Unlike traditional credit cards or lines of credit, our holistic approach to reviewing orders accounts for the amount of time you’ve been a Sezzle shopper, how many orders you’ve repaid on time, the total amount of open orders and your outstanding amount on open orders, as well as the total amount of your new order. Using these factors, we can determine whether you’re approved to shop with Sezzle at the time of checkout for next order. The longer you’ve been a Sezzle shopper and the more orders you’ve paid off on time, the more likely we are to approve you for future orders.


We also do have a limit in place to ensure we’re helping our customers shop responsibly. After all, our goal is to help you reach financial empowerment—not surmount a new pile of debt.