What is spending power?
This is the estimated amount you can spend with Sezzle. Your spending power is not guaranteed and may increase or decrease at any time. It may also vary depending on the store you are shopping at. Each order is approved on an individual basis and is determined at Sezzle checkout.
Our system considers various factors during the approval process, including how long you've been a Sezzle shopper, the information you provided at sign-up (soft credit check), and your order history with Sezzle.
Because our decisioning process systematically determines an individual's estimated spending power, we cannot share or increase spending power amounts or manually approve any orders.
How do I access my estimated spending power?
Set a debit card as the default payment method to view spending power at a specific merchant.
Click here to learn more about adding and changing payment methods.
Can Sezzle increase my estimated spending power?
No, we cannot manually increase your estimated spending power. Because of our unique approval process, we can provide our shoppers with a completely free service and no fixed spending power.
If you are looking to place an order but were declined due to insufficient credit, consider lowering the amount of your order or making payments on outstanding orders. Sezzle spending power is revisited regularly; your purchasing power can increase with positive repayment history.
Can spending power vary by merchant?
Yes. You can see your estimated spending power at each merchant within the Sezzle app. So, to increase your estimated spending power at a particular merchant, make a few payments on your open orders.
Please note that some payments, depending on the bank, credit union, or credit card issuer, may take longer than others to fully process. The processing timeframe begins the first full business day after the payment has been made. For example, if you made your payment after business hours on a Friday or over the weekend, your payment will begin processing on Monday.
Our system does not approve 100% of orders, and your order may be declined, even if the order amount is less than your estimated spending power, as Sezzle considers various factors during the approval process. Click here to learn more about potential order declines.