Yes! There’s no penalty for paying early.

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Affirm doesn’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one – so you always know exactly what you’re getting into.

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.

Checking eligibility has no impact to credit.

Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you’ve used, and how long you’ve had credit.

Yes – You can return an item you bought with Affirm by initiating the return process with the store.

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

You can find out more about how it works by clicking here. You can also access the Help Center by clicking here.

Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see them at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell them where you’re shopping, and they’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay them back over time.

Sezzle provides a payment option where you can buy now and pay later.

When you place an order through Sezzle, our unique approvals system reviews your account to determine the repayment plan we can offer. In most cases, it’s 25% of the order total due up-front (also called your “down payment” or “first installment”), with the remaining amount divided up across three more installments, each due two weeks apart. There is no interest on pay-in-4 orders for over 48,700 brands and no up-front or hidden fees as long as you pay off your installments on time. We also offer a virtual card, pay-in-2, pay-in-full, and long-term financing checkout options.

When your order is placed, Sezzle pays the merchant in full for the order immediately—so the merchant has their funds and can begin processing your order.

Our checkout is straightforward – shop at a merchant that offers Sezzle, select “Sezzle” at checkout, and we walk you through the rest of the process. The best way to find brands that provide Sezzle is through the Sezzle app. To learn more, visit https://sezzle.com/app or download the app by clicking here.

To learn how to use Sezzle virtually Anywhere, click here.

Getting started

If you’re ready to get started, click here to sign up! If you’ve already signed up, click here to get shopping! To become a Sezzle Shopper, you must:

• Be 18 years of age or older.

• Have a US or Canadian phone number that can receive texts.

• Be able to verify your email address.

• Have a non-prepaid payment method available – For shoppers in the US and Canada, this can be a debit or credit card.

Sezzle does not impact your credit score. We may run a soft credit check (or “soft inquiry”) to determine your spending power, but your credit score has no negative impact.

The Sezzle Virtual Card lets you buy now and pay later with select retailers online and in-store for Pay-in-4, Pay-in-Full, and Pay-in-2 orders. When you use your Sezzle Virtual Card for a traditional Pay-in-4 order, the total order amount will be divided into four equal payments over six weeks. Your first payment is due at checkout and will be charged to the default payment method linked to your Sezzle account. The remaining three payments will be scheduled over six weeks, with a payment due every two weeks.

Unless you are enrolled in Sezzle Up, using the Sezzle Virtual Card will not affect your credit score.

How do I sign up?

If you’re new to Sezzle, you must first download the Sezzle app and set up a Sezzle account. Please have your mobile phone and a payment method (credit/debit card or bank account information) handy.

Once you are logged in to your account through the Sezzle app, select the “Virtual Card” tab, or if you’re on a mobile device, click here. We’ll then take you step-by-step through getting a virtual card.

The Sezzle Virtual Card is only available for shoppers in the U.S. at this time. No international purchases will be accepted.

Our system considers various factors during the approval process, including how long you’ve been a Sezzle shopper, the information you provided at sign-up (soft credit check), and your order history with Sezzle.

Because our decisioning process systematically determines an individual’s spending power, we cannot share or increase spending power amounts or manually approve any orders.

How do I know my spending power?

There are a few ways you can gain access to your spending power. Completing one of the items below will give you access to your spending power and the other benefits listed.

• Join Sezzle Up, the Credit Builder. Learn more about joining Sezzle Up (US) or Sezzle Up (Canada).

• (U.S. only) Set a Bank Account as your Default Payment Method. 

• (Canada only) Set a debit card as your Default Payment Method.

Click here to learn more about adding and changing default payment methods.

Can Sezzle increase my spending power? 

No, we cannot manually increase your spending power. Because of our unique approval process, we can provide our shoppers with a completely free service and no fixed spending power.

If you are looking to place an order but were declined due to insufficient credit, consider lowering the amount of your order or making payments on outstanding orders. Sezzle spending power is revisited regularly; your purchasing power can increase with positive repayment history.

Can my spending power vary by brand?

Yes, your spending power may vary by merchant. You can see your spending power at each merchant within the Sezzle app. So, to increase your spending power at a particular merchant, make a few payments on your open orders. Note that payments via ACH may take up to 4 business days, whereas cards are quicker. The processing timeframe begins the first full business day after the payment has been made. If you made your payment on a Friday or over the weekend, your payment will begin processing on Monday.

Please note: Our system does not approve 100% of orders, and your order may be declined, even if the order amount is less than your estimated spending power, as Sezzle considers various factors during the approval process. Click here to learn more about potential order declines.

Because Sezzle is only the payment processor, we can’t make any adjustments to the order itself. If you need to make changes to or cancel an order, reach out to the merchant directly.

You should be able to find the merchant’s policies on order adjustments on their website. We recommend contacting the merchant through their requested channels (typically email or a contact page on their website) and not social media, as not all merchants actively monitor social media.

Additionally, if your order has already shipped but needs to change the address, you can contact the shipping company directly to update the address.

If a merchant can cancel an order, they’ll typically issue a store credit or a refund. See How do refunds work?

If you’ve adhered to the merchant’s policies regarding cancellations, but your order has still not been canceled, we can do so via our dispute process. To initiate a dispute, please log into your dashboard and follow the steps below.

• Log into your Sezzle dashboard via a web browser (the app doesn’t have this option).

• Go to your “Orders” tab and click “View Order” next to the order in question.

• Select “Get Help with this Order” in the lower left-hand corner.

Contact the merchant directly for their return instructions and policies to initiate a return. Once the merchant receives the return or exchange and initiates a refund, if necessary, the refund and/or alternate merchandise will make its way to you.

When returning an order, be sure to follow the instructions below:

• Follow the merchant’s return instructions.

• Request a tracking number for proof of return.

• Check your Customer Dashboard for updates.

• Reach out to us.

Follow the merchant’s return instructions.

Returns are subject to each store’s policies. For example, some merchants require an RMA (return merchandise authorization), have a specific location to which returned items must be mailed, or have fixed timelines regarding when returned items must be received. Additionally, if an item is considered a “final sale,” it often can’t be returned under any circumstances.

We strongly advise against mailing an order marked “return to sender,” as it may go to the wrong destination and void the return.

If a return is made outside the merchant’s policies, Sezzle cannot refund the order.

Request a tracking number for proof of return.

If you’re mailing an order back to a merchant following their return policies, use a carrier that provides you with a tracking number for proof of delivery back to the merchant. If the merchant does not recognize your return, we can only assist further if you provide us with the package tracking information. If you have returned an order to the physical store, please keep proof of the return until it has been processed.

Check your Customer Dashboard for updates.

Once the merchant sends us a refund, we’ll let you know. Your payment plan will be updated automatically, and we will send you an email detailing exactly what’s changed. Please contact the merchant directly with questions about your return or refund eligibility status.

Reach out to us.

If your installment due date is approaching and you need extra time to finalize your return, see How do I reschedule a payment?

If you have returned an item per the merchant’s policies and they have not initiated a refund or responded to your messages, please follow the instructions here to file a dispute, and our team would be happy to help.

If you haven’t received your order, please use the following information to help determine your next steps:

Contact the merchant.

If no shipping information is available or your delivery is delayed, please contact the merchant directly. Only the merchant can help you locate your delivery or replace your purchase if it gets lost.

Review your order.

If any of your items are pre-ordered or have extended processing times, you must account for this in your delivery wait time. Reference the merchant’s policies and processing times, usually found in the FAQ section on their website.

Track your delivery.

Use the tracking number provided by the merchant for updates on your order’s estimated delivery date. If your tracking number shows delivery, but you haven’t received the package, or it was delivered to the wrong address, contact the carrier directly for an update and, if necessary, file a claim.

Reschedule your payments.

Feel free to reschedule your installments until the situation with the merchant has been resolved. Click here to see how.

Reach out to us.

If you’ve confirmed that your order should have shipped per the merchant’s policies and still haven’t received tracking information, please log into your Sezzle dashboard and follow the steps here to open a dispute.

Our disputes team will evaluate your submission within three business days and discuss the next steps. Keep an eye on your emails from Sezzle and be ready to provide additional information. It’s essential that you save all relevant documentation regarding your order and communications with the merchant until the issue is resolved.