Sezzle - Buy Now, Pay Later Reviews

by KendellB84

I opened the account and was told that I was approved for 100 dollars and would increase after first purchase. I use after pay all the time and thought I would try another one because you could add the virtual cars to Apple Pay. So I added the card to my Apple Pay about an week ago… haven’t heard anything from this app. Today I went to dicks sporting good to get some shoes and used Afterpay and target was right beside. Went in to get some AirTags and went to check out and got declined. Then I received a text saying they couldn’t approve me for the this app credit. So long story short… I had to spend money I didn’t have because they didn’t send me a notice before trying to use this app. So instead of spending 15 bucks on a 60 dollar purchase, I had to pay the entire amount or be embarrassed at the register. Im what society considers middle class and could have done without this stuff or ordered it off Afterpay. Make sure you are approved before going into a store cuz you could be disappointed

by Hollywoodrocker

They don’t answer the phone at customer service. I went to auto zone, set up a gift card through this app, and it couldn’t be used because it has a zero balance. So now I owe this app money for an empty gift card. Not cool.

I then stopped paying this app because they’re fraud. They reported to all credit bureaus that I haven’t paid them. I’m building my credit and paid them off on November 18th 2021. It’s now December 18th and they’ve yet to clear this from my credit. They claim they report to the bureaus monthly on their website. That is false. The last time they reported was October 2021. They were only on my transunion, and now just in the past few days, they’ve reported to Experian and equifax still saying I haven’t paid them. I’ve created disputes with all credit bureaus. Equifax states that they verified my debt with this app and closed my dispute without removing it.
I’ve recently made a complaint with the better business bureau.
If this is not removed from my credit soon, I WILL contact a lawyer.
Whatever you do, don’t trust this app. They will rip you off and they have done it to many customers. I talked to many other people on social media with the same problems.
Also whatever you do, DO NOT let them report to your credit. Their customer service is nearly non existent and simply a really lazy company in general. I will never ever use this app again and I haven’t used them in a year now.

by NostalgiaLadie

3. As I said, contacting customer service doesn’t help at all. I can’t converse with anyone personally. My needs were not addressed at all. I tried and now I’m done with this app. I will be paying close attention to the info that I provided to this app (in case any fraud turns up). I terminated the this app account. There was nothing else that I could do. If you won’t even converse in any way with your customers, you don’t care at all.

2. this app is scary. I just attempted to call Customer Service and wasn’t allowed to speak to a live person, but was directed to their email form service. Immediately I was emailed an auto response, with the same sorry excuses of why no one can help solve this. Unbelieveable! I deleted my financial info and hopefully can terminate my this app account. I regret trusting this app to handle my financial and indentifying info. I’m glad I didn’t give them my main finacial info. smh

1. Declined for a $3 purchase? Really? This is rediculous! I recently was approved for this app, but haven’t been permitted to make any purchases. I’m not being given any helpful reasons to why I’m being declined other than the purchase maybe too much. I have way more than enough to cover $3! Why was I approved for a this app acct, if they won’t allow me to purchase through them? The purchase process is not user friendly either. Too many security codes required just to have the purchase declined. smh...There is no point to this...

by Bgrizwell

So I recently deleted this app due to them not letting use Sezzle after I paid off all my payments. Had a payment that was late but when I paid it off i could no longer buy anything even though I still had a $1000 dollar limit with $0 balance. I emailed shopper support over and over getting the same bot response. My wife had the same problem when she emailed shopper support they fixed hers and said their was a glitch. She used half of her balance then it locked her out again!!! You can not actually talk to people and get a real response so if something happens you are screwed. You take a big risk using this app. It’s nice for awhile until you have a problem. I ended up getting an email from my creditors saying I needed to pay on my this app account when I owed nothing and had proof. Was forced to dispute the charges all because I couldn’t actually talk with a person. Now when I leave this review they will say email shopper support! What a joke. this app is not worth the risk

by CiIHcC99

I order about $300 worth on a boutique call “Wild heifers boutique” that works with sizzle about two months ago I never received any of my items I contacted the merchant just like sizzle suggested but nothing the owner never contacted me back then she send fake tracking numbers and she ended up blocking me on social media because I tried to get a refund, I went back and tried to contact sizzle to report this merchant and guess what I got ignored as well I send emails with proof of the scam, I waited on the phone for hours and nothing I wasn’t able to talk to anybody and I haven’t heard back from them but now they charging me late fees for that last payment I never made because simply I got scammed by one of they’re merchants, I had to go thru my bank in order to get my money back(the first 3 payments I made) and sizzle it’s now threatening me to pay them back and still haven’t heard anything about the scam and what they’re doing to fix it what a trashy company, if I keep receiving this type of emails I will be obligated to take legal actions i know I’m not the only one how’s going thru this same situation with the same merchant. I’ve talk to about 200 people on social media that is goin thru the same situation with sizzle and this merchant Wild Heifers Boutique.

by MkMommy0226

I have read this among other reviews. Sezzle is AWFUL since updates “recently”. Additionally, I reached out to customers services multiple times and was treated like complete GARBAGE. They basically gave me instructions on how to close my account. Mind you I have been a FAITHFUL customer for about two years. I have always paid & I have ALWAYS recommended them. I will never use them again and I will never recommend them again. I am disgusted with their customer service and ignorance. As stated in other bad reviews - you can’t only have 2 gift cards they say - but you can basically only use gift cards for any normal stores. Because that make sense right? My limit is over $2000 if that proves what type of “loyal” this app customer I was. I’m half tempted to change my cards and say screw this debt and app and they can legitimately shove it. What an awful way to treat “loyal” customers. There is no incentive to use this service anymore and I will take my business elsewhere since I was instructed to do so by customer rep Zoe today. Thanks this app. I wish I could leave 0 stars.

by Cfrancis21

Update After this app Response: Your response is what was told previously but it’s simply a lie. I only have 2 orders each with a different merchant and the new purchase was with a completely different merchant. Perhaps the truth would be amazing! No point in a high spending limit when you can’t even get close to using it with only allowing 2 purchases at a time regardless of merchants.

I use to love this service! I’ve used this service for several years. However they’ve recently changed it so that you can only have 2 gift cards at a time open. So what’s the point of a credit line? Considering most places don’t take this app in store threw their digital card and even if you shop online you still have to purchase a gift card to make the purchase. Since they’ve made this ridiculous change they are no longer my go to. I would recommend Afterpay. My credit line isn’t nearly as high with them but they don’t limit how many active purchases you have with them. Highly disappointed in this app and they have since became my last choice if I absolutely have to.

by Just A Person Who Wanted Music

It’s okay and it does do what its supposed to do but I can’t mess with Sezzle anymore. You guys always make the excuse you only get charged the extra $10 if the payment fails due to inefficient funds or misinformation. But there’s money in my account, my payment methods are verified. I even have the same card listed TWICE and even a third different card just in case. I have more than enough money in my account and this is the third time you guys have charged me extra for a failed payment with money clear as day in my account.. Only to get the same excuse when I asked for the $10 to be removed. Fix your system. You guys are not about to keep robbing me of Ten extra dollars every purchase. My next payment for an item was literally September 30, it’s September 29. I was getting ready to pay ahead of time so you don’t do this sneaky stuff again but you guys already have it preset as a failed payment. Fix your system or at least give people a grace period before getting charge happy.

by SparktacularRocks

For personal use, they have come through every time I needed to use them. Since covid money has been a little low and even though I needed things I didn’t have the money and this app made it happen. Without worrying about my credit and extra fees I have been able to buy the things I need.
As far as business, it works wonders, my customers can buy from me and pay later and for them it’s good because they still get what they ordered and it’s great for me because even though they haven’t paid the full amount yet I still get paid in full from this app. I haven’t had any issues and I just got an approval to a higher spending limit so this is going to be great for my business needs. Thank you!!

by Griff81818

This is the smoothest and most reliable buy now pay later app I’ve ever used. The customer service is excellent and your ability to boost your credit by making your four payments is a no brainer. I will be setting my wife up on Sezzle and I’ve already spoken about it to family and friends. Anything you are looking to purchase can pretty much be found on the 20k plus stores this app partners with. I find myself browsing the stores on Sezzle for long periods of time and I can now purchase some things I want or need and don’t have to have the full payment up front but have the ability to pay more early if I can. Nothing but good things to say and nothing but praise for this app.

by Elm City New Haven

Shopping on line is my thing and I love visiting different stores online but sometimes don’t wish to come up off my Own Money do to whatever other obligations I may have that may compromise my financial resources and Sizzle definitely provides a alternative that doesn’t hurt my pockets. The monthly payment options they offer along with the interest rates NO WAY could I turn away and with each paid off completions I get increase in my loans and that’s the KEY here….. pay off your agreed amount earlier than expected and they don’t charge you the total interest rate who can’t appreciate that?? They increase your spending limit with a light credit inquiry the very first time you sign up. They take a chance of you and as long as you keep your agreed among payments up to date the most they extend the trust. Pretty soon I might be purchasing a car using my dynamic pay history with them lol. Just keep in mind Sezzle issue only for good for people with great responsibility Finanical skills, so if you the type of person who lives for check after check DON’T mess around with Sezzle.

by Renee' Saint James

I💓This Company. I have been using this app for approximately 6 months & it is the only deferred payment company I will use. Sezzel Is Stellar in Every Area of It’s Program; Proper Distance In Auto Scheduled Payment w/ Custom Email & or Text Reminders b4 Payments Post & the Connivence of 1 Time No Fee Opposition to Change Said Set Auto Date & Only a Nominal $5.00 Fee per Same Transaction if Further Adjustments Need 2B Made. Also Since There is No Finance Fees it is Lovely to Pay Tab Off In Advance of Set Auto Pays w/o Any Penalty. Stellar Service. I Referred My Sister Sezzel & When She Had an Issue w/ One of the Companies Sending Item She Purchased ( b4 COVID 19 Pandemic), Sezzel Opened An Investigation & Handled the Matter which Led to Positive Outcome for My Sister. Sezzel Stands In Support 💯 % to Making Sure Vendor & Customers/ Clients Are Adhering to A Healthy Community. I Need No Other Company of This Type. P.R.Silver

by AngieAss709

I used them and got the virtual target card too. I first added two debit cards for payment but then I was reading about this app up , in hopes I’ll get the option to “this app up” I went and added my bank account too and set it as primary. Praying they give me the option to this app up ASAP. I pay on time on all my accounts and I wish I would I have added the bank first maybe I would have got the this app up option right away like I see many others saying. I’ve also seen some say they got the option to this app up After they added bank account within a few days later after adding it and making it primary for payments. Fingers and toes crossed they bless me with the options to this app up. Lord knows I could use this especially this time of the year. PLEASE this app IF YOU SEE THIS PLEASE OFFER ME THE OPION TO this app UP!!!! You all are awesome. I appreciate you and this is a huge blessing to a mommy of two like myself. I need this! Thanks a lot. 💫😘

by McPepos

Been using this app since they all started
I have placed tens of orders always paid them on time, then they started adding premium retailers like Lowes among others and for me to get access to these retailers I needed to my bank account and I did, so I placed like 2 orders in the amount of $600 or more than that and paid on time but then they removed these retailers until you they have your SSN, I tried to use my ITIN instead, the one that use for my regular needs like apt and car leasing and even my credit card from Amex
Sezzle says invalid SSN because obviously I entered my ITIN and now I can’t just validate it and customer service wont help you at all takes like 48 hours to reply your message just to say nothing can be done,
this app team is this the way you deal with loyal and great customers like me? You’re acting like “is just one of our thousands of clients say bye to him”
Before the last update you were all good but now it’s a shame guys.

by Mmmgayyboii<3

I love how easy and transparent the whole process is. The payments are reasonable and there is no charge if you need to reschedule an upcoming payment for whatever reason. I love how after paying my payments on the day that it’s due my credit limit increases. You don’t have to have good credit to even get approved, actually you don’t even need your credit at all which is really awesome. They have a plethora of different stores that have partnered with this app so you just browse through the stores and if you find something you love no matter what the price is all you do is chose this app at check out and your 4 payments are laid out very clear and simple and the item is shipped right then and there instead of having to wait to get your item after all the payments are paid. I recommend this option to those who have a love of shopping like I do. You save your money longer then just spending it all at one time it’s amazing.

by BrilliantMess

If your looking for an app of this type absolutely give this one a go. I went through just about every app offering this type of service and I only have three. Look, I’m gonna be honest I don’t even have a fico score so loans, line of credit etc is not gonna happen. But this app is an absolute gift! To my surprise they said yes and for me, the $450 limit was higher than I would have imagined lol. I’ve been using this for almost a year, they have a program that helps you build your credit which I think is great but I’ll have to update once I know more on that. It’s easy to use online and in store. The only con I really have is them having more Stores to chose from but I’ve noticed they seem to be working on that and have already added new stores. (If they’re store selection is an issue I do recommend Zip Pay (Quadpay). Soon to leave a review for them as well.) this app is one of my top three in this category and will continue to use it for the foreseeable future. :)

by Freemee! 88

Hello everyone I just wanted to share with y’all that Sezzle is just great! Sometimes we don’t have the entire amount for things so we just end up not getting them. That sometimes results on missing out on some great sales and it stinks. With Sezzle it’s helped me get stuff I need without out breaking my wallet. It’s a great way to get what you want with 4 easy payments. I love it. I have my own business and sometimes I need stuff for my shop (A little bow shop) when I’m in need of some supplies I’m able to get on here and make that purchase it’s great. But also you have to be responsible you cannot just get stuff and not pay. You have to make sure you are able to make the payments. It’s every 2 weeks. So if you get paid on the 1st or 15th make your purchase where it won’t be an issue. I usually pay it off on the 3rd payment to be done with it. If you don’t have the money that week you can always move your date about 7 days out. So just work around your payday.

by LisaLashay

I’m so grateful for the this app pay option. It has allowed me to treat myself recently, during a time where I haven’t been able to really do anything beyond pay bills because money is too tight to make large purchases. I also was able to get my son a very nice electronic item that he would not have been able to get if I had to pay full price up front. This card/acct is soooooo easy to use. All I did was pass my phone by the card reader machine at the store...via Apple Pay and boom purchase complete and I make my 4 small payments over the next 8 weeks. I definitely would recommend this to anyone. Not to mention All of the small businesses you get to support and help keep afloat during this crazy pandemic by shopping with them thru Sezzle . So many stores to shop with that have awesome quality items made by hard working people. Now that I’ve paid my first purchase off early I’m most excited that this app gives me the option to have them report positively to my credit. Great pay option !

by Gracies Eunni

I have used this app for over a year and have made several large (over $1000 purchases). I have absolutely NO complaints! I tell everyone I know that this app is the way to go if you need to make a fast purchase but would rather not pay the full amount up front. As you make in time payments your available balance will go up.
There are no interest, no fees (unless your late), no hidden charges (it’s the EXACT same price if you weee to pay by cash or debit card), and you can easily reschedule your payments on Sezzle . You don’t need to speak to a rep or feel uncomfortable or embarrassed, you can handle everything yourself on Sezzle - returns, payments, rescheduling, etc.
There are a lot of stores that accept it (more than the online list) and more were added over the past year but my only wish would be for even more stores/businesses to accept it.
No shame!, especially in these crazy times, it’s nice to be able to make 4 payments for a vacation/cruise, furniture, hair :) or when something unexpected pops up.

by RenCarDuB

Excellent App, I have very much enjoyed having and using this app!!! As well with the added credit line this has made this app 100% BETTER than before!!! The only couple things I would suggest to make this app the over all number 1 app across the board would be just a few minor things which would in my mind take this app to the very TOP!!! 1. Easier to reach Customer Service ( I was charged all 4 payments for an order that I never even received) I placed an order with a company Caravan comfort which turned out they didn’t have the product so Caravan Comfort refunded back to me the cost of the product however this app continued to charge me all 4 installments for the product I never received. I tried to reach a customer service rep from this app and unfortunately was never able to do so there paid for a product I never received. I was extremely disappointed and hesitated in placing another order.
2. Allowing the this app Credit line to be attached to Apple wallet and available to use for any purchases on any items any place or perhaps anyplace over the cost of $50-$100

by Nacho2111

Can’t even make any purchases with this terribly designed app with horrendous customer service. I was very excited to have the opportunity to not drain my entire bank account at once but it looks like that isn’t the case. I have more than enough money on the card attached to my this app account and this app tells me the purchase I’m making is too much money and it’s beyond my “this app limit” (nowhere did this app ever say anything about a limit). This completely defeats the purpose of using Sezzle as the only way you can use it is with small purchases I guess. this app is an absolute mess and is one of the worst companies I’ve dealt with in my entire life.

by AHodo

Aug 9 I wrote to this app with a reply only telling me I would hear from someone within 2-3 business days. On Aug 14 I heard back from this app. This is after I was given until the 11th to take care of a payment involving over a 300% fee on purchase. This situation arose because my card set for this app payments incurred fraudulent charges rendering it useless. I was not given an appropriate amount of time to 1) have a new card issued by the bank to replace said card, and 2) wasn’t given attention by the company, this app, until too late. I had less time allotted by this app to rectify the situation on my own than this app allotted for a response. This is unacceptable, thus I will be taking my business elsewhere and warning others about this faulty protocol. Account closed.

by Gold Solitairer

Believe me or not but I always have sufficient funds in my checking account. So when I use MasterCard to pay off these installments, do not send me notifications that my 3rd payment (of only $24!) was declined then automatically charge me $10 unless I pay it off within 48 hours. How is it fair to make a statement that customer service will reply back within 2-3 business days when i would have been charged that fee nonetheless? Sneaky.

I didn’t want to wait on the third day so I called on the same day and was on hold for awhile. I left a voicemail with my call back number and waited almost an hour so I fixed it on my own by using a Visa card, paid off the rest then uninstalled Sezzle . Is their a malfunction in the system? Are you really trying to trick people?

For those who never experienced this. Lucky you, but QuadPay and Klarna are much better. This is how they get your money “supposedly late fees and declined charges” that are obviously false.

by KgB1515

Love this app, I’ve been using it for quite some time now. However Sezzle update is absolutely TERRIBLE! With the old version I could easily add up how much money I owed, I could pay off my next payment early just by clicking on the amount at the top, I could see all my orders easily. With the new update Sezzle keeps glitching to wear I have to keep exiting and logging back in in order for all of the Sezzles I have going to even show up, I can’t click on the next payment at the top and pay it off early, I have to scroll and try to figure out which order it is referring to. Overall Sezzle is a mess right now. Old one involved less scrolling and less of a headache. Probably won’t continue to use after I get what i have left paid off.

by TryingKeto2

Everything was so easy-and all the information you need is all in one place. Sezzle is very user friendly; from your payment information to your orders. I had to reschedule a payment (I had not yet received the product) and everything I needed to do this was right there through Sezzle . And there isn’t a charge for the first rescheduled payment. That would be really helpful if something unexpected came up. Anyway-Love the ease of use from beginning to end! Great service!

by Sam Cortes 👾

I don’t get it, how does this company make profit if they didn’t charge interest or any fees. I never done a review before but I wanted to let everyone know this installment program plan is great and convenient!! I got my first skateboard thanks to this company and well I had a great experience and I even payed everything before the payments came and was so convenient. Just wished they offered like a points program for existent customers to get rewards or something like that. I want to get AirPods as well but there’s not many companies that offer this app payments .

by Rrron C

Okay, you get the item you want shipped to you with paying 1/4 of the price upfront. Then every 2 weeks they take another quarter out of your account until it’s paid. I bought 2 vape pens using this app and because exists the live resin tastes better because I could get a better vape pen. Someone wrote a review saying it was a scam, just trolling I suppose. I also suppose that person could get a huge painful hemmoroid because Sezzle isn’t the one. It’s 100% on the up and up.

by Mr Mel 61

This is the best thing that could of happened to allow a disabled woman with children and grandchildren and limited income to be able to finally buy stuff for myself, it’s the best , every two weeks and if something comes up before due date you can also change it, if they allow and still keep on track of your payments to pay off your balance, Thanks this app . Blessed to have you in my life and so so easy and no interest , better than a credit card 🙏❤️🥰😍😘

by Jstal89

I absolutely love this app! The convenience of being able to split my purchases into 4 payment installments helps with being able to make purchases while still staying in our family’s budget. I love how easy the website and app are both so easy to navigate through. I also love the flexibility of being able to reschedule your payments one time at a $0 fee, just in case the schedule it sets isn’t exactly what you need. I have been using this company for over a year now and will continue to use the this app option whenever it is available!

by Madison_a

So for college students like me, Sezzle is absolutely perfect. Maybe you need to buy something but can’t afford it until your next paycheck, well, this app is the way to go. Or for anyone who just wants to not pay something in full right away, Sezzle is great. It lets you pay off your purchases over 6 weeks interest free. It has been a life saver! this app needs to be utilized by more brands in my opinion. HIGHLY recommend it.

by Coco15_15

I love this app it’s so easy! Helps when you just need that shirt or pair of pants and don’t have enough money at the time to get what you want and with the payment plan you can do that! I love love it and will recommend it to anyone! Also before anything is taken out of your account you get a message or an email letting you know when your payment will be taken out and they also will let you reschedule payments if needed! It’s pretty awesome!!

by WhiteRavenMN

I love this app! It makes the purchase experience seamless at every stage: it's quick and easy to get approved, doesn't effect your credit, allows to split big purchases into easier-to-manage instalments ...and you can even reschedule the dates! $0 fees!! I missed a payment by 24 hours when I had problems with my bank: still $0 fees! They helped me when I changed bank and needed to wait for my new card. Still $0 fees!! The guy on the phone was like "we know life happens!" – how much better can it get? And now they have an app where I can see all upcoming payments at a glance!!! Why don't all store offer this app???!!!

by Toya Outlaw

Sezzle is easy to use and get convenient. I was introduced to Sezzle by one of my favorite stores, Deep South Pout. There is no interest occurred in any payments. One thing I would suggest is if Sezzle asked the buyer to set up payment dates instead of pre selecting them because I’ve noticed there is a rescheduling fee. Other than that I would recommend Sezzle to any one and I hope to see more companies use it

by Courtneyt89

I have been using this app for a few months now and I must admit it’s great. I was skeptical at first but I have made a few purchases using it and have never run into an issue. They split your payments into 4 payments every two weeks. They send you reminds before a payment is taken out a day or so ahead of time. It’s a great option for people who can’t spend large amounts of money on a purchase.

by Pepino 70

I absolutely love Sezzle ! It has allowed me to get two of my favorite lipsticks from Vive Cosmetics in easy payments. Simple and reminds you when you have a payment due a day before so you can reschedule if you need to. Which is what happened with me I was worrying about money and all these bills I needed to pay and this allowed me to reschedule to the day I was going to get paid again so I had one less thing to stress about. :)