Competitor Sites & Alternatives (2025)

Sezzle is a buy now, pay later (BNPL) app that offers up to $15,000 in spending power. You can pay in two to four installments or opt for longer loan terms, from three to 48 months. It doesn’t charge interest, and there’s no hard credit check for the pay-in-2 or pay-in-4 plans.

But it charges a service fee that varies depending on the purchase price and product, and it may charge other fees as well. Plus, long-term payment plans typically require a hard credit inquiry, and interest rates can reach as high as 34.99%, which is worse than most credit cards.

Our 14 top picks for sites like Sezzle

If Sezzle isn’t the right fit for you, or you just want to explore more options, check out these other BNPL apps. Or, if you prefer cash to credit, we added some top cash advance apps to compare.

How does Sezzle compare?

Sezzle offers purchasing power up to $15,000, which is higher than many similar apps. It also allows you one free reschedule per order, and you may be eligible to reschedule other payments for a fee.

But it charges interest for its long-term repayment plans, and even its short-term plans typically come with service fees. Plus, its long-term plans may have rates as high as 34.99%.

Why choose a BNPL app

BNPL apps are a handy way to make purchases and spread the payments out over four installments. Most don’t charge interest, and they’re available at tons of stores, both on and offline. They’re typically easy to qualify for, and most don’t require a credit check.

But they don’t give you access to cash, and watch out for fees, which can really add up. Also, long-term BNPL plans can have rates up to 36%.

Why cash advance apps might be a good alternative

The biggest benefit of cash advance apps is the ability to get cash instead of using credit. This benefit makes it a more flexible option for people who need gas money or other essentials that can’t be paid for with a BNPL app. They’re also easy to get, with low requirements to qualify and no credit check. Plus, they don’t charge interest or late fees, and some apps are practically free if you can wait a day or two for the cash.

However, certain apps require a monthly subscription, and almost all charge for same-day transfers. And you typically have to repay the advance in full on your next payday, which could leave you short again.

Other alternatives

If neither a BNPL nor a cash advance app is the right fit, consider these alternatives.

• Personal loan. For more flexibility and potentially larger loan amounts, a personal loan might be a better fit.
• Bad credit loan. If your credit is less than ideal, consider these lenders that offer personal loans to borrowers with lower credit scores.
• Consolidation loan. Are you relying on apps because your credit cards are maxed out? Consider a debt consolidation loan to refinance high-interest debt at a lower rate and free up some cash.
• Introductory rate card. Take advantage of interest-free financing for up to a year or more if you qualify for a credit card with a 0% introductory rate.
• Save up. While it may not always be feasible, saving for major purchases rather than financing them can help you avoid overspending.

Frequently asked questions

Can you have multiple orders with Sezzle?

You can’t have more than two open orders with Sezzle premium brands. For non-premium merchants, you can only have one open order at a time.

How do companies like Sezzle decide how much I’m eligible for?

The criteria that determine how much you can spend may vary depending on the BNPL app. But typical factors that apps like Sezzle consider include your income, credit profile, your account usage and history with the app.

Do sites like Sezzle help me build credit?

Some can. For example, if you upgrade to Sezzle Up, the company reports your payments to the major credit bureaus, which can help you build credit or raise your credit score.

Lacey Stark is a freelance personal finance writer for Finder, specializing
in banking, loans, investing, estate planning, and more. She has 20
years of experience writing and editing for magazines, newspapers, and
online publications. A word nerd from childhood, Lacey officially got her
start reporting on live sporting events and moved on to cover topics
such as construction, technology, and travel before finding her niche in
personal finance. Originally from New England, she received her
bachelor’s degree from the University of Denver and completed a
postgraduate journalism program at Metropolitan State University also
in Denver. She currently lives in Chicagoland with her dog Chunk and
likes to read and play golf. See full bio