Comparing two major buy now, pay later platforms to help you choose.
| Feature | Sezzle | Klarna |
|---|---|---|
| Payment Options | 4 payments / 6 weeks | 4 payments, Pay in 30, or Financing |
| Interest Rate | 0% | 0% (Pay in 4) or up to 24.99% (Financing) |
| Credit Check | Soft check only | Soft check (Pay in 4), Hard check (Financing) |
| Late Fee | Up to $10 | Up to $7 |
| Credit Building | ||
| Store Count | 47,000+ | 500,000+ |
| Long-Term Financing | ||
| Our Rating | 4.2/5 | 4.0/5 |
Klarna wins on flexibility. While Sezzle offers only the 4-payment plan, Klarna offers multiple options: Pay in 4 (0% interest), Pay in 30 days, and long-term financing up to 36 months (with interest).
Klarna wins significantly with 500,000+ partner stores vs Sezzle's 47,000+. Klarna works with most major retailers worldwide.
Sezzle wins if you want guaranteed 0% interest. Klarna's financing option charges up to 24.99% APR. However, Klarna's Pay in 4 is also interest-free.
Sezzle wins with Sezzle Up, which reports to all three credit bureaus. Klarna doesn't offer credit-building features.
Klarna wins with lower late fees (up to $7 vs Sezzle's $10).
You want guaranteed 0% interest, credit-building features, and a simpler payment structure.
You need more store options, flexible payment terms, or longer financing for bigger purchases.