. While users benefit from interest-free bill payments, you can monetize your platform through smart and ethical strategies. Here are several proven ways successful apps earn money while keeping their services user-friendly.

Subscription-Based Plans

Many Deferit alternatives charge a small monthly fee for access to premium features like higher payment limits, priority bill processing, or credit reporting. A tiered subscription model helps you generate predictable recurring revenue while offering more value to power users.

Merchant Transaction Fees

When your app like Deferit pays service providers on behalf of users, you can charge those merchants a small processing fee. This fee is justified by faster payments and increased customer satisfaction, making it a win-win for both users and businesses.

Affiliate or Partner Commissions

Partnering with financial institutions, utility companies, or fintech tools lets you earn affiliate income. Each time a user signs up for a service or pays a bill through a partner link, your app like Deferit earns a commission, boosting revenue without impacting the user.

Late Payment Charges (Optional)

While optional, some apps like Deferit for bills charge users a nominal late fee for missed installments. To maintain trust, keep these fees minimal and transparent. This strategy encourages timely payments while providing an additional revenue stream.

Data Insights (With Consent)

With user consent, you can monetize anonymized financial behavior data by offering insights to fintech partners or billers. Unlike selling personal data, this approach ensures privacy while enabling your Deferit alternative to generate revenue through market analytics and trend reports.

Why Partner with Appquipo to Develop an App Like Deferit

If you’re planning to launch a custom app like Deferit, choosing the right development team is essential for success. Appquipo, a trusted AI development company, specializes in fintech and BNPL solutions with a strong focus on security, scalability, and intelligent automation. Here’s why Appquipo is the right tech partner for your journey:

Expertise in Fintech and BNPL Models

Appquipo has deep experience in building financial tools, from bill-splitting platforms to AI-driven budgeting apps. We understand what it takes to develop a seamless and compliant app like Deferit, with precise logic for installments, due dates, and real-time provider payments.

AI-Powered Personalization

As a leading AI development company, we implement machine learning for smarter features—such as dynamic due date suggestions, predictive payment tracking, and credit-risk scoring. These tools help your Deferit alternative stand out with intelligent user experiences.

Secure and Scalable Architecture

Security is non-negotiable. We use end-to-end encryption, two-factor authentication, and PCI-compliant infrastructure to keep financial data safe. Plus, our apps are cloud-ready—ensuring your app like Deferit scales smoothly as your user base grows.

Fast, Agile Development Process

We follow agile methodologies to deliver rapid, test-driven development. This ensures your Deferit alternative gets to market quickly without compromising quality. Our sprint-based approach also allows for iterative feature upgrades post-launch.

End-to-End Development Support

From UX design to backend engineering, API integrations, QA, and post-launch maintenance—we offer full-cycle development. Appquipo is not just a vendor; we’re a long-term partner invested in the success of your app like Deferit.

Conclusion

With increasing financial awareness, users are seeking more flexible ways to manage recurring payments. From interest-free plans to credit-building tools, there are many apps to explore in 2025. Whether you’re a user or a business aiming to develop your own solution, the opportunity is growing.

Choose the right Deferit alternative that suits your financial habits, and if you’re ready to create your own app like Deferit, partner with Appquipo to turn your vision into a user-friendly fintech platform.

FAQs