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.