Sezzle is a payment solution that gives you the freedom to buy now and pay later - with no interest!
When you place an order through Sezzle, our unique approvals system reviews your account to determine what sort of repayment plan we can offer. In most cases, it's 25% of the order total due up-front (also called your "downpayment" or "first installment"), with the remaining amount divided up across three more installments, each due two weeks apart. No interest, no up-front or hidden fees. In fact, as long as you pay off your installments on time, there are no fees at all!
When your order is placed, Sezzle pays the merchant in-full for the order immediately - so the merchant has their funds and is able to process your order just like if you had paid them in full with a credit card! This isn't layaway, so the merchant fulfills your order within their normal shipping and processing times. Our checkout is straight forward - simply shop at a merchant that offers Sezzle, select "Sezzle" at checkout, and we walk you through the rest of the process.
What's the catch?
There's no catch. We don't charge interest, and we only charge fees if a payment fails or you need to adjust the date of your payments more than once per order. We also only run a soft credit check (or "soft inquiry"), so there's no negative hit to your credit score.
How do I get started?
If that all sounds great to you (and we hope it does), there are a few requirements to get started shopping with Sezzle:
Be 18 years of age or olderHave a US or Canadian phone number that can receive textsHave a working email addressHave a non-prepaid payment method availableFor shoppers in the US and Canada, this can be a bank account, a debit card, or a credit card.
How does Sezzle impact my credit score?
Sezzle does offer an upgraded account called Sezzle Up with a feature to build your credit, access to your limit, and a boost, as well as exclusive in-app merchants. At this time, Sezzle does not report activity to any credit bureaus for users not enrolled in Sezzle Up. You can read more about Sezzle Up and credit reporting:
What is Sezzle Up?
Sezzle Up is the buy now, pay later option that works with you to help build your credit and boost your buying power. When you upgrade to Sezzle Up, you enable us to report your payment history to the credit bureaus. By making your payments on time, you can increase your credit score. And, we increase your spending limit so you have more buying power.
For more information, please visit our Sezzle Up page at the link below:
What are the benefits of upgrading to Sezzle Up?
When you upgrade to Sezzle Up you can enjoy these benefits:
See your Sezzle limit: spend up to your Sezzle limit and pay-in-four at our 34,000+ storesBoost your limit: keep your account in good standing to boost your spending limit.Build your credit: always pay on time to build your credit score.
We are here to guide you on your journey of financial empowerment. We offer guidance, support and education as you improve your credit and increase the buying power you need to secure your future and shape your world.
How do I upgrade to Sezzle Up and start my credit journey?
Start your credit journey by following these 3 simple steps:
Link your bank account: Connect your bank account as default for scheduled payments, you will still be required to have a credit or debit card on file for default for first payments.Pay off one order: Pay off one order on time or early to qualify for Sezzle Up.Verify your account information: Enter your valid SSN and confirm your personal information.