How Sezzle Works
Sezzle provides you with 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 what sort of 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. No interest on pay-in-4 for over 48,700 brands, no up-front or hidden fees as long as you pay off your installments on time. We only charge fees if a payment fails or you need to adjust the date of your payments more than once per order.
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 straightforward - simply 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 offer Sezzle is through the Sezzle app. To learn more, click HERE and also start your process to download the app.
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 card or a 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 there is no negative impact to your credit score.
*Please note: bank accounts cannot be used to create a Sezzle account, nor to place orders, but can be set as default payment methods for further scheduled installments.