Sezzle Reviews

Sezzle offers three convenient "buy now, pay later" (BNPL) options to help you manage your purchases. Here's a breakdown of the plans:

• Pay in 2: With this interest-free option, you'll pay half of your total purchase upfront, and the remaining half two weeks later.
• Pay in 4: This plan also has no interest, provided you pay on time. It divides your purchase into four equal payments over six weeks. You make one payment at the time of purchase, and the other three every two weeks.
• Pay Monthly: For larger purchases, this installment plan allows you to spread your payments over a period of three to 48 months. APR may vary based on creditworthiness.

Sezzle offers two optional membership plans, Premium and Anywhere, which enhance your "buy now, pay later" experience with extra perks. Both plans give you benefits like special discounts and the flexibility of rescheduling one free payment per order.

• Premium ($12.99/month): This plan expands your shopping options, allowing you to use Sezzle's Pay in 4 plan at more than 350 additional brands.
• Anywhere ($17.99/month): This plan provides even greater flexibility, giving you a virtual card that you can use for Sezzle Pay in 4 plan at any merchant that accepts Visa.

Sezzle does not publicly disclose the Annual Percentage Rate (APR) range for its BNPL plans. However, several factors typically determine your APR, including your creditworthiness, the type of payment plan and the length of the repayment term. For instance, longer repayment periods usually have higher APRs.

While Sezzle's Pay in 2 and Pay in 4 plans are interest-free, a service fee of up to $7.49 may be charged each time you originate one of these plans. Additionally, other fees may apply, including:

• Late Payment: A fee of up to $16.95, or no more than 25% of the purchase order amount, may be charged for each late payment.
• Late Saver Fee: A $1.50 fee is applied if your bank account is not set as your default payment method.
• Payment Reschedule: After one complimentary reschedule, each subsequent payment reschedule incurs a $2.00 fee.
• Failed Payment: If a payment fails due to insufficient funds or other reasons, a fee of up to $6.95, or no more than 25% of the purchase order amount, may be charged per instance.
• Load Fee: Each time you add funds to your Sezzle balance, a fee of up to $4.99 may apply.
• Inactivity Fee: An inactivity fee of up to $5.00 may be charged if your Sezzle account balance remains inactive for at least 12 consecutive months.

Before committing to a BNPL plan with Sezzle, it's important to understand all potential user fees. You can find applicable fees published on Sezzle's website and also within the agreement you sign before activating services.

Signing up for Sezzle takes only a few minutes. You can create an account by visiting its website and clicking "Shopper Signup" or by using its mobile app.

To be eligible for a Sezzle account, you'll need to meet the following requirements:

• Be at least 18 years old.
• Live in the U.S.
• Be able to receive verification codes via text message.

Here's a breakdown of the Sezzle signup process:

1. Verify your phone number: During signup, you'll first provide your mobile phone number. Sezzle will send a verification code to this number, which you'll need to enter to continue.
2. Enter personal details: Next, you'll provide your first and last name, birthday and email address. Another verification code will be sent to your email.
3. Set up security and enter address: Then, you'll create a four-digit PIN code and enter your home address.
4. Authorize a soft credit check: Finally, you'll enter your Social Security number. Sezzle uses this to conduct a soft credit check, which won't impact your credit score. You can still sign up without entering your SSN initially, but you'll need to provide it later when you apply for a BNPL plan.

Once you’ve created an account, you can browse merchants that accept Sezzle payment plans and add funds to your balance. Keep in mind that before making your first purchase, the company requires a debit or credit card number linked to your account for automatic payments.

Yes, Sezzle is a legitimate financial company, publicly traded as SEZL. It's widely used, boasting over 2.7 million active users in the last year, who collectively spent $2.9 billion through the platform. Sezzle payments are accepted by more than 40,000 merchants.