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 know my estimated spending power?
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(US) Add a payment method
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(Canada) 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 while ACH processing typically takes four business days, smaller banks and credit unions may take longer to fully process payments. The processing timeframe begins the first full business day after the payment has been made. If you made your payment on a Friday or over the weekend, your payment will begin processing on Monday.
Does having active Virtual Card purchase requests impact my estimated spending power?
Even though you are not charged until you make the purchase, having an active purchase request directly impacts your estimated spending power. If you are attempting a purchase above your remaining spending power, check to see if you have any active, unused purchase requests and cancel them to free up your spending power.
Merchant-specific spending power may not reflect active purchase requests. Our team is working to implement this soon. It’s best to keep your overall estimated spending power and active purchase requests in mind when attempting a new Sezzle order.
Please note: 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.