Sezzle is a smaller but well-established BNPL provider that follows a similar model to Klarna and Afterpay: split a purchase into four interest-free payments over six weeks.
Signing up and eligibility checks
Sezzle generally uses a soft credit check to determine eligibility, meaning most approvals do not affect your credit score. Sezzle has also offered optional features, like Sezzle Up, aimed at helping customers build payment history — worth reviewing directly in the app since these features have changed over time.
What can affect your score
- Missed payments that escalate to a collections agency, the same risk shared by every BNPL provider
- Rescheduling or repeatedly missing payment dates, which can affect your standing within Sezzle’s own system even before anything reaches a bureau
Because Sezzle has experimented with optional credit-building features, it’s worth checking its current terms directly if building credit is part of why you’re using it — these programs are opt-in and not guaranteed to apply to every account.
For how Sezzle compares to bigger names, read our guides on Klarna and Afterpay, or see can BNPL help you build credit for the broader picture.