How Sezzle Works

How Sezzle Works Sezzle is a Buy Now, Pay Later (BNPL) service that lets you split your purchase into smaller, interest-free payments over time. It’s a simple, flexible way to shop without paying everything upfront.

Here’s how it works:

  1. Shop at a participating retailer online or in-store.
  2. Choose Sezzle at checkout. 
  3. Pay a small portion upfront—typically 25% of your total.
  4. The rest is split into 3 equal payments, automatically scheduled every two weeks (Pay in 4 plan). 
  5. Sezzle pays the merchant right away, so your order ships immediately.
  6. You complete the remaining payments over six weeks—100% interest-free when paid on time.

Additional Options:

 • Sezzle also offers other plans like “Pay in 2,” “Pay in Full,” or long-term monthly financing.

• You can use Sezzle virtually anywhere Visa is accepted by using the Sezzle Virtual Card via Apple Pay or Google Pay. Good to know:

• No interest or fees if payments are on time.

• Soft credit check only (won’t affect your credit score).

 • Late or failed payments may result in fees.

• You can reschedule one payment per order for free (in most cases). Sezzle is a smart way to budget your purchases and enjoy more flexibility without using a credit card.