Pay-in-21 is an option offered at select checkouts to split a purchase into two payments: 50% down at the time of purchase and the remaining 50% two weeks later.
Why Pay-in-2?
Pay in 2 helps you build positive payment history, and if you opt in to Sezzle Up, the payments you make on these orders will be reported to credit bureaus to help build your credit history.
Pay in 2 may be presented at checkout alongside other payment plans, or when other Pay Later payment plans are unavailable for the following scenarios:
- You are attempting a purchase over your current estimated spending power. See, How do I know how much I can spend with Sezzle?
- The order is below the minimum order amount at the merchant. See, Is there a minimum to use Sezzle?
- You’ve reached the maximum number of open orders with the merchant or with Sezzle.
- You have a rescheduled payment.
If you prefer to Pay Later or are still having trouble with checkout, see common decline reasons here and how to solve them.
Why am I not shown a Pay-in-2 offer?
Pay-in-2 payment plans may not be available at all merchants and are often not shown on orders above $500. Some exceptions may apply depending on the merchant and other criteria, including but not limited to repayment activity.
1Pay Later loans are originated by WebBank or Sezzle. Refer to your loan agreement for lender information. For example, for a $300 Pay in 4 loan, you would make one $75 down payment today, then three $75 payments every two weeks for a 35.40% annual percentage rate (APR) and a total of payments of $305.99 which includes a $5.99 Service Fee (finance charge) charged at loan origination. Service fees vary and can range from $0 to $5.99 depending on the purchase price and Sezzle product. Actual fees are reflected in checkout.