Sezzle is a mobile application that provides a 'Buy Now, Pay Later' service, enabling users to make purchases and pay over time without interest. When making a purchase with Sezzle, the total amount is divided into four equal installments, scheduled over a six-week period. The first payment is due at the time of purchase, with the remaining three automatically deducted from your linked payment method every two weeks.

Sezzle can be used for a variety of online and in-store purchases, but it is not accepted by all merchants. The decision to offer Sezzle as a payment option is made by individual retailers. To see if a retailer accepts Sezzle, check their website or consult the Sezzle app, which lists participating merchants.

Sezzle does not charge interest on purchases. However, late fees may be incurred if a payment is missed. If a payment fails, Sezzle provides a grace period to make the payment before any fee applies. To avoid additional charges, ensure sufficient funds are available in your account. Always review the latest terms and conditions for fee details.

Sezzle performs a soft credit check during account setup, which does not impact your credit score. Nevertheless, your payment history with Sezzle can indirectly influence your credit. Consistently missed payments or unpaid debts could result in collections, potentially affecting your credit. Responsible use of Sezzle helps maintain a good credit profile.

Return policies align with those of the retailer. After a return is processed, the retailer will notify Sezzle, and your payment schedule will be adjusted accordingly. If payments have already been made, Sezzle will issue a refund or modify remaining payments. Keep all receipts and communication to facilitate a smooth return process.