How Sezzle Works
We now offer Sezzle on our website and wanted to explain everything there is to know about it. In this post we will talk about all the details of Sezzle including how it works and how to use it. So let’s get started.
Sezzle is a payment solution that empowers you to “Buy Now and Pay Later” with simple, interest-free installment plans. Sezzle breaks down the total cost of your purchase into smaller payments, spread over at least six weeks. As little as 25% is due at the time of the purchase, with the remaining amount spread out over equal installments (typically three), each two weeks apart. No interest or processing fees are charged to you – as long as you pay everything off on time, you only pay for what you ordered!
Once you’re ready to check out, select Sezzle as a payment method, you will be prompted to create an account with Sezzle, please complete this step. When you complete a purchase with Sezzle, we will ship your order out immediately!
Sezzle automates the remaining payments through whichever payment method you have on file, with text and email reminders before each payment is processed. You can always log into your account and change your payment method, and each order can have payments rescheduled twice, with the first one free!
Who can use Sezzle?
To use Sezzle, you must be 18 years or older (19 years or older in Alabama or if you are a ward of the state and live in Nebraska) and have a valid U.S. or Canadian mobile number and email address.
Are there credit checks?
If you’re worried about credit checks, don’t worry! Sezzle doesn’t qualify as a credit product per United States regulations (Reg Z), so there is no “hard credit check” processed. However, Sezzle do still look at your credit score as part of a risk check. This does not have an impact on your credit – this is often referred to as a “soft check.” They use this information to help approve you for Sezzle, verify your identity, and help minimize fraud risk.
When do I make my first payment?
Your first payment is due at the time of checkout. During checkout, you will be told exactly how much will be charged, which can be as little as 25% of the total order cost.
Sezzle says the payments are interest-free. What’s the catch?
There’s no catch! Sezzle is completely interest-free for shoppers.
The only fees you might encounter are failed payment fees or rescheduled payment fees. If your scheduled payment fails to process, you will be charged a $10 fee (this fee is separate from any fees your bank may charge). Typically, this happens when there’s not enough funds in the account or if the card has been canceled. We do send text and email reminders to try and prevent this from occurring.
While each order comes with one free reschedule, the second one does cost $5.
If a fee has been incurred, it will be added on to the overall amount of the next installment.
Please note, once a fee has been paid, we have no way to reverse it.
What happens if I miss a re-payment?
Life happens – we understand! We chose to partner with Sezzle because they understand this too.
Sezzle allows you to reschedule payments. Each order comes with one free reschedule, and then the ability to reschedule two more times for a $5 fee. We recommend rescheduling as soon as you know you need to (at least 48 hours in advance), because once payment has started processing it cannot be changed.
Sezzle does also send you reminders via text and email to make sure that you don’t forget!