How Sezzle Works

How does Sezzle work?

Sezzle pay-in-four

Sezzle offers a pay-in-four payment plan to shoppers. With this plan, your balance will be divided into four equal payments, with the first payment due at checkout, and the remaining three due every two weeks until the loan is paid in full.

For example, if you have a cart totaling $200 and you opt in to Sezzle, you’ll pay $50 at checkout, followed by three installments of $50 spread out over six weeks. After the first payment, installments are billed to the debit or credit card you used to make the initial payment or are withdrawn from your bank account if you opt in to that option.

Sezzle doesn't charge interest for its pay-in-four plan, but it may charge a convenience fee for using a debit or credit card after the first installment, a late fee for missed payments or a payment rescheduling fee (more on these fees later).

Other Sezzle payment options

In addition to its pay-in-four plan, Sezzle also offers an interest-free option to pay in two installments — meaning you split the purchase in half, with the first half due at checkout and the second half due two weeks later.

Finally, Sezzle offers monthly financing with terms ranging from three months to four years. These longer payment plans may charge interest — with annual percentage rates from 5.99% to 34.99% — though 0% APR offers may be available.

Split your entire online purchase into 4 interest-free payments, over 6 weeks with no impact to your credit.