Sezzle
Sezzle offers a convenient buy-now-pay-later service with flexible payment options, but recent updates have introduced mandatory subscription fees and numerous technical issues, leading to widespread user frustration and a decline in satisfaction.
Sezzle is a buy-now-pay-later app that allows users to split purchases into manageable payments, with many appreciating its convenience and ability to help with finances. However, recent reviews highlight significant dissatisfaction due to new mandatory subscription fees, frequent app updates, and various technical problems including issues with spending limits, rewards, and customer service.
What users like
- Convenient for making purchases with payment plansR8R12R17R26
- Helps manage cash flow and financesR32R78R79R172
- Potential for spending limit increases with responsible useR17R32
- Offers features like virtual Visa card and cashbackR65R101R103
- Some users report good customer service for specific issuesR49R99
What users complain about
- Mandatory subscription fees are now required for many features, including using the app at popular stores or accessing the virtual Visa cardR4R6R7R15
- Users report inconsistent or sudden drops in available spending limits without clear reasonsR1R21R307R178
- Excessive and hidden fees, including late payment fees, processing fees, and fees for using debit cardsR3R10R11R16
- Frequent and mandatory app updates are annoying and disruptiveR29R111
- Numerous app bugs and technical issues, including login problems, inability to process payments, and issues with rewards pointsR5R9R14R18
- Customer service is often unresponsive, unhelpful, or difficult to reach, especially for disputes or account issuesR1R6R9R13
- Issues with refunds, including not receiving them or being given gift cards instead of moneyR13R27R43
- Unauthorized withdrawals or charges reported by some usersR40R41R60R72
- Rewards system changes have made it harder to earn points or use themR18R92
- Some users report being unable to use their Sezzle balance or Sezzle Spend despite having fundsR5R14R44R47
Latest update · v5.1.9
What the developer says changed (the verdict above weighs this against what reviewers report):
Cool new features, performance improvements and bug fixes to our app to provide you with a better shopping experience every time. Be sure to update or simply turn on automatic updates!
Recurring themes
Who it's for
Sezzle is for individuals who need a buy-now-pay-later option to manage cash flow and make purchases with flexible payment plans R8R32R172. It could be beneficial for those who consistently make payments on time and are looking to potentially increase their spending limit over time R17R32. It is NOT for users who are unwilling to pay monthly subscription fees for core functionality, those who expect seamless app performance, or individuals who rely on responsive customer service for issue resolution R4R6R13.
Evidence note: The recent reviews skew heavily negative (52.6% negative), which contrasts sharply with the lifetime rating of 4.87. This suggests a significant decline in user satisfaction following recent app changes, particularly the introduction of mandatory subscription fees and reported technical issues. The developer's notes mention 'bug fixes' and 'performance improvements,' but many recent reviews directly contradict these claims, reporting ongoing or new bugs and performance problems.
Frequently asked
Does Sezzle require a subscription fee?
Are there hidden fees with Sezzle?
Is Sezzle customer service helpful?
What reviewers actually said
Built only from these 120 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.
- [R8] Sezzle where have you been all my life!!!: Sezzle has made it convenient and easy for me to make purchases for my family without breaking the bank. As a single Mom with 3 daughters!! kudos to Sezzle you are the best!! Thank you sooo much!!!
- [R12] Incredible: I’m happy good deal to buy and pay later
- [R17] The best: I literally use this app for everything from building up my gold & silver savings, fixing and building my race car, emergency expenses. Its the greatest thing ever! You can split in 4 or 5 and they even go as far as giving you FREE reschedules if you happen to have a different expense in your due date. I highly recommend this app to anyone. They start you off at 300$ after about a year o
- [R26] Sezzle: Great way to get what you want on a payment plan
- [R32] LOVE SEZZLE: I absolutely love Sezzle! I’ve only had my account for a couple of months, and it has genuinely helped me manage my cash flow and finances. I started with $300 in purchasing power, and I’m already up to $600! I even received a $300 increase within a 10-day period, which was awesome. I use Sezzle regularly, but I’m careful not to overuse it, and I always make my payments on time or ea
- [R78] Comes in Handy: I was apprehensive when it came to using this service. However, it’s actually helped cover expenses and the payments have been manageable. What I enjoy the most is its ability to be used throughout various places and isn’t tied down to specific stores.
- [R79] A good help: I have to see this app help me out sometimes in the hard times you are a friend when you’re in need you, dear as long as you do the right thing thank you
- [R172] Thank you!: Thank you so much for Sezzle. This has how me to treat my family out to eat as well as put groceries in the home! This app is a life saver!
- [R65] Best app: Love it, i pay the 20$ 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!
- [R101] “All in one“: This app comes at all basically you can have a checking account direct deposit set up. You have cash back by now PayLater plus they’ll give you a Visa card that you can generate and pay for payments by now PayLater anywhere Visa is accepted. You can earn extra money, playing games, arcades taking surveys. There are tons of stuff that this app offers the everyday guy. I love it. Use i
- [R103] Still to new ;o): I love this so far; just used my virtual Visa for the first time and it is fantastic!
- [R49] 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
- [R99] customer service: i had an issue with an order and i opened a dispute and got a response within 24hrs on a friday night i just want to say nobody else has that type of service
- [R4] Paywall after paywall: I’ve had Sezzle for years now every store is stuck behind a paywall
- [R6] 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
- [R7] What happened?: Every online store I frequently use now comes with a monthly fee. No thanks. Keep your membership. This was a dumb move
- [R15] 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.
- [R1] 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.
- [R21] 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
- [R307] Spending limit: Spending limit went from 2100 down to 1300 with making all my payments before the due date good way to thank you for making payments on time
- [R178] My fav one but here’s why I said 3 stars: Number one if you so happen to not use it soo much they take your money you cannot save up on this app you have to CONSTANTLY use this it all the time to keep all your money which is a MAJOR let down !!!!! I literally had to use my 250 they took 100 because I wasn’t using it after I JUST WENT UP I LITERALLY JUST WENT UP !!!!!!! I’m finna stop using this ap
- [R3] 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
- [R10] Predatory Lender: So you try and make a payment with your debit card the very bank issued card you initiated the purchase with and find… there is a fee for that. Then you realize your being directed to link your actual bank account to avoid the fee; which not only do I strongly disagree with but my bank refuses to work with Plaid. So next you think I’ll add money to my sezzel balance and pay that
- [R11] The worst: Charged me over 60.00 in fees on a 300.00 item. Avoid this company
- [R16] 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
- [R29] Can you STOP updating: EVERY 2 days it feels like there is a mandatory update and it’s annoying
- [R111] Nice app, but CONSTANT, mandatory updates.: Having to update nearly every time I want to check my orders is incredibly annoying. Updates should at least be optional for a period of time so I’m not forced to update so frequently. Very very annoying. Otherwise, I really like the app. It’s easy to navigate and utilize, and I like the colors.
- [R5] 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.
- [R9] 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
- [R14] 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
- [R18] 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
- [R13] Customer service is terrible and takes forever to process payments: I used sezzle as a payment method at least 3 times. I made some returns on my very first order and I’m still waiting on my refund. I contacted customer support for clarification and the agent literally cut our conversation short without resolving the problem. Not only that, but they make you pay for their subscription to be able t
- [R27] No refund: I went to make a purchase and my order was canceled. Instead of a refund I was given a Best Buy gift card. I have no need for a Best Buy gift card. I want my money back 😢
- [R43] Professional Scammers: Made returns to store and was still getting charged like I still had the merchandise.
- [R40] Unauthorized withdrawal: Unauthorized withdrawal
- [R41] Scam: Worse than a credit Card Fees are high, you must deposit to their account so you can make a payment But if you are late they will charge a high fee, and place unauthorized transaction to your bank account, this app will drain your bank account, careful.
- [R60] Theives: My Wife used them spending under her $250 limit. She used my bank card to make a payment one time and unknown to her they saved the information . A few days later they took $4687.42 from my account and sent an itemized statement. I contacted my bank immediately however they told me the thing that could be done is to dispute it which would cause them to have to press charges on my wife
- [R72] TAKES UNAUTHORIZED FUNDS FROM ACCOUNTS: HORRIBLE ~ I FIRST THOUGHT THIS WAS GONNA BE GREAT HOWEVER, SEZZLE TOOK UNAUTHORIZED FUNDS FROM MY ACCOUNT. FIRST IT WAS SMALL AMOUNTS … WHICH I COMPLAINED TO THEM ABOUT, THEN WITHIN HOURS IT WAS FOR A LARGER AMOUNT. WHEN I NOTIFIED SEZZLE, I WAS TOLD TO BE PATIENT & WAIT. UHHH, NO!! Y’ALL TOOK MY FUNDS WITHOUT AUTHORIZATION, YOU CAN RETURN THOSE FUNDS IMMED
- [R92] 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.
- [R44] Stinks of Ill-Planned VC-Driven Development: Tap on Sezzle Points and you’re pushed through a slideshow, then to the Earn Sezzle Points page. Close that page, it takes you back to the slideshow, with no way to get back to your homepage without killing the app. Plus Sezzle will constantly spam you with notifications saying “you’ve received Sezzle Spend”, then keep you from actually using it by
- [R47] Fraud: Terrible company. Does not honor Sezzle cash, won’t let me pay the 12 dollars I owe without charging me fees on my debit card. I do not trust this company with my bank account information which they are insisting on for the 12 dollars. I can’t add it to my balance because they require you to add 30 dollars. Anyway you go about it you are being robbed.
- [R28] 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 .
- [R31] Account access LOST: I used them for a long time. Had an amazing track record with them and was able to increase my available balance. I lost access to my email account when I was laid off of my job and their tech team refuses to help me. Yet they continue attempting to charge me. I was dealing with the support team for several months and they would lead me to believe they can help and then de
- [R24] Awful company: I made a purchase through the vendor HOWOWOH and spent over $500 using Sezzle. I never received one item in my order and when I contacted the vendor, I never heard back. Since I finance with Sezzle and this is a vendor of theirs it is their responsibility to refund me my money. Even though I never received the order of Sezzle kept deducting the payments from my bank. Horrible Custom
- [R36] Terrible !!! Lies and no customer service what so ever!!! Earned a bunch of points and couldn't use: Don't do it!!! Wasted my time and money to get a bunch of Sezzle spend and points for nothing!!! No customer service and worst experience ever!!! Would not recommend
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store