Sezzle: Buy Now, Pay Later

4.5
106K reviews
Content rating
Everyone
5M+
Downloads
Content rating
Everyone
Learn more
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About this app

Sezzle makes shopping more flexible and more rewarding. Split your purchases into interest-free³ payments, so you can get what you need now and pay over time with confidence. More than just flexible payments, Sezzle brings together rewards, an opportunity to build credit history⁴, cash advances, and a mobile phone plan - all in one place.

BUY NOW PAY LATER
Pay in 5¹: Spread it further with five installments
Pay in 4³: Four payments over 6 weeks
Pay in 2³: Shorter term, faster payoff
Pay in Full: No installments and earn up to 2% Sezzle Spend
Monthly Payments⁵: For bigger purchases

PAY LATER ANYWHERE²
Use Sezzle to shop in-store or online. Add the Virtual Card⁶ to your Apple Wallet and pay later anywhere Visa® is accepted.

BUILD CREDIT HISTORY⁴
Opt in to Sezzle Up to report your payments to credit bureaus, so every purchase helps build your credit history

EARN REWARDS
When you fill up on gas, shop top brands, play games, complete tasks and more.

SEZZLE CASH⁷
Get the funds you need today sent straight to your bank or debit card and pay later in the app.

SEZZLE MOBILE
Stay connected with unlimited 5G data, talk, and text, starting at just $29.99/month. Enjoy priority access on AT&T, the nation's fastest and most reliable network. Save up to $840/year compared to traditional plans and cancel anytime—no long-term contract required.⁸

TRUSTED, TRANSPARENT, RESPONSIBLE
- No interest. No hassle.
- Approval in less than a minute with no long forms
- Flexible reschedules when life gets in the way
- Recommended by Investopedia and LendingTree

Download Sezzle and start shopping smarter, spending responsibly, and building the financial future you deserve.

¹Issued by WebBank or Sezzle. See loan agreement for details. For example, for a $300 loan, $60 down payment + $7.49 service fee today, then 4 payments of $60 every 2 weeks. 33.3% APR. Paid subscription may be required.
²Sezzle Anywhere for US Visa purchases only. Restrictions apply.
³Issued by WebBank or Sezzle. See loan agreement for details. For example, for a $300 loan, $75 down payment + $7.49 service fee today, then 3 payments of $75 every 2 weeks. 45.0% APR. Service fees vary by loan amount. Paid subscription may be required.
⁴Opt-in to voluntary credit reporting by enrolling in Sezzle Up. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. All payments, including late payments, are required to be reported, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including the financial decisions you make with other financial services organizations. The program and related services will not remove negative credit history from your credit report.
⁵Loans are originated by Sezzle and third party lenders, including WebBank. Refer to your loan agreement for lender information. All loans are subject to credit approval.Pay Monthly: For example, a $1,000 loan over 6 months would result in 6 monthly payments of $166.67 at 0.00% APR, $178.90 at 24.99% APR, or $184.29 at 35.99% APR. Minimum purchase amount and down payment may be required.
⁶Sezzle Virtual Cards are issued by WebBank, Member FDIC, pursuant to a license from Visa U.S.A Inc. See User Agreement for details. Sezzle provides access to financing in the form of installment loans. Sezzle is not a bank
⁷Issued by WebBank. Loan terms, repayment schedules, and fees are disclosed in your SezzleCash agreement prior to acceptance. For example, for a $110 loan + $3.50 service fee, you have 1 payment of 100% in 14 days. APR 82.9%. Optional express delivery may be available for an additional fee. Exact loan fee will be displayed at checkout in the loan agreement.
⁸Sezzle Mobile includes unlimited calls and texts to domestic phone numbers in the United States.
Updated on
May 7, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, App activity and 2 others
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
103K reviews
L Cooper
April 13, 2026
as long as U use it frequently and make payments early or on-time u might see an increase in ur spending power. if a scheduled payment fails, ur charged a fee of 6.95 and it might drop ur spending limit down, even if u still pay the same day. If u stop using it frequently, ur spending power might decrease. u pay 25% of the total purchase as a dp plus their fee of $5 to use their service (for each purchase) THIS IS NOT A CREDIT CARD OR LINE OF CREDIT ACCOUNT. it's a bit different.
3 people found this review helpful
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Sezzle Mobile
April 14, 2026
Hi there, we really appreciate the feedback provided. If there's anything specific you'd like to look into, please contact us at support@sezzle.com, and we'll do our best to help!
Crystal Zerbe
September 13, 2024
Beware! Huge con!!! I paid for the monthly subscription fee, thinking the reason I couldn't get approval to purchase anything was that I hadn't subscribed. 12.99 for the membership. I again tried to place several orders. 5 declined orders, all within my spending limit. I tried 1 small order, which didn't qualify for the "payments" option. It went straight through. B/c it processed as a full payment, just through Sezzle.They're basically lying to gain access to your accounts, payment methods,etc
285 people found this review helpful
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Sezzle Mobile
September 13, 2024
Hi Crystal, our goal is to promote responsible spending so our system does not approve 100% of orders. Also, Virtual Card use requires purchase requests, or pre-approved loan amounts that you need to request prior to making a purchase. Please reach out with your specific account details at shoppersupport@sezzle.com so we can best assist you!
Tresa Davis
October 16, 2025
Paying off this account and never using it again. Issues faced are beyond frustrating. If paying a down payment with a debit card then you should be able to make payments with that debit card. If adding funds to the Sezzle balance, you shouldn't have to fund that balance for more than the balance owed. Initially had a high spend and was dropped down to $50 out of the clear blue. No late payments, no missed payments. Not wasting anymore time with this app, others are far better. Not 1 star, 1/2.
416 people found this review helpful
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Sezzle Mobile
October 17, 2025
Hi Tresa, we apologize for any inconvenience caused by our updates on payment processing. We appreciate the feedback provided and will make sure to share it with our team for consideration. If there's anything we can do for you, please don't hesitate to contact us at support@sezzle.com.

What’s new

Cool new features, performance improvements and bug fixes to our app to provide you with a better shopping experience every time. Be sure to update or simply turn on automatic updates!