Ever get bummed out when your size gets gone before it's payday???
We now have a solution for you...
What is Sezzle?
Sezzle is a payment solution that enables you to “Shop Now and Pay Later” with simple interest-free installment plans. We break down purchases into four smaller payments spread over six weeks. 25% is due at the time of the transaction, with the remaining 75% due across three easy payments scheduled every two weeks.
When you complete a purchase with Sezzle, we fulfill your product immediately. You get to enjoy the item before you finish paying for it!
Sezzle automates the repayments from your bank account on file. You always have the option of paying off your purchase early by signing into your User Dashboard.
What is the checkout process like with Sezzle?
It’s fast and easy. Simply select Sezzle as your payment method during checkout. You’ll be asked to provide some basic information about yourself. Sezzle will secure the checkout using a one-time password that is sent via SMS text to the mobile number you provide. You will then be asked to select and login to your bank as the final step in our checkout. The entire process should take under 2 minutes for first time Sezzle users and just a few seconds for regular users.
How does Sezzle secure my account?
When a shopper creates an account with Sezzle there are rigorous steps taken to ensure your security. They send verification codes to your phone and email address to ensure your ownership and possession of those accounts. You must also add a PIN to your account as an added measure of security. Security experts call this “2-factor” or “Multi Factor Authentication,” and it is an industry best practice.
When you shop with using Sezzle, they can recognize the device you’re using by leveraging cookies and other technologies. If you are shopping with a recognized device, they simplify security by only asking for your PIN. If you are using a new device, they will text you to ensure you’re the one doing the shopping. Simple and secure.
Sezzle says the payments are interest-free. What’s the catch?
No catch. Sezzle is completely interest-free for shoppers. I, the merchant, pays Sezzle a fee for each transaction so that we can help you Shop Now and Pay Later.
The only fees you could potentially incur are failed payment fees and late payment fees. If your scheduled payment fails to process, you will be charged a $10 failed payment fee. Sezzle will send you email and text reminders to help prevent this from happening.
Rescheduled payments will incur a $5 late payment fee.
When do I make my first payment?
Your first 25% installment begins on the purchase date. This will be clearly communicated at the time of your purchase. Subsequent payments will occur every two (2) weeks, and your repayment is complete after six (6) weeks.
How do I change my payment options?
We will email and text you before any payments are due to help ensure you’re set up to make your payment. If you need to update your bank account for an order, log in to your User Dashboard, click on the order, and then click "Change Order Payment Method".
I returned part of my order/I received a partial refund. What happens now?
Returns subject to the return policy just like any other purchase. The same day of the return we notify Sezzle of the change.
All partial refunds are applied to the installments furthest in the future, first. If the refunded amount is greater than the amount of the purchase that is outstanding, Sezzle will apply a refund to the method used to pay the installments. Please allow up to five (5) business days for your refund to appear on your statement.
If the refund amount is less than the amount outstanding, Sezzle will remove or reduce your future installments. For example, let’s say you make a $200 Sezzle purchase (i.e. 4 installments of $50). You have three (3) installments remaining, and you received a $70 refund. Sezzle will remove your 4th installment and reduce your 3rd installment by $20 (now $30).
Your new installment schedule would be a future $50 installment and a subsequent $30 installment, which would lead to a total payment amount of $130, matching your purchase minus the partial refund.
Please note that you are liable for all installments until Sezzle receives notice from the retailer of the partial refund.
I got a refund, but I haven't received my money?
Sezzle aims to return your funds to you in a timely manner and in many cases your money will be returned to your account in 1-3 business days. However, depending on your payment method and other factors it may take up to 10 business days for the funds to reach your account. If you are concerned, send and email to email@example.com and they will check on the status of your refund.
Does Sezzle perform a credit check?
Sezzle does not perform credit checks. They don’t believe traditional credit scores are an accurate predictor of your ability to repay.
Who can use Sezzle?
To use Sezzle, you must:
- Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska)
- Have a valid U.S. mobile number and email address
- Have an active U.S. bank account
We don’t check your credit via traditional means, which means there is no "hard credit" check that will ding your credit score.