Do you need to purchase something but find yourself strapped for cash? This app just might be the answer to all your problems. Sezzle payments allow you to make instant, affordable purchases by borrowing from lenders in a completely secure and private environment. In just a few clicks, you can snap up that new pair of shoes or bag that you\u2019ve been eyeing for days – guilt-free!<\/p>\n\n\n\n
In this Sezzle review, we’ll walk you through the ins and outs of this buy now, pay later company, and how it works.<\/p>\n\n\n\n
Sezzle<\/a> is a company that will allow you to make purchases when you desire and pay back over a six-week period without incurring any interest fees. You can use the app to secure a personal loan from lenders in your network. Payments are made via the application, which accepts credit cards, debit cards, Apple Pay and Android Pay.<\/p>\n\n\n\n This differs from other buy now, pay later companies because of its unparalleled privacy features. Unlike competitors that have fallen afoul of regulators for their lack of privacy practices, Sezzle uses behavioral tracking to ensure your purchase history remains private.<\/p>\n\n\n\n Basically, Sezzle pays the upfront cost of your item, so it gets shipped out to you. You’ll have to make a down payment or what they like to call your initial installment. This may vary from merchant to merchant, but usually, it’s 25% of the total upfront cost of the product you want to purchase.<\/p>\n\n\n\n After that, you just use your card to pay your monthly installment. Typically, you can clear the remaining balance in installment-free payments over six weeks.<\/p>\n\n\n\n Here’s a quick rundown of how you can buy items using Sezzle.<\/p>\n\n\n\n Sezzle’s documentary requirements are short and simple\u2014making it easy for anyone over the age of 18 to shop for anything they want without a deep look into your credit history.<\/p>\n\n\n\n To signup, you need:<\/p>\n\n\n\n Sezzle works with several partner merchants<\/a> where you can shop for any item you want. The process is simple. All you need to do is hit the Sezzle button at checkout, and you\u2019re good to go.<\/p>\n\n\n\n Sezzle follows a unique approval system that immediately shows you your payment options at the checkout. Here, you’ll need to make your initial installment. Once that’s done, it\u2019s smooth sailing from here on out.<\/p>\n\n\n\n Sezzle’s checkout process is pretty straightforward. Just choose a merchant that accepts Sezzle payments<\/strong>, click checkout and select Sezzle as your payment option. After that, the company walks you through the rest of the process, so there’s no confusion.<\/p>\n\n\n\n As with any buy now pay later app, there are upsides and downsides to using Sezzle payments. Take a look at them below.<\/p>\n\n\n\n Sezzle is a great way to grab luxury items without breaking the bank or having to use your credit card. Instead, you can checkout using the Sezzle portal.<\/p>\n\n\n\n Unlike other BNPL companies, you can boost your credit score with Sezzle<\/strong>. All you have to do is signup for a Sezzle Up account<\/a> and be disciplined with your payments. The company will (with your permission) report to credit bureaus.<\/p>\n\n\n\n While Sezzle approves payments quickly, the upfront payment required for your purchase to go through is significantly higher compared to other companies. They also give you less time to repay your installment than the other companies on the market.<\/p>\n\n\n\n We’re sure you have a few questions about Sezzle. Here\u2019s a list of the most commonly asked questions:<\/p>\n\n\n\n No, Sezzle doesn’t affect your credit score. Like other BNPL companies, they do a \u201csoft credit\u201d pull. And while a standard Sezzle account doesn\u2019t report your spending activities to credit bureaus, opting for a Sezzle Up account can impact your credit score in one of two ways.<\/p>\n\n\n\n If your payments are timely, you\u2019ll build your credit score. However,\u00a0if you miss payments, it can also pull your score down. Furthermore, when scheduled payments are declined, Sezzle may look into other ways to collect your debt on top of reporting to Transunion.<\/p>\n\n\n\n Yes, Sezzle reviews your credit history.<\/p>\n\n\n\n That said, Sezzle may decline<\/a> your purchases if anything in your credit history is too questionable. Unfortunately, there\u2019s no upfront information on what FICO score you need to apply for Sezzle.<\/p>\n\n\n\n Anyone over the age of 18 who lives in the US and Canada can use Sezzle.<\/p>\n\n\n\n There are specific details on how this works on their website, though. As such, we recommend checking out their Terms and Conditions page before you use the service.<\/p>\n\n\n\n Sezzle gives its users 48 hours to correct a declined payment. Once a second payment is declined, Sezzle charges a $10 fee.<\/p>\n\n\n\n If extenuating circumstances prevent you from making your payment on time, you can reschedule it free of cost. After that, you\u2019ll need to pay an additional $5 per succeeding rescheduled payment.<\/p>\n\n\n\n If you’re looking for a way to buy expensive items without accruing interest charges, Sezzle is definitely an option. Their approval process is easy and can be completed in just a few minutes.<\/p>\n\n\n\n However, their upfront payment requirement is higher than other companies in the buy now, pay later market. Furthermore, you’ll need to link your bank account or have a credit or debit card <\/a>to make your installment payments.<\/p>\n\n\n\n Still, Sezzle is a great way to get items at an initial discounted rate without going into debt. For those with a limited budget or those who want to make their purchases in private, this buy now, pay later company works wonders.<\/p>\n","protected":false},"excerpt":{"rendered":" Do you need to purchase something but find yourself strapped for cash? This app just might be the answer to all your problems. Sezzle payments allow you to make instant, affordable purchases by borrowing from lenders in a completely secure and private environment. In just a few clicks, you can snap up that new pair …<\/p>\n<\/a>How Does Sezzle Work?<\/h2>\n\n\n\n
<\/a>Requirements<\/h3>\n\n\n\n
<\/a>Shop For Items<\/h3>\n\n\n\n
<\/a>Get Approved<\/h3>\n\n\n\n
<\/a>Checkout<\/h3>\n\n\n\n
<\/a> <\/h2>\n\n\n\n
<\/a>Pros And Cons Of Sezzle<\/h2>\n\n\n\n
<\/a>Pros<\/h3>\n\n\n\n
<\/a>Cons<\/h3>\n\n\n\n
<\/a>Frequently Asked Questions<\/h2>\n\n\n\n
<\/a>Does Sezzle Affect Your Credit Score?<\/h3>\n\n\n\n
<\/a>Does Sezzle Do A Credit Check?<\/h3>\n\n\n\n
<\/a>Who Can Use Sezzle?<\/h3>\n\n\n\n
<\/a>What Happens If I Miss A Payment?<\/h3>\n\n\n\n
<\/a>Final Thoughts<\/h2>\n\n\n\n