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Is Sezzle Safe? What To Know About Using Sezzle (2023)

Is Sezzle Safe? What To Know About Using Sezzle (2023)

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With so many buy now, pay later (BNPL) options available online, many are left wondering which options are safe, and how they can maximize their subscription benefits. Sezzle is one of the most popular BNPL solutions that you can find in your favorite stores and sites.

Beyond the convenience it offers, it also helps to connect you with your favorite products sooner. With these options in place, you don’t have to worry about waiting until payday to get the items on your wishlist! Below, we discuss Sezzle’s safety features and everything you need to know about Sezzle in 2022.

What is Sezzle?

Sezzle is a buy now, pay later (BNPL) service that connects you to hundreds of sites and e-shops, including Target, Sportsman’s Guide, Altitude Sports, Alani Nutrition, Melt Cosmetics, Perfectly Posh, and more. The service runs across all services, shops, and industries.

How does Sezzle Work?

Sezzle helps you to more easily afford your favorite items. Sezzle fronts the initial cost at checkout, allowing you to make smaller, frequent payments over time to cover the cost of the purchase. This is a great option for those living on a tighter budget or looking to spend less cash upfront at their favorite shops.

If you choose to upgrade to Sezzle Up, you’ll also be able to build credit with this type of plan over time.

Is Sezzle Safe?

With the variety of options available for consumers who prefer BNPL plans for their online shopping, it’s important to choose the safest option to ensure that your information is as protected as possible. Sezzle is considered to be one of the safest options currently available. They have been shown to be in compliance with Payment Card Industry standards and have over 9,000 consumer reviews with an average rating of 4.7 out of 5 setting Sezzle in the Excellent tier on TrustPilot to back up these claims with user experiences and feedback.

Is Sezzle Legit?

Now that you know that Sezzle is safe for use, you’re likely wondering: Is Sezzle legit? This service has made waves since its launch in 2016 and has caught the attention of several financial authorities and sites, such as CreditKarma, NerdWallet, and FinMaster. This, combined with their thousands of positive reviews on TrustPilot, helps many to take the leap and start their financial journey with Sezzle’s BNPL service.

Does Sezzle Have Gift Cards?

You can purchase gift cards using Sezzle at retail shops and sites that accept Sezzle as a form of payment. These gift cards will function normally, as you would find in gift cards purchased at a grocery store or site-specific location.

Shoppers who enroll in Sezzle Premium will unlock access to exclusive merchants that allow you to purchase a gift card for use in-store or online! 25% of the gift card total will be charged as a downpayment, just like any other Sezzle order, and your gift card order will follow our standard repayment schedule (4 payments over six weeks). The only difference is that after you purchase the gift card, you’ll need to use it to place an order with the merchant.

What is the Sezzle Virtual Card?

The Sezzle virtual card is a card that acts as a credit card, offering shoppers a seamless virtual (and physical) checkout experience. You’ll be able to use it virtually with any retailer that accepts Sezzle as payment and can enjoy a hassle-free, contactless BNPL experience at your favorite shops.

Sezzle & Your Credit

Wondering about how Sezzle affects your credit? Below are things that you should know about Sezzle and your credit and how you can get the most out of your Sezzle experience:

Does Sezzle Credit Check?

Sezzle conducts a “soft” credit check that shows Sezzle a minimum amount of background information surrounding your finances and credit. This will only be visible to you on your personal credit reports in most cases and will not affect your credit score negatively.

Does Sezzle Build Credit?

Not all BNPL programs work to build your credit or contribute to your credit history. Sezzle offers an option that can help take your credit-building journey to the next level. With SezzleUp, users can enjoy the option to make their money work for them as they build credit — offering you double the benefit and the opportunity to grow financially with each purchase.

With this in mind, it’s crucial to stay on top of your monthly or sequential payment schedules, as delaying your payments or ignoring these can lower your credit score.

Does Sezzle Report to Credit Bureaus?

Sezzle does report to credit bureaus; however, you may not see any reporting information for up to 60 days after your signup date. Bureaus that Sezzle is associated with include Equifax, TransUnion, and Experian.

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