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Sezzle FAQ's

What is Sezzle?

Sezzle is a payment solution that enables you to “Shop Now and Pay Later” with simple interest-free installment plans. We break down purchases into four smaller payments spread over six weeks. 25% is due at the time of the transaction, with the remaining 75% due across three easy payments scheduled every two weeks.

When you complete a purchase with Sezzle, the merchant ships your product immediately. You get to enjoy the item before you finish paying for it!

Sezzle automates the repayments from your bank account on file. Shoppers always have the option of paying off their purchase early by signing into their User Dashboard.


How do I sign up?

There are two ways to sign up for Sezzle:

1. Create a Sezzle account in just a few steps by clicking here.

2. Select Sezzle as your payment method while checking out on our store!


So what's the catch?

No catch. Sezzle is completely interest-free for shoppers. Merchants pay Sezzle a fee for each transaction so that we can help you Shop Now and Pay Later.

The only fees you could potentially incur are failed payment fees and late payment fees. If your scheduled payment fails to process, you will be charged a $10 failed payment fee. We do our best to prevent this from happening by sending email and text reminders.

Rescheduled payments will incur a $5 late payment fee.


Does Sezzle do a credit check?

Sezzle's extended payment option not qualify as a credit product per Reg Z, however we still pull your credit score as part of our risk check. Don't worry, this check won't have a negative impact, because we're not a credit product per Reg Z. This is considered a 'soft check' of credit. We use your credit information to help approve you for Sezzle, verify your identity and reduce fraud.


Who can use Sezzle?

To use Sezzle, you must:

  • Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska)
  • Have a valid U.S. mobile number and email address
  • Have an active U.S. bank account

Sezzle's extended payment product does not qualify as a credit product per Reg Z, which means there is no "hard credit" check typically associated with credit products.

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