Note: This article is specific to orders placed using long-term financing.
If your order qualifies for long-term financing, you will be prompted at checkout to get prequalified or check your eligibility with one of Sezzle’s long-term financing options or partners (Ally, Bread, etc.). Not all who apply for long-term financing may receive credit terms. If you are declined, you may receive a notice within 30 days at the email address on file with your application that outlines the reason(s) for your denial. Additionally, you may not be eligible to apply for long-term financing for 90 days, depending on the long-term financing partner’s policies. After providing some additional information, the long-term financing partner offered will determine the flexible financing options you are prequalified for. While prequalification does not affect your credit, once you apply for your preferred loan, a hard credit check may be performed depending on the lender. Ally performs a hard credit check, while Bread does not at this time. You will then be asked to sign your loan agreement. After this, your order is complete! You will receive an order confirmation email from Sezzle and then a loan confirmation email from the long-term financing lender within two weeks. You will be able to see your long-term financing orders with Sezzle in your Sezzle dashboard, but all account actions will take place through your long-term financing account (Ally, Bread, etc.) directly. This will include making payments, updating your contact information, etc.
When your order is placed, our long-term financing partner pays the merchant in full immediately, so the merchant has their funds right away and is able to process your order as if you had paid them in full! The great news is that the merchant fulfills your order within their normal shipping and processing times.
All you have to do to get started is select Sezzle at checkout with a participating merchant and we’ll walk you through the rest of the process! Sezzle’s long-term financing options are only available for a select number of merchants at this time, but we will continue to add new merchants in the future, so keep a lookout for Sezzle’s long-term financing partners as you continue to shop with Sezzle!
Please note: Long-term financing options are only available to U.S. shoppers at this time.