Sezzle FAQs

Q: I do not see Sezzle option at Check-Out.
If you're unable to find the Sezzle option during checkout, follow these steps:

  1. Log in to your account but skip the Shop text message verification.
  2. Proceed to fill in your information and continue to the next steps.
  3. Click "Continue to Shipping" and select your preferred shipping method.
  4. Finally, proceed to "Continue to Payment," where you should now see the Sezzle option available for selection.

Please note that if you log in using the Shop App's text message verification, you'll exclusively see the Shop Pay installments option at checkout, and Sezzle won't be visible.

Q: What is the minimum purchase amount in order to pay using Sezzle?
A: Your order must equal to $50 or more to qualify for payment using Sezzle. Sezzle is available at checkout after Shipping information.

Q: What is Sezzle?
A: Sezzle is a payment solution that enables you to "Shop Now and Pay Later" with simple interest-free installment plans.

Sezzle breaks 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 ship 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.

Q: How do I sign up?

A: Select Sezzle as your payment method while checking out.

Q: Who can use Sezzle?
A: 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 phone number and email address
  • Have an active U.S. bank account

Sezzle's extended payment product does not qualify as a credit product per Reg Z, which means there is no "hard credit" check typically associated with credit products.

Q: Sezzle says the payments are interest free. What's the catch?
A: There is no catch. Sezzle is completely interest-free for shoppers. We pay 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 does their best to prevent this from happening by sending email and text reminders. Rescheduled payments will incur a $5 late payment fee.

Q: Does Sezzle perform a credit check?
A: Sezzle's extended payment option does not qualify as a credit product per Reg Z, however they still pull your credit score as part of their risk check. Don't worry, this check won't have a negative impact, because Sezzle is not a credit product per Reg Z. This is considered a "soft check" of your credit. Sezzle uses your credit information to help approve you, verify your identity, and reduce fraud.

Q: Does Sezzle report to credit bureaus?
A: Sezzle currently doesn't report to credit bureaus.

Q: What is the checkout process like with Sezzle?
A: 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 phone number you provide. You will then be asked to login to your bank as the final step in their checkout. The entire process should take under 2 minutes for first-time Sezzle users. Secure checkout takes just a few seconds to complete for existing Sezzle users.

Q: Why was my purchase with Sezzle not approved?
A: While Sezzle strives to offer all applicants an installment plan, they're not able to approve every application. If Sezzle isn't able to approve your application, they will immediately notify you of their decision. When determining which orders to approve, Sezzle considers a number of different factors. For example, the longer you have been a shopper with Sezzle and the more orders you have successfully repaid, the more likely you will be able to spend more. Here are some things to consider:

  • Do you have sufficient funds available? Generally Sezzle looks to see that you have 25% of the order available to spend.
  • The amount you have to repay on previous orders - it may help to pay some off (not a guarantee).
  • The value of the order you are trying to place - it may help to reduce the value of your shopping cart (not a guarantee).

Q: Is Sezzle secure?
A: Security is critically important to Sezzle. Sezzle undergoes quarterly scans and yearly audits for the highest level of compliance in the Payment Card Industry (PCI) to ensure that your data is safely stored in their systems. Sezzle is currently being certified to the top level of compliance - PCI Level 1.

Q: My order hasn't arrived. What should I do?
If you believe your order should have already arrived, you will need to contact Easy Tumblers at Sezzle does not handle shipping or order fulfillment, nor do they have any role in the delivery process. Additionally, Sezzle is not able to adjust or change the order once it has been completed. All changes must be handled directly through Easy Tumblers customer service. Contact information should be included in your emailed Sezzle purchase receipt. We recommend that you allow 24 to 48 hours for us to respond to your inquiry.

​Q: Can I pay off my purchase early?
A: Yes! Sezzle encourages shoppers to pay off their account early if possible. If you'd like to pay off your purchase early, you can do so in your Sezzle customer dashboard.

Q: When do I make my first payment?
A: 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.

Q: Why have I been charged a failed payment fee?
A: If one of your automatic payment fails to complete, Sezzle will apply a $10 failure fee to the payment. The payment will be automatically retried later. Sezzle will remind you before the payment is due with text and email alerts, and will allow you to reschedule your payment. Please ensure that you reschedule your payment at least a day prior to the due date. The ability to reschedule your payment on the due date cannot be guaranteed due to variable processing times. If you have more questions about failed payment fees or rescheduling your payment, please contact Sezzle at

Q: Can I reschedule the payment date?
A: Yes, in their reminder email Sezzle will allow you to reschedule payments. Every Sezzle order comes with one free reschedule. This option will appear in your Sezzle app if you are eligible for additional reschedules. Should you reschedule a payment on an order for the second or third time, a fee may be added to that payment depending on your state’s legislature. This fee is displayed for your approval during the rescheduling process and is added to the payment amount. We cannot waive this fee once imposed. Rescheduling the payment back to the original date will not remove the fee.

Q: What happens if I don't pay?
A: If you don't pay, you'll receive reminders from Sezzle, and you will be charged a late fee up to $15. They encourage you to make your payments on time because missed payments can have a negative impact on your limits with Sezzle and your ability to use Sezzle in the future.