How We Are Paid and How Lender Matching Works

We operate an online request form that connects people with lenders in our network offering personal loans of $500–$5,000. We are not a lender, do not make credit decisions and do not set any rate, fee or term.

People often find us after a Sezzle Application search, looking for a way to pay over time for furniture, electronics, appliances or other purchases. Our service is an alternative route: a personal loan request shared with lenders, not an application for any pay-in-4 app. More background is on our about us page.

Lenders in our network pay us marketing compensation, for example when they receive a request or when a loan is funded. You never pay us a fee, and you are under no obligation to accept any offer.

• Compensation can affect which lenders receive your request and the order in which offers are shown.
• Compensation does not affect a lender’s credit decision, which each lender makes on its own.
• Compensation does not influence what our editors write; lenders cannot pay for coverage or a better rating in our guides.
• Our network does not include every lender or every offer available, so you may find different terms elsewhere.

Requests are matched using the details you provide, such as state, amount, income and credit profile, together with each lender’s own criteria and the compensation arrangements we have with lenders in our network.

• Your state: lenders only receive requests from states where they are permitted to lend.
• Amount and purpose: some lenders focus on smaller amounts, others on larger ones.
• Income and credit profile: each lender sets minimums for income, credit history and debt-to-income ratio.
• Lender capacity: lenders can pause or limit the number of requests they accept at any time.

Because matching depends on these factors, two people asking for the same amount may see different lenders, or none at all. A lender may take you to its own site to finish its application, where its terms and privacy policy apply.

Lenders in our network may offer APRs from about 5.99% to 35.99% on terms of 3 to 36 months (estimate). Your actual APR, fees and term are set by the lender and depend on credit, income, state and amount.

• Some lenders charge an origination fee of 0%–8% of the loan amount (estimate), which may be deducted from the funds you receive.
• Late payments may lead to late fees, collection activity and negative reporting to credit bureaus.
• Funding is often the next business day after approval, depending on the lender and your bank (estimate).
• Lenders must show the APR, finance charge and total of payments before you sign; read those disclosures carefully.

See our APR estimates by credit tier for more detail on how credit affects pricing.

Lender availability, loan amounts and maximum rates vary by state, and some lenders do not serve every state. You generally must be 18 or older (19 in Alabama and Nebraska), a US resident, with income and a checking account.

State laws can cap rates, limit amounts or restrict certain loan types, so the options shown to you depend on where you live. Our eligibility guide lists what lenders in our network usually ask for.

Submitting a request does not guarantee that any lender will make an offer, approve a loan, or provide a particular amount, rate or term. Each lender reviews requests by its own standards and may decline.

Lenders may check your credit with a soft inquiry, which does not affect your score, or a hard inquiry, which can. Estimates on our site are examples meant to help you plan; they are not offers of credit.

We are not affiliated with, endorsed by or sponsored by Sezzle Inc., and our request form is not a Sezzle Application. Brand names appear on our site only to describe and compare pay-over-time options.

The same applies to other buy now, pay later brands and lenders we mention, such as Affirm, Klarna, Afterpay, Zip and Splitit, and the companies on our lender and pay-later app comparison. Naming a company does not mean it is in our network or has reviewed our content. All trademarks belong to their owners.

If you want to use Sezzle or another pay-later app, sign up through that company’s own app or website and check the provider’s current terms.