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With Sezzle, you can pay for everyday items in smaller chunks, rather than in one lump sum. This financing solution partners with hundreds of online stores, letting customers divvy up payments over a six-week period instead of paying all at once. You won't pay interest, and Sezzle doesn't affect your credit score.
But, you'll need to make a down payment — usually around 25% of the total cost — and pay off the rest within six weeks.
See the full Sezzle store list here
Sezzle is a financing option that some online stores offer at checkout. Sezzle's website lists its partners, so you can easily search to see if your favorite vendor offers this option.
Either way you choose to use Sezzle, you'll be prompted to create an account before making a purchase. An approval decision will be made instantly — no hard credit check required. If you're approved, you make the required down payment, then three equal payments are scheduled over the next six weeks.
You get one free reschedule option per order, and two $5 reschedules after that. So if you don't have the money to
make an on time payment, you can reschedule the Sezzle payment to avoid a late fee.
However, you're charged $10 if your payment doesn't go through — for example, if your bank account balance is too low or your card is declined. But Sezzle will waive the $10 fee if you make the payment within 48 hours.
Similar to Sezzle, Sezzle Up allows you to pay for purchases in four installments. The key difference is that your payment history will be reported to credit bureaus. This is both a pro and a con — miss a payment and it can hurt your credit, make your payments on time and boost score.
When you join Sezzle Up, your spending limit will increase and you’ll have the opportunity to increase it even more by making timely payments.
After joining Sezzle Up, you’ll have 90 days to cancel your account before any credit bureaus receive your activity report.
Sezzle is free as long as you make your payments on time. There are just two scenarios in which you'd have to pay a fee:
Yes, Sezzle takes your security seriously. The company has quarterly scans and yearly audits to make sure it is compliant with the Payment Card Industry (PCI) to ensure your private information is safe. Sezzle is currently certified at PCI Level 1, the highest level of compliance.
Sezzle can be a convenient payment option in a variety of situations, but it might not be the best choice for everyone.
To use Sezzle, you need to:
If you meet those criteria, you can apply for Sezzle financing on the checkout page of any store that accepts it. Or go to Sezzle's website directly to create an account and start shopping.
You'll receive an instant approval decision after pressing the Submit button.
Does Sezzle report to credit bureaus?
Only the Sezzle Up product reports to credit bureaus. Otherwise, using Sezzle won't affect your credit score — either positively or negatively.
How does Sezzle make money?
Merchants pay Sezzle a fee for its financing services. The company also collects fees for late and rescheduled payments.
What if I need to make a return?
All return and refund decisions are up to the store, not Sezzle. If you are issued a return by the store, Sezzle will credit your balance, starting with your last payment. If the refund amount is more than your final payment, that payment will be cancelled and your second-to-last payment will be reduced.
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