Learn exactly how to use Sezzle from sign up to final payment. Simple, easy-to-follow instructions.
Using Sezzle is simple. Here's how it works from start to finish.
Sign up in minutes with your email, phone number, and basic info. No hard credit check required.
Browse 47,000+ online stores or use Sezzle Anywhere at any store that accepts Visa.
Choose Sezzle as your payment method and log in to your account. Pay 25% upfront.
Remaining payments are automatically charged every 2 weeks. No interest if paid on time!
Creating a Sezzle account is quick and easy. Here's what you need:
During sign-up, Sezzle performs a soft credit check that won't affect your credit score. You'll receive an instant decision on your spending limit.
Using a debit card linked to a checking account with funds available can help with faster approval and higher spending limits.
Look for the Sezzle logo at checkout on partner websites. Major retailers like Target, GameStop, and thousands of specialty stores accept Sezzle.
Want to use Sezzle at a store that isn't a partner? Sezzle Anywhere gives you a virtual Visa card that works almost anywhere:
When you're ready to purchase:
Your order ships immediately — no waiting for payments to complete!
Here's how your payments break down for a $100 purchase:
| Payment | When | Amount |
|---|---|---|
| 1st Payment | At checkout | $25.00 |
| 2nd Payment | 2 weeks later | $25.00 |
| 3rd Payment | 4 weeks later | $25.00 |
| 4th Payment | 6 weeks later | $25.00 |
Payments are automatically charged to your card on file. You'll receive reminders before each payment.
The Sezzle Virtual Card lets you shop at stores that don't directly offer Sezzle at checkout.
For in-store purchases, you can add your Sezzle virtual card to your mobile wallet and tap to pay at any store that accepts contactless payments.
Life happens. Here's what to know about missed payments:
Sezzle may charge up to $10 per missed payment. However, there are limits — you won't be charged more in fees than the original purchase amount.
You can reschedule your payment once for free through the app. This gives you extra time without incurring late fees.
Repeated missed payments may affect your ability to use Sezzle in the future and could lower your spending limit.
If you're enrolled in Sezzle Up, missed payments WILL be reported to credit bureaus and could negatively impact your credit score.
Yes! You can pay off your balance early at any time through the Sezzle app with no penalties or fees. Many users do this to free up their spending limit for new purchases.
Sezzle approval is typically instant. Most users receive a decision within seconds of submitting their application. Some accounts may require additional verification.
With Sezzle Anywhere, you can use Sezzle at almost any store that accepts Visa — both online and in-store. Just create a virtual card in the app for each purchase.
Sezzle accepts most major debit and credit cards, including Visa, Mastercard, American Express, and Discover. Debit cards are recommended for best results.
Check your eligibility and get your spending limit in minutes.
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