Our honest, unbiased analysis of Sezzle's buy now, pay later service based on real user experiences.
Sezzle is a solid choice for shoppers who want a simple, interest-free way to split purchases into four payments. It stands out from competitors with its credit-building program (Sezzle Up) and wide merchant network.
However, it's not perfect. Spending limits can be lower than competitors, and late fees can add up if you're not careful with payments. For responsible users who pay on time, Sezzle offers genuine value.
Sezzle has an A+ rating with the Better Business Bureau and is BBB Accredited since 2019. This indicates they meet BBB accreditation standards and have made a commitment to make a good faith effort to resolve consumer complaints.
On Trustpilot, Sezzle has mixed reviews with an average rating of around 3.5-4 stars. Positive reviews praise the easy approval process and interest-free payments. Negative reviews often mention customer service issues and declined transactions.
Sezzle is publicly traded on NASDAQ under ticker symbol SEZL. As a public company, they're subject to regulatory oversight and financial transparency requirements.
Sezzle is absolutely legitimate. Here's why you can trust them:
There are fake Sezzle websites and phishing attempts. Always access Sezzle through their official app or sezzle.com. Never share your login credentials via email or text.
| Feature | Sezzle | Afterpay | Klarna |
|---|---|---|---|
| Our Rating | 4.2/5 | 4.3/5 | 4.0/5 |
| Interest Rate | 0% | 0% | 0-24.99% |
| Late Fee | Up to $10 | $8 capped | Up to $7 |
| Credit Building | Limited | No | |
| Virtual Card | |||
| Store Count | 47,000+ | 100,000+ | 500,000+ |
Yes, Sezzle uses bank-level encryption (256-bit SSL) to protect your payment information. Your card details are stored securely and never shared with merchants.
Sezzle's approval system considers multiple factors including purchase amount, payment history, and spending limit. New users or those with missed payments may experience more declines. Building a positive payment history improves approval rates.
Sezzle offers 0% interest if you pay on time, while credit cards typically charge 15-25% APR. However, credit cards offer purchase protection, rewards, and don't have the same spending limits. Choose based on your financial situation.
See your spending limit with no impact on your credit score.
Check Eligibility Now