What is Sezzle Up, the credit builder?

Sezzle Up is the buy now, pay later option that works with you to help build your credit. When you upgrade to Sezzle Up, you enable us to report your payment history to the credit bureaus. By making your payments on time, you can increase your credit score!

What are the benefits of upgrading to Sezzle Up?

When you upgrade to Sezzle Up you can enjoy these benefits:

1. Build your credit: always pay on time to build your credit score
2. See your Sezzle limit: spend up to your Sezzle limit and pay-in-four at our 44,000+ stores

We are here to guide you on your journey of financial empowerment. We offer guidance, support, and education as you improve your credit and increase the buying power you need to secure your future and shape your world.

How do I upgrade to Sezzle Up and start my credit journey?

Start your credit journey by following these 3 simple steps: 

1. Pay off one order: Pay off one order on time or early to qualify for Sezzle Up

2. Link your bank account: Connect your bank account or debit card as default for scheduled payments

3. Verify your account information: Enter your valid SSN/SIN and confirm your personal information

Common Questions

Why is Sezzle Up asking for my Social Security Number? (US only)

We collect a valid Social Security Number to verify your identity. This helps us to report your payment behavior to credit bureaus. On-time payments help to build your credit score.

How often does Sezzle increase limits?

Sezzle continuously evaluates your usage and payment behavior to see if you’re eligible for increases in your limit. You will typically see a credit limit increase within 30 days of paying off your first order, and thereafter depending on your responsible usage and payment behavior.

Why do I need to connect my bank account for payments?

Linking your bank account and setting it as your primary payment option for scheduled payments is required to join Sezzle Up. We’ve added this step as an extra layer of identification and security. 

Will I lose access to Sezzle Up if I do not continue paying by bank account?

Keep your bank account as your default payment method for scheduled payments. You will not lose access to Sezzle Up if you keep your bank account as default for scheduled payments but you may also use alternate payment methods to pay off orders. You can establish secondary payment methods any time by logging in to your dashboard and navigating to Settings > Payment Methods.

What if I no longer want to receive the benefits of Sezzle Up?

You will need to close your Sezzle account if you do not want to be reported.

I am a regular Sezzle user but I have not received communication to join Sezzle Up. How do I get Sezzle Up?

Sezzle Up is currently available to shoppers in the United States and Canada. Users will have the ability to join Sezzle Up once they’ve paid off one purchase on time or early, have linked a bank account and set it as their primary payment method, and have verified their valid Social Security Number.

Learn more about how Sezzle Up impacts your credit score:
-Help Article: How does Sezzle Up impact my credit