How Sezzle Works
HOW DOES SEZZLE WORK?
Sezzle is a payment solution that empowers you to “Buy Now and Pay Later” with simple, interest-free installment plans. We break down the total cost of your purchase into smaller payments, spread over at least six weeks. As little as 25% is due at the time of the purchase, with the remaining amount spread out over equal installments (typically three), each two weeks apart. No interest or processing fees are charged to you - as long as you pay everything off on time, you only pay for what you ordered!
Once you’re ready to check out, select Sezzle as a payment method. If you're a returning shopper, you'll just need to log in. If you're a new shopper, we'll walk you step-by-step through creating an account and linking a payment method.
After you’re approved and you complete checkout, the merchant will ship your products just like they would with any other payment method.
You will be notified at checkout what sort of payment plan you’re approved for, including how much is due upfront and when the next payments are due. We'll charge the first installment amount the day that you place your order, and the rest will be automatically scheduled. Don't worry - we'll send you text and email reminders, so there aren't any surprises!WHO CAN USE SEZZLE?
To use Sezzle, you must be 18 years or older* and have a valid phone number based out of either the United States or Canada.
You will also need to have an email address as well as a payment method ready at checkout - we accept all major debit and credit cards, and you can also link a bank account directly. At this time, prepaid cards are not able to be used to place orders, but you can use them to pay off existing orders.
*You must be 19 years or older in Alabama, or if you are a ward of the state and live in Nebraska.
WHEN DO I MAKE MY FIRST PAYMENT?
We collect your first payment when you place the order with the merchant. You're always notified of the amount upfront, which could be as little as 25% of your total order cost.
The remaining payments will be spread out over your repayment schedule - you can always view the dates and amounts by logging into your Sezzle Shopper Dashboard, which you can access by clicking here.
IS THERE A CREDIT CHECK?
We complete what’s known as a “soft check,” which means we take a look at your credit score as part of our risk check, but this doesn’t have an impact to your credit score. We use this information to help verify your identity, minimize fraud risk, and approve you for Sezzle!
WHY WAS MY ORDER NOT APPROVED?
We try to offer all applicants a simple payment plan through Sezzle, but unfortunately, we’re not always able to approve every order. Our system assesses every order individually, taking into account your available funds, outstanding orders, and the total cost of the order you’re trying to place. If you’re not approved for any reason, we’ll notify you right away.
Here are a few reasons you may have been denied:
Insufficient funds. Typically, we check to make sure you have at least 25% of the total order cost available at the time you place an order.
Too new to Sezzle. The longer you use Sezzle, the better your chances of getting approved. Usually, we’re less restrictive after the first six weeks.
Outstanding balance(s). The amount you owe on previous orders and the number of open orders on your account both impact your chances of being approved by Sezzle. Paying off your outstanding balances can improve your chances of getting approved.
Order value. Reducing the total cost of your order, or splitting it into two or three smaller transactions, can improve your chances of getting approved.
Payments linked to your account. Adding another debit or credit card to your Sezzle account helps us understand your repayment ability, which can help get you approved.
Keep in mind: Just because you’re not approved today, doesn’t mean you won’t be tomorrow. Every order is unique – so keep using Sezzle!
For help, contact the Sezzle support team online, or call Sezzle at +1-888-540-1867. We’re available from 8:30 a.m. - 5:00 p.m. CST, M-F.