How Sezzle Works

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!

Check out our Store Directory for a list of stores that currently accept Sezzle. If you see a store that doesn’t have Sezzle, feel free to reach out and ask if they can add Sezzle - we’ve seen a lot of success when customers reach out directly!

Once you’re ready to check out, select Sezzle as a payment method. Returning customers will log in, and new customers will need to create an account and provide 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 will be due.

While our goal is to be able to approve every order, there are some situations where we might not be able to approve your order.

Here are some things to consider if you order wasn’t approved:
Do you have sufficient funds available? Typically, we check to make sure you have at least 25% of the total order cost available at the time the order is placed.
Length of time using Sezzle. Usually, we are less restrictive after the first six weeks.

The overall amount outstanding on previous orders and number of orders still open. If there are multiple orders with outstanding payments, and/or a majority is still outstanding on a previous order, paying those off can help increase your likelihood of approval.

Overall value of your new order. Reducing the order amount, or splitting it into smaller transactions, can help!

Payment methods linked to your account. Adding another debit card or a credit card can help us better understand your repayment ability, which can help get orders approved!