Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Sezzle vs PayPal

Sezzle 4.9★ · Free to download 75
Winner Sezzle
PayPal 4.8★ · Free to download 65

Choose Sezzle for better user satisfaction and features related to payment flexibility.

Sezzle generally receives higher praise for its user-friendly features and flexibility in payment options compared to PayPal, which struggles with customer service and app reliability. While both apps have their issues, Sezzle's users express more satisfaction overall.

Head to head

features edge: SezzleR2R8R44R63
Sezzle Users appreciate Sezzle's ability to split payments and its flexibility in usage across various stores.
PayPal PayPal users often mention issues with functionality and limitations in the app compared to the website.
ease of use edge: SezzleR9R15R63R75
Sezzle Sezzle is noted for its straightforward payment plans, although some users mention app performance issues.
PayPal PayPal users frequently report slow app performance and difficulty navigating the interface.
reliability edge: PayPalR1R27R61R70
Sezzle Sezzle has users who report issues with account access and customer service.
PayPal PayPal users express frustration with customer service and unresolved issues, leading to a lack of trust.
price/value edge: PayPalR3R19R67R76
Sezzle Sezzle charges a $20 monthly fee for certain features, which some users find excessive.
PayPal PayPal does not have a subscription fee, but users often complain about hidden fees and transaction holds.
support tieR12R27R61R70
Sezzle Sezzle's customer service is often described as lacking, with many users expressing frustration.
PayPal PayPal users consistently report poor customer service experiences, often citing unhelpful automated responses.
Pick Sezzle if

you want a more flexible payment option and are okay with some subscription fees.

Pick PayPal if

you prefer a no-subscription service and are willing to deal with potential customer service issues.

Evidence note: While Sezzle has a higher lifetime rating and positive reviews, recent negative experiences with both apps highlight ongoing issues, particularly in customer service.

Frequently asked

Is Sezzle free to use?
Sezzle is free to download but charges a $20 monthly fee for certain features, while PayPal is free to use without subscription fees.

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. [R2] Sezzle 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!!!
  2. [R8] Sezzle 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
  3. [R44] Sezzle 5/5 · US 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.
  4. [R63] PayPal 3/5 · US App runs so slow: App runs so slow. It takes forever to bring up the home page and then trying to get to the screen to unlock it is horrible as well. My app is updated to the latest update. I’ve had PayPal over 10 years please fix this
  5. [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 !
  6. [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.
  7. [R75] PayPal 3/5 · US app: since last week i loved my pay pal now everytime i go to open my app it will not open i’ve done everything. I close the account like the account of my Facebook off my phone reinstall it shut my phone off to Noeville PayPal. I cannot get into anymore so I don’t like them.
  8. [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.
  9. [R27] Sezzle 2/5 · US 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
  10. [R61] PayPal 1/5 · US Terrified customer service: Absolutely terrible customer service they have nobody real you can talk to and everything is AI decision based. Do Not Trust them with your money
  11. [R70] PayPal 1/5 · US WORST CARD I HAVE EVER HAD NEVER GET IT: horrible app, horrible card, horrible company, horrible customer service, the absolute worst I have ever dealt with. DO NOT WASTE YOUR TIME OR MONEY THESE THIEVES WILL TAKE IT ALL.
  12. [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
  13. [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
  14. [R67] 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
  15. [R76] PayPal 1/5 · US No good: Every time i try to use this app they take so much money and now my money is stuck inside the app for 30 days this app sucks
  16. [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

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store