Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Better options than

Sezzle alternatives

Sezzle users often look for alternatives due to unexpected fees, inconsistent spending limits, and app issues. Alternatives like Klarna, Shop, PayPal, and Affirm offer different features for payment plans, money transfers, and shopping.

Why users look for alternatives to Sezzle

The alternatives

Cash App
4.8★ · 8,521,777 ratings · Free

Cash App is a mobile payment service that allows users to send and receive money, customize debit cards, and manage finances.

Better for: Cash App is better for users who need a simple, secure way to send and receive money, especially for personal transactions or rent payments, and who enjoy customizing their debit card R53R55R57R58.

Head-to-head: Sezzle vs Cash App
Shop
4.8★ · 7,023,417 ratings · Free

Shop is an app primarily focused on tracking shipping orders and offering payment plans for purchases, with some users also finding deals.

Better for: Shop is better for users who want to easily track multiple shipping orders in one place R66R67 and those who appreciate payment plan options for their purchases R72.

Head-to-head: Sezzle vs Shop
PayPal
4.8★ · 6,298,704 ratings · Free

PayPal is a widely used online payment system that facilitates sending and receiving money, with a 'Pay in 4' option for installment payments.

Better for: PayPal is better for users who need a broadly accepted platform for online payments and money transfers R80R89, and who might occasionally use its 'Pay in 4' feature, though some users report issues with this service R82.

Head-to-head: Sezzle vs PayPal
Klarna
4.9★ · 2,269,385 ratings · Free

Klarna offers buy now, pay later services, allowing users to split purchases into installments, and is often cited by Sezzle users as a preferred alternative.

Better for: Klarna is better for users looking for a reliable buy now, pay later service that is often seen as a direct and superior alternative to Sezzle for payment plans R3R4R31.

Head-to-head: Sezzle vs Klarna
Affirm
4.9★ · 1,714,189 ratings · Free

Affirm provides installment payment options for purchases, allowing users to choose payment plans and potentially build credit.

Better for: Affirm is better for users who want flexible payment plan options for larger purchases, including travel and school expenses, and who are interested in potentially building credit R94R100R102R106.

Head-to-head: Sezzle vs Affirm
Stick with Sezzle if

You should stick with Sezzle if you consistently have positive experiences with its payment plans, find its ability to split payments into 4 or 5 installments helpful, appreciate features like free reschedules, and have successfully increased your purchasing power over time .

Frequently asked

Does Sezzle charge a monthly fee?
Yes, Sezzle charges a $20 monthly fee for its 'Anywhere pay' feature, which allows users to make payment plans and use the service more broadly R3R16R19R43.
What are the fees for missed payments on Sezzle?
If you miss a payment on Sezzle, you can be charged a late payment fee of about $25, plus additional processing fees R7R25R33R35.
Can Sezzle be used at any store?
Sezzle offers a feature called 'Anywhere pay' which allows it to be used more broadly, but it typically requires a monthly subscription fee to access this functionality for common stores like Amazon or Target R3R10R19R30.

What reviewers actually said

Built only from these 106 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R3] Sezzle 3/5 · US It’s okay: The app is okay for borrowing money and payment plans but I’ve definitely had better before (Klarna, Shop, Afterpay, Affirm). Sezzle requires you to pay a $20 monthly fee just to even be able to use the money and make a payment plan and they tried to make it sound cool but coining it as (Anywhere pay) when the pay should’ve been available to be used anywhere from the beginning. They als
  2. [R7] Sezzle 1/5 · US Ridiculous: This app is ridiculous. My card was locked which caused me to have “failed” payment i can understand if the card had insufficient funds these people charge me $42 in fees, almost twice the cost of what was owed ridiculous. Rip off money hungry
  3. [R10] Sezzle 1/5 · US Paywall after paywall: I’ve had Sezzle for years now every store is stuck behind a paywall
  4. [R16] Sezzle 1/5 · US Sezzle Allowed Fraudulent Charges, Ignored and Canceled My Sub: This is the worst of any buy now pay later app. Go with literally anyone else. It’s annoying AF to use and costs way too much to use, monthly. I had a charge from Amazon but received no product at all. I opened a dispute and contacted “priority support” that you get from a subscription, but they ignored me or just sent auto-generate
  5. [R1] Sezzle 1/5 · US Inconsistent available balance: They’ll tell you that your available balance will go up if you pay early or on time, but that’s a lie, I made an early payment of $115 and they took $400 dollars away from my available balance. Once again as soon as my available balance reached $2000 Sezzle found a way to restrict my account, now I can’t use it at all, and customer service is utterly pathetic.
  6. [R13] Sezzle 1/5 · US Problems: Every time I try to pay with my Sezzle balance it won’t process, I have reported 7 times with no resolve, still have money that I loaded that I can’t use.
  7. [R29] Sezzle 1/5 · US SCAM!!!!: I added 135 to my wallet and it would not let me purchase anything through the app even after paying for the monthly subscription, DO NOT add money to anything or use this app it will just take your money and not give it back
  8. [R47] Sezzle 1/5 · US Issues: Used Sezzle for about four months. One day I decided to make a purchase was asked to verify ID. however I’d was not verified for no issues of my own. Although they have my bank account info and I’ve paid all my loans on time. I was locked out of my account and spend about went from 809 to zeros no resolve was given system won’t even verify my email .
  9. [R6] Sezzle 3/5 · US Can you STOP updating: EVERY 2 days it feels like there is a mandatory update and it’s annoying
  10. [R9] Sezzle 3/5 · US App works when it wants.: Love sezzle itself but the app never wants to open for me when I need to use it !
  11. [R15] Sezzle 3/5 · US Take so long: Although I do like this app, it takes so long to process your payment! Takes even longer to update your spending amount. Very annoying.
  12. [R12] Sezzle 3/5 · US Legitimate app but poor service: This app is legit, I have honestly made about +$160 in gift cards in just a month and a half, mostly thru arcade games and the money IQ. They also are good for credit reporting and giving you a decent amount for buy now pay later. The customer service is extremely lacking though. First time i had issues with not getting reward points for a game i had played an
  13. [R21] Sezzle 2/5 · US Overall good app: This app is good, offers a a lot just hate that when playing the games and earning points. You don’t always get them I have multiple game that I’m missing points for. This is second time I’m left and revised my review. Technical support reaches out via email. I send them screen shots of the missing game points and they just give you the run around and every excuse in the book wh
  14. [R11] Sezzle 4/5 · US Please fix: App is good but just recently I haven’t been able too exchange my point to Sezzle spend which is disappointing and it won’t let me convert the points too gift cards anymore I think there’s a bug issue or idk but besides that it’s good overall if you like playing games n making a quick buck
  15. [R18] Sezzle 3/5 · US Sezzle points has got to GO!: I used to love earning money by playing games but ever since they changed their rewards system they have gotten stingy with what they give you for completing game levels.
  16. [R53] Cash App 3/5 · US 3stars: Cash App is easy , and simple to use very secure
  17. [R55] Cash App 5/5 · US Best app: I have tried a number of banking apps, but Cash App is best. Problem ask the app no calls LOVE it.
  18. [R57] Cash App 5/5 · US Jesus loves you: I can customize my card !
  19. [R58] Cash App 1/5 · US Its amazing!: I just got cash app and it is working so good! Making my card design was fun and access ability was easy! Thank you cash app!
  20. [R66] Shop 5/5 · US The best app: Shop makes it easy to track your shipping orders
  21. [R67] Shop 3/5 · US Was great…: This app was fantastic until they stopped visually showing the tracked package..
  22. [R72] Shop 5/5 · US Best app for shopping: I go on this app all the time and they have the best and I love how they offer payment plans so you could still buy the things that you want. I definitely recommend this app.
  23. [R80] PayPal 5/5 · US LUZ: BIEN
  24. [R82] PayPal 1/5 · US Subpar: DO NOT USE PAYPAL. This is the third time I have used pay in 4. They approve it and charge your bank the down payment 3 times and hold the money for 3 days. They blame the vendor and say there is nothing they can do. Fraud. Stay away use any other payment system
  25. [R89] PayPal 5/5 · US Useful: Pretty good · translated
  26. [R4] Sezzle 2/5 · US Why? Just use Klarna: I don’t see why anyone would use this instead of Klarna.* *Don’t get “sezzled“ y’all ! Try Klarna or zip.
  27. [R31] Sezzle 1/5 · US Time to Delete: The last time I was able to place an order without having a subscription was in May. I think it was a terrible idea to now require subscriptions to use this app. I’m just going to delete and go over to Klarna and Zip.
  28. [R94] Affirm 5/5 · US Excellent!: I highly recommend Affirm. You can’t go wrong. I’m ready to dump my credit cards and just use affirm, honestly.
  29. [R100] Affirm 5/5 · US Comes in Handy: I enjoy using the app and like that it lets you choose your payment plan options. One thing that could make the app better is being able to select multiple orders to pay off together.
  30. [R102] Affirm 5/5 · US Buena opcion: Funciona tanto para ahorrar el dinero accesible de tu cuenta bancaria como para darle poder de crecimiento de credito .Siempre me ha funcionado , Affirm me ha dejado viajar varias veces y nunca me ha fallado en mis compras de viajes, escolares y/o personales. Ademas que con un pago minimo incrementa el poder de compra $$$. En mi casa amamos Affirm!
  31. [R106] Affirm 5/5 · US Very impressed: You cannot trust many or if any companies wth buy here pay here.. Until i used affirm this is a Great honest company i have used for ayear now and no funny business which is why i am provideing a positive review
  32. [R19] Sezzle 1/5 · US What happened?: Every online store I frequently use now comes with a monthly fee. No thanks. Keep your membership. This was a dumb move
  33. [R43] Sezzle 1/5 · US Rip off!: They make pay a subscription on top of getting approved! If you want to shop at common stores like Amazon or Target they charge you a premium! There are WAY better buy now pay later apps!! Go elsewhere where they are greedy here
  34. [R25] Sezzle 1/5 · US The worst: Charged me over 60.00 in fees on a 300.00 item. Avoid this company
  35. [R33] Sezzle 1/5 · US Luv6500: I really use to enjoy this app the Fees or outrageous with all these fees they make it hard and your account is messed up! If I am due for a payment today and you sent it through late payment, the day is not even over with your beating people people I don’t have money and never seen an app with so many fees you’re greedy and you want everything you can get if I knew this app was like thi
  36. [R35] Sezzle 1/5 · US Fees: Too many fees
  37. [R30] Sezzle 5/5 · US Best app: Love it, i pay the 20$ extra fee to be able to use anywhere even paid my car ins when needed. Higher spend amount then ithers comes in handy when needed!

Synthesized from 106 recent App Store reviews · updated July 2026 · View on the App Store