How it works
Choose Sezzle at checkout or use the app. Split a purchase into four interest-free payments every two weeks, or into two. Monthly financing with interest is available on some online purchases.
What it costs
Pay in 4 and Pay in 2 carry no interest. Late payments, failed payments and some reschedules can add fees, which vary by state and order. Sezzle also sells monthly subscriptions (Premium and Anywhere) that unlock more stores and a virtual card.
Credit checks and reporting
Sezzle uses a soft check rather than a hard inquiry. Its opt-in Sezzle Up program reports on-time payments to the credit bureaus, which can help build credit.
Good to know
Rescheduling a payment is possible; the first reschedule on an order is typically free.
Terms checked October 2026. Services change their terms, so the terms shown at checkout are the ones that count.