Get approved fast. No hard credit check. Use Sezzle for shopping, dental, vet, auto repair, and more at 47,000+ partner stores.
Sezzle is a buy now, pay later (BNPL) service that lets you split purchases into 4 interest-free payments over 6 weeks.
Pay 25% at checkout, then 3 more payments every 2 weeks. Simple, predictable, and budget-friendly.
No interest charges when you pay on time. Keep more money in your pocket while shopping.
Sezzle uses a soft credit inquiry that won't impact your credit score during approval.
Get started in minutes with this easy 4-step process.
Create your account in minutes with basic info. Quick approval process.
Browse 47,000+ partner stores or use Sezzle Anywhere virtual card.
Select Sezzle at checkout and pay only 25% upfront.
Automatic payments every 2 weeks. Done in 6 weeks total.
Discover why millions of shoppers choose Sezzle for flexible payments.
Soft inquiry only — won't affect your credit score when you apply.
Pay on time and never pay a single cent in interest charges.
Reschedule payments if needed. Life happens — Sezzle understands.
Sezzle Up program reports to credit bureaus to help build your score.
Shop at thousands of retailers across every category.
Clothing & Accessories
Tech & Gadgets
Furniture & Decor
Cosmetics & Care
Parts & Repairs
Dental & Medical
Hotels & Flights
View All Categories
See how Sezzle compares to Afterpay, Klarna, and Affirm.
| Feature | Sezzle | Afterpay | Klarna |
|---|---|---|---|
| Credit Check | |||
| Payment Split | 4 payments | 4 payments | 4 payments |
| Interest Rate | 0% | 0% | 0-24.99% |
| Late Fee (Max) | Up to $10 | $8 capped | Up to $7 |
| Credit Building | Limited | No |
Find answers to the most common questions about Sezzle.
No, Sezzle only performs a soft credit inquiry when you apply, which does not affect your credit score. However, if you opt into Sezzle Up (their credit-building program), your payment history may be reported to credit bureaus.
Spending limits vary by user and are determined during the approval process. New users typically start with lower limits that increase over time with responsible use. Limits can range from $50 to several thousand dollars.
Yes, Sezzle is a legitimate publicly-traded company (NASDAQ: SEZL) founded in 2016. They use bank-level encryption to protect your data and have served millions of customers. They're BBB accredited with an A+ rating.
If you miss a payment, Sezzle may charge a late fee (up to $10). You can reschedule payments if needed to avoid fees. Continued missed payments may affect your ability to use Sezzle in the future.
Yes! Sezzle offers a virtual card feature that you can add to Apple Pay or Google Pay for in-store purchases at participating retailers. You can also use Sezzle Anywhere to shop at stores that don't directly partner with Sezzle.
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