By AppHub Editorial Team · Updated August 3, 2026
Sezzle - Buy Now, Pay Later
Overview
Shopping
Sezzle Mobile
Free
Mar 21, 2019
5.1.1
7.0
No
May 18, 2026
Features
Sezzle, the ultimate buy now, pay later shopping app empowering you to buy what you love today and pay in easy, interest-free installments over six weeks.¹
Effortlessly split your purchases into four payments while making shopping more accessible and managing your budget easier with shop now pay later options.¹
Discover the smarter way to shop, earn rewards and stay ahead of your finances with Sezzle's pay in 4 solution – no impact to your credit score upon sign up, no interest, no hidden fee...
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
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Ratings breakdown
107,000 reviewsDeveloper contact
Name
Sezzle Inc.
Address
700 Nicollet Mall Ste 640 Minneapolis, MN 55402 United States
Website
https://sezzle.comPhone
+1 507-248-5572
Support
info@sezzle.com
Privacy
View policyFrequently Asked Questions
Does Sezzle charge a monthly or subscription fee? medium
According to user reviews, some users report a $12.99 monthly subscription fee for a membership, which they felt was required for approval. The app description also mentions that a 'Paid subscription may be required' for certain payment plans.
Source: user_reviews, app_metadata
Are there any fees with Sezzle? medium
Yes. Based on user feedback, there is a $6.95 fee for a failed scheduled payment. The app description also notes service fees on loans (e.g., a $7.49 service fee on a $300 loan) and that 'Everything is premium which incurs an additional fee' according to one user.
Source: user_reviews, app_metadata
Can my orders be declined even if I am within my spending limit? low
Some users report that orders can be declined even when they appear to be within their spending limit. One reviewer noted that 'Spending power changes based on store', and another had 5 orders declined despite being within the limit.
Source: user_reviews
How to Use
Sezzle lets you split purchases into interest-free installments (Pay in 2, 4, or 5) to buy now and pay over time, with options to earn rewards and build credit. (app_description)
Getting Started
Source: app_description_and_user_feedback_noted
- Download the Sezzle app from Google Play.
- Create an account and provide the required information for approval.
- Review your spending limit and choose a plan (Pay in 2, 4, or 5) at checkout online or in-store.
- Make the initial down payment and pay the remaining installments on schedule to avoid fees and potential spending limit reductions.
- Consider opting into Sezzle Up if you want to build credit history, and use the Sezzle Anywhere feature by adding the Virtual Card to your wallet.
Key Features (from app listing)
Source: app_description
- Buy Now Pay Later with flexible payment plans: Pay in 2, Pay in 4, Pay in 5, Pay in Full, and Monthly Payments for larger items.
- Sezzle Anywhere: Use Sezzle in-store or online by adding the Virtual Card to your Apple Wallet.
- Build Credit History: Opt into Sezzle Up to report payments to credit bureaus.
- Earn Rewards: Get rewards for shopping at top brands, playing games, and completing tasks.
Based on a user review reporting a $6.95 fee for a failed payment even if paid the same day, combined with app's description of payment schedules.
How this content was created
Content type: pattern_analysis_of_user_reviews_and_metadata
AI generated: Yes
- Google Play user reviews (12-20 preferred; may be smaller if source data is limited per app), June 2024 to April 2026
- Google Play ratings distribution
- App Store listing metadata
- Review samples are not statistically representative of all user sentiment
- High-engagement negative reviews can overrepresent complaints
- Claims labeled 'low confidence' are based on single-review observations only
- No real-world app testing was conducted
- Feature availability may vary by region, device, and app version
- Only 5 recent reviews were available, limiting the evidence base for claims
Pros & Cons
Based on analysis of Google Play user reviews
Pros
- Users appreciate the app: "Easy to use. Comes in extremely handy and am able to purchase some items that would have been put on the backburner for " high
Extracted from 1 high-rated user review(s)
Evidence (1)
“Easy to use. Comes in extremely handy and am able to purchase some items that would have been put on the backburner for months. In days where layaway is no longer an option with stores, this company f”Rating: 5★ February 20, 2026 21 likes
Cons
- Some users report issues: "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 subscr" low
Identified from 3 low-rated user review(s)
Evidence (3)
“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 p”Rating: 1★ September 13, 2024 286 likes“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 addi”Rating: 1★ October 16, 2025 417 likes“Everything is premium which incurs an additional fee. Spending power changes based on store, not sure this will work for me. *Edit: Can we give less than one star? now this app is just a money grab. t”Rating: 1★ June 10, 2025 197 likes
Recent Reviews
L Cooper
3★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.
Crystal Zerbe
1★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
Tresa Davis
1★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.
Phrixion
5★Easy to use. Comes in extremely handy and am able to purchase some items that would have been put on the backburner for months. In days where layaway is no longer an option with stores, this company fills that empty gap. Also, you can use it as an option to increase your credit score. Mine was *meh* average, but Sezzle helped boost it a little more. Only use this option if you plan on making payments on time, however.
KittenBlackheart
1★Everything is premium which incurs an additional fee. Spending power changes based on store, not sure this will work for me. *Edit: Can we give less than one star? now this app is just a money grab. they claim to give you credit, but it's not actually usable. can't pay with card, just an account reload-which is a higher requirement than what I owe, PLUS fees?? Got to be illegal.