Sezzle Explained

Sezzle provides a payment option where you can buy now and pay later.


When you place an order through Sezzle, our unique approvals system reviews your account to determine the repayment plan we can offer. In most cases, it's 25% of the order total due up-front (also called your "down payment" or "first installment"), with the remaining amount divided up across three more installments, each due two weeks apart. There is no interest on pay-in-4 orders for over 48,700 brands and no up-front or hidden fees as long as you pay off your installments on time. We also offer a virtual card, pay-in-2, pay-in-full, and long-term financing checkout options.


When your order is placed, Sezzle pays the merchant in full for the order immediately—so the merchant has their funds and can begin processing your order.


Our checkout is straightforward - shop at a merchant that offers Sezzle, select "Sezzle" at checkout, and we walk you through the rest of the process. The best way to find brands that provide Sezzle is through the Sezzle app. 


Getting started


 To become a Sezzle Shopper, you must:


-Be 18 years of age or older.

-Have a US or Canadian phone number that can receive texts.
-Be able to verify your email address.
-Have a non-prepaid payment method available - For shoppers in the US and Canada, this can be a debit or credit card.

Sezzle does not impact your credit score. We may run a soft credit check (or "soft inquiry") to determine your spending power, but your credit score has no negative impact.