Your approved balance will vary depending 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 available balance will initially be smaller while we get to know a bit about you and your payment ability. As we learn more about your payment patterns, the system will automatically 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 typical "buy now pay later" services.