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How Does Sezzle Work?

Whether you realize it or not, the world of bills is changing. A decade ago, subscriptions were fewer and farther between. Now we’ve fully embraced them. Buy Now Pay Later (BNPL) — not very popular even a few years ago, and now a large percentage of Americans have to bake these costs into their monthly expenses. Among them is Sezzle — a Buy Now Pay Later service that allows consumers to make purchases now and repay them in installments later. But how does Sezzle work (really), and is it the right thing for your financial situation? Find out here.

What Is Sezzle?

Sezzle is a payment method that makes it easier for consumers to buy things from businesses even if the person does not have enough money in their account. When you pay with Sezzle, you can get what you bought now and then repay Sezzle in interest-free installments over the next several weeks.

How Does Sezzle Work?

Businesses partner with Sezzle, so to speak, and embed the payment method in their checkout experience so you can easily find and use it. You can use Sezzle online or in store by adding the Sezzle card to your virtual wallet.

When you checkout online or at the counter in the store, you can use Sezzle as you would any other payment method, such as a debit card or credit card. You input the payment information, and Sezzle calculates your eligible repayment plan on the spot.

Typically, your first payment through Sezzle will cover 25% of your purchase. Then Sezzle will divide the rest of your purchase into three interest-free installments over the next six weeks.

One bonus is that Sezzle pays upfront, so you can get what you ordered right then as if you paid with a debit or credit card. You also won’t have to pay processing fees or interest as long as you make all of your repayments to Sezzle on time.

Does Sezzle Have a Limit?

Sezzle has a spending limit, or credit limit, based on the total amount of your purchase. For first-time customers, the limit can be as low as $50. However, both you and Sezzle have the power to change that limit.

How to increase your Sezzle credit limit

If you are a new Sezzle user, your credit limit will likely be low. That is because Sezzle hasn’t yet had a chance to see what kind of borrower you are. Once you’ve used Sezzle several times and make on-time repayments, the service will determine that you are a responsible borrower. In the future, Sezzle will likely grant you more borrowing power.

When you sign up for Sezzle Up — a BNPL service that helps you build credit — you also receive a one-time credit increase.

How Does Sezzle Affect Your Credit Score?

A standard Sezzle account used for BNPL does not affect your credit score. When you sign up to use Sezzle for the first time, the service will run a soft credit check to determine your creditworthiness and minimize fraud risk. However, a soft credit check will not impact your credit score.

However, when you use Sezzle Up, this branch of the service is specifically designed to help you boost your credit score by reporting payments to the major credit bureaus — Equifax, Experian, and TransUnion.

If you make consistent, on-time repayments to Sezzle, you can expect your credit score to increase. However, if you repeatedly miss payments, you can also expect your credit score to decrease.

Does Sezzle Charge Interest?

Sezzle is completely interest-free, which is ideal for shoppers who want to make a larger than average purchase without the added cost of paying it back over an extended period of time.

Does Sezzle Charge Fees?

If you make consistent, on-time payments to Sezzle, you will not get hit with any processing fees. You can also reschedule a payment once and avoid a penalty.

However, there are certain instances where you could get stuck with a penalty. The only fees you will encounter include:

  • If you miss a payment
  • A scheduled payment fails
  • You have to reschedule a payment more than one time


To avoid fees, you can set up automatic payments so your Sezzle repayment will automatically come out of your account when it needs to. If you set up autopay, remember to confirm that the funds are in your account before the payment is scheduled to come out; otherwise, you may get hit with a failed payment fee.

How to Use Sezzle

Sezzle is an online credit service, but you can use it to pay for things online or in-store.

Online

Once in your shopping cart:

  1. Select Sezzle as your payment option
  2. Log in to your existing Sezzle account, or create a new account with your bank information
  3. Input your Sezzle payment information
  4. Make your first payment (Sezzle will schedule the following installments)

In-store

You can make purchases in-store by adding your Sezzle Virtual Card to Google Pay or Apple Pay. To add your virtual card to one of these apps:

  1. Log in to Sezzle through the Sezzle app or via your mobile web browser
  2. Go to the Sezzle Card tab
  3. Select Use Your Sezzle Virtual Card
  4. Copy payment information (e.g. card number and CVV)
  5. Open Google Pay or Apple Pay
  6. Go to Add to Wallet and add your Sezzle card details


When you’re ready to purchase something in-store using your Sezzle Virtual Card, you can scan the QR code at any participating store and select your Virtual Card to pay.

How to Repay Sezzle Installments

After your initial payment, you can repay your remaining Sezzle installments in one of several ways:

  • Bank account
  • Debit card
  • Credit card


No matter which method you choose, you will not be charged a transaction fee, and all payments will instantly be reflected in your Sezzle account. You can, however, receive failed payment fees if you attempt to make a payment but it does not go through. Before you try to submit a Sezzle repayment, ensure that there are sufficient funds in your account to avoid issues.

To add your bank account, debit card, or credit card to Sezzle:

  1. Log in to your Sezzle dashboard
  2. Go to Payment Methods
  3. Click Connect Your Bank Account
  4. Choose whether you’d like to instantly link an account or add a new debit card or credit card
  5. Input your account number, debit card, or credit card information
  6. Set your payment information as your default payment method

Is Sezzle Safe?

Buy Now Pay Later services come with risk. When used correctly, Sezzle or any other BNPL payment solution can be user-friendly, helpful, efficient, and a good way to boost your credit score.

It’s important to be financially responsible and make all payments on time. Sezzle does offer a 48-hour window to repay an installment manually if you miss a payment. You can also reschedule payments for up to two weeks if needed; however, this should not be seen as a crutch. The first extension is free. After that, it costs $5 each time that you’d like to reschedule.

Technically speaking, Sezzle complies with all Payment Card Industry (PCI) DSS Level 1 standards. That means that all information regarding your identity and transactions remains confidential. The stores associated with Sezzle get external audits to ensure their credibility and product quality. All user data undergoes a 256-bit encryption process to deter fraud, breaches, and mismanagement.

Sezzle Contact Information

You can contact Sezzle customer support at 1-888-540-1867 or via the chatbox on the Sezzle website. The chatbox is available 24/7.

Frequently Asked Questions

Does Sezzle have a minimum purchase requirement?

When you shop at any online stores that offer Sezzle, there is no minimum purchase requirement. However, the store itself can set a minimum amount to offer Sezzle as a payment option.

Does Sezzle have a maximum purchase limit?

Sezzle does not have a maximum purchase limit for customers who purchase through participating stores. Each buyer has a different purchase limit. Your purchase limit depends on your credit score, payment history, number of transactions, and other factors.

How soon will I get my purchase if I pay with Sezzle?

When you pay with Sezzle, you will receive your purchase in the same amount of time as if you’d purchased with a debit or credit card. Your purchase should ship out as soon as possible. The only difference when you pay with Sezzle is that your first payment only covers a certain percentage of the total cost. You will have to repay Sezzle in equal installments over the next several weeks in order to avoid financial consequences.

Can I use Sezzle to pay my bills?

Sezzle only works with specific merchants and billers. For instance, utility companies have not typically integrated Sezzle as a payment method yet. However, if you’ve added your Sezzle Virtual Card to your Google Pay or Apple Pay account, you can pay your utility bill indirectly through Sezzle.

Who accepts Sezzle?

At this time, you can use Sezzle at more than 29,000 stores online. Some of the most notable ones include GameStop and Target.

However, if you wish to use Sezzle at a store that has not integrated the service as a payment method, you can add your virtual card to your Google Pay or Apple Pay accounts and use it to make payments indirectly during checkout.

Can you pay Sezzle off early?

Sezzle doesn’t allow you to make total payments during checkout. However, you can pay off the remaining amount in full when your second installment is due.

Cushion helps you waste less money, save more, and live a financially healthier life. We monitor your bank and credit card accounts 24/7, find and alert you about pesky fees, let you know which fees are negotiable, which banks are cooperative, and can even automatically negotiate on your behalf.* To date, Cushion has secured customers more than $11 million in bank and credit card fee refunds—and we’re just getting started.

*Cushion only negotiates fees with high refund odds. We cannot guarantee any negotiations, a regular frequency of negotiations, or fee refunds—your bank makes the final call.

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