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Updated July 2026 · real, multi-region App Store reviews
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Is it worth paying for

Sezzle

45
Value score / 100 Worth paying? No Skip it

Sezzle offers a convenient buy now, pay later service, but its recent shift to mandatory subscriptions and high fees for essential features makes it less appealing than competitors.

Free to download seen up to $1500 4.9★ lifetime (293,145) since 2019

Sezzle allows users to split purchases into payments, which many find helpful for managing finances and making necessary purchases R8R17. However, recent changes have introduced mandatory monthly subscription fees, often $13-$20, to access common stores like Amazon and Target, or even to use the service at all, leading to widespread user frustration R4R7R15R21. Many users also report excessive late and processing fees, inconsistent spending limits, and poor customer service.

Free vs paid

The free version of Sezzle, based on recent reviews, appears to be severely limited, with many common stores and even basic usage being put behind a paywall R4R7R15R25. Users report being unable to make purchases without a subscription, or being charged a monthly fee just to use the money R21R25. The paid tier, often referred to as 'Anywhere Pay' or 'Premium Membership', typically costs around $13-$20 per month R21R65R70. This subscription is required to use the virtual Visa card for purchases at many stores, including popular ones like Amazon and Target R25R70. While some paid users appreciate the ability to use it anywhere and higher spending limits R17R65, others find the premium offers 'bogus' and not worth the monthly fee R42. There are also complaints that even with a subscription, promised discounts or credits are not applied R57.

Value complaints

  • Many stores and basic usage are now behind a mandatory monthly subscription paywall, costing around $13-$20, which users find unreasonable.R4R7R15R21
  • Users report excessive and hidden fees, including late fees (up to $25), processing fees, and decline fees, often turning small payments into much larger ones.R3R10R11R16
  • There are complaints of fees for making payments with a debit card or adding money to the Sezzle balance, pushing users to link bank accounts.R10R47R51R52
  • The premium offers, such as gift cards or rewards, are often described as 'bogus' or not worth the monthly fee, sometimes with catches or not delivering promised discounts.R42R44R57R70
  • Spending limits can randomly drop without explanation, even for users with good payment history.R1R21R307R178

Where it delivers

  • Sezzle makes it convenient and easy to make purchases by splitting them into manageable payments, helping with cash flow and finances.R8R12R17R26
  • The app can help increase purchasing power for responsible users, with some reporting significant limit increases over time.R17R32R415
  • Some users appreciate the flexibility of free reschedules for payments and the ability to use a virtual Visa card for purchases anywhere.R17R65R76R103
  • The app offers features like earning points through games and surveys, which can be converted to gift cards or Sezzle Spend, and some users report credit reporting benefits.R18R22R49R101
  • Some users have experienced good customer service, with quick responses to disputes.R99
Worth paying if

It might be worth paying if you consistently need to split large purchases and find the increased spending limits and 'Anywhere Pay' feature genuinely beneficial for your specific needs, and you are confident you will avoid the reported high fees R17R65.

Skip / stay free if

You should skip paying for Sezzle if you are looking for a no-fee buy now, pay later service, as many competitors offer similar services without the mandatory monthly subscriptions R2R15R25. You should also skip if you are concerned about high, unexpected fees, inconsistent spending limits, or poor customer support R1R3R11R16.

Evidence note: The lifetime rating of 4.87/5 is significantly higher than what recent reviews suggest, which are heavily skewed negative, particularly regarding new subscription requirements and fees. The positive reviews often predate these changes or focus on the core 'buy now, pay later' functionality without addressing the monetization shifts.

Frequently asked

Does Sezzle require a subscription to use?
Yes, recent reviews indicate that Sezzle now requires a monthly subscription, often costing $13-$20, to use the service for many common stores like Amazon and Target, or even to make purchases at all R4R7R15R21.
Are there fees associated with using Sezzle?
Yes, users report numerous fees including late payment fees (which can be around $25), processing fees, and decline fees, which can significantly increase the total cost of a purchase R3R11R16. Some users also report fees for paying with a debit card or adding money to their Sezzle balance R10R47R51R52.
How does Sezzle compare to other buy now, pay later apps?
Many users suggest that competitors like Klarna, Zip, Afterpay, and Affirm offer better services, particularly because they don't have mandatory monthly subscription fees and may have better customer service R2R15R21R25.
Can I earn rewards or points with Sezzle?
Yes, Sezzle offers ways to earn points through playing games, taking surveys, and making purchases, which can sometimes be converted to gift cards or 'Sezzle Spend' R18R22R49R101. However, some users report issues with not receiving earned points or changes to the rewards system making it less generous R9R36.

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.

  1. [R4] 1/5 · US Paywall after paywall: I’ve had Sezzle for years now every store is stuck behind a paywall
  2. [R7] 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
  3. [R15] 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.
  4. [R21] 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
  5. [R3] 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
  6. [R10] 1/5 · US 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
  7. [R11] 1/5 · US The worst: Charged me over 60.00 in fees on a 300.00 item. Avoid this company
  8. [R16] 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
  9. [R47] 1/5 · US 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.
  10. [R51] 1/5 · US Was good now just dumb: Use your use it now they make you go threw hoops just to make a simple payment ,ridiculous charge for trying to pay
  11. [R52] 1/5 · US Worst ever: Pay system sucks. They first you to pay the extra $2 and make it so difficult to pay another way. It’s the worst system ever. Use another service this one is not user friendly at all. I will never use it again. So bummed in this payment system. Stealing my money. Never again Sezzle!
  12. [R42] 1/5 · US More like sleazy: Biggest scam I have seen in a while. Who is gonna pay $20 a month to get a one time use $20 Amazon gift card. They ask for a ton of info then sell it off. This is not a legit app and these people are not trying to create something to make life easier. You guys should be ashamed of the slop you threw together.
  13. [R44] 1/5 · US 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
  14. [R57] 1/5 · US Subscription based help: I placed an order with sezzle and saw the subscription offer for $2 for the first month and a $100 discount off of my order. This made my 5 payment only 3 payments which decreased with each payment! However, upon getting charged the 3rd payment at the same price of the first, I noticed they were charging me for the total amount of the original order. No $100 discount for t
  15. [R70] 1/5 · US A SCAM.: First off, you get an email saying that they’re giving you $60 credit to Amazon. Then when you log in and tap on Amazon it won’t allow you to access the website through Sezzle. Because in order to get you have to pay a $13.99 “premium membership” fee. That’s a complete scam because I can just use my web browser to go into Amazon. Reason Sezzle is doing a fee is because you’re basically bo
  16. [R1] 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 $2000 Sezzle found a way to restrict my account, now I can’t use it at all, and customer service is utterly pathetic.
  17. [R307] 3/5 · CA Spending limit: Spending limit went from 2100 down to 1300 with making all my payments before the due date good way to thank you for making payments on time
  18. [R178] 3/5 · US My fav one but here’s why I said 3 stars: Number one if you so happen to not use it soo much they take your money you cannot save up on this app you have to CONSTANTLY use this it all the time to keep all your money which is a MAJOR let down !!!!! I literally had to use my 250 they took 100 because I wasn’t using it after I JUST WENT UP I LITERALLY JUST WENT UP !!!!!!! I’m finna stop using this ap
  19. [R8] 5/5 · US Sezzle where have you been all my life!!!: Sezzle has made it convenient and easy for me to make purchases for my family without breaking the bank. As a single Mom with 3 daughters!! kudos to Sezzle you are the best!! Thank you sooo much!!!
  20. [R12] 5/5 · US Incredible: I’m happy good deal to buy and pay later
  21. [R17] 5/5 · US The best: I literally use this app for everything from building up my gold & silver savings, fixing and building my race car, emergency expenses. Its the greatest thing ever! You can split in 4 or 5 and they even go as far as giving you FREE reschedules if you happen to have a different expense in your due date. I highly recommend this app to anyone. They start you off at 300$ after about a year o
  22. [R26] 5/5 · US Sezzle: Great way to get what you want on a payment plan
  23. [R32] 5/5 · US 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
  24. [R415] 3/5 · CA Probably The Best: So far, they’re one of the easiest, and best companies to actually take chances on us with no questions asked! I kind of wish that the limit increases stick around longer as I could use that extra $50 to save on shipping… but beggars can’t be choosers, I suppose. Such is the cost of being low income. Still recommend Sezzle to anyone that needs things and can’t afford them, it’s
  25. [R65] 5/5 · US Best app: Love it, i pay the 20$ 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!
  26. [R76] 5/5 · US Love it: I enjoy that if you skip or move a payment there is not punishment! Thank you
  27. [R103] 4/5 · US Still to new ;o): I love this so far; just used my virtual Visa for the first time and it is fantastic!
  28. [R18] 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
  29. [R22] 5/5 · US Look The App: helps gain points for purchases
  30. [R49] 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
  31. [R101] 5/5 · US “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
  32. [R99] 5/5 · US 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
  33. [R2] 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.
  34. [R25] 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
  35. [R9] 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
  36. [R36] 1/5 · US 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