Shopping with Sezzle

Sezzle provides a payment option where you can buy now and pay later.

When you place an order through Sezzle, their unique approvals system reviews your account to determine the repayment plan we can offer. In most cases, it's 25% of the order total due up-front (also called your "down payment" or "first installment"), with the remaining amount divided up across three more installments, each due two weeks apart. There is no interest on pay-in-4 orders and no up-front or hidden fees as long as you pay off your installments on time.

The checkout is extremely straightforward - shop like you normally would and select Sezzle as the payment method.

Complete the checkout and proceed through the Sezzle application to finalize your purchase.


Getting Started

How does it work?

Sezzle provides a payment option where you can buy now and pay later.

We also offer a virtual card, pay-in-2, pay-in-full, and long-term financing checkout options.

When your order is placed, Sezzle pays the merchant in full for the order immediately—so the merchant has their funds and can begin processing your order.  Please understand Sezzle orders can take 3-5 days to process.  Shipping statuses or Store pickup confirmation will be updated as soon as funds clear. 

Our checkout is straightforward - shop at a merchant that offers Sezzle, select "Sezzle" at checkout, and we walk you through the rest of the process. The best way to find brands that provide Sezzle is through the Sezzle app. To learn more, visit or download the app by clicking here.

How do I sign up?

The Sezzle Virtual Card lets you buy now and pay later with select retailers online and in-store for Pay-in-4, Pay-in-Full, and Pay-in-2 orders. When you use your Sezzle Virtual Card for a traditional Pay-in-4 order, the total order amount will be divided into four equal payments over six weeks. Your first payment is due at checkout and will be charged to the default payment method linked to your Sezzle account. The remaining three payments will be scheduled over six weeks, with a payment due every two weeks.

Unless you are enrolled in Sezzle Up, using the Sezzle Virtual Card will not affect your credit score.

How do I sign up?

If you’re new to Sezzle, you must first download the Sezzle app and set up a Sezzle account. Please have your mobile phone and a payment method (credit/debit card or bank account information) handy.

Once you are logged in to your account through the Sezzle app, select the “Virtual Card” tab, or if you’re on a mobile device, click here. We’ll then take you step-by-step through getting a virtual card.

How do promotions work with Sezzle?

Sezzle will occasionally offer promotions with our partnered stores or other financial institutions. Promotions may last for a limited time or be ongoing. The rewards offered for a promotion can be in the form of Sezzle Spend or a discount on a qualifying order at checkout. The following are examples of the types of promotions we offer:

  1. Sezzle shoppers earn Sezzle Spend when shopping with specific stores.
  2. A promo code can apply a discount to a qualifying store at checkout.
  3. Sezzle Spend can be issued after placing an order. This can be used on future purchases with Sezzle. Click here to learn more about Sezzle Spend.

Please review each promotion's terms and determine if a promo code will be needed during your Sezzle checkout! Some promotional discounts may be applied automatically without a promo code.

If you should have received an award for participating in a promotion, please search for any email or FAQ article regarding that promotion to ensure you qualify for the award.