What is spending power?
This is the estimated amount you can spend with Sezzle. Your spending power is not a guaranteed amount, may increase or decrease at any time, and may 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 spending power, we cannot share or increase spending power amounts or manually approve any orders.
How do I know my spending power?
- All U.S. shoppers are able to access their spending power from the Sezzle mobile app.
- (Canada) Set a debit card as your Default Payment Method to view your Spending Power at a specific merchant.
Click here to learn more about adding and changing default payment methods.
Can Sezzle increase my spending power?
No, we cannot manually increase your 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 my spending power vary by merchant?
Yes, your spending power may vary by merchant. You can see your spending power at each merchant within the Sezzle app. So, to increase your spending power at a particular merchant, make a few payments on your open orders. Note that payments via ACH may take up to 4 business days, whereas cards are quicker. 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 spending power?
Even though you are not charged until you make the purchase, having an active purchase request directly impacts your 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. See How does a Virtual Card purchase request impact my spending power?
Purchase requests are in BETA. Because of this, merchant-specific spending power will not reflect active purchase requests. Our team is working to implement this soon. It’s best to keep your overall 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.