Hey there! If you‘re wondering whether you can use Sezzle to finance purchases on Amazon, the short answer is no, Amazon does not directly accept Sezzle as a payment method in 2024.
But don‘t worry – you still have options for leveraging Sezzle and other "buy now, pay later" services to shop on Amazon. I‘ll explain the workarounds plus give you the rundown on Amazon‘s finance policies.
Let‘s dive in!
Who Accepts the Sezzle Virtual Card?
While Amazon itself doesn‘t take Sezzle yet, the Sezzle virtual card can be used at many other popular online and brick-and-mortar retailers.
Sezzle‘s virtual card works just like any Visa credit or debit card, allowing you to tap & pay or check out online up to your Sezzle spending limit.
Some of the biggest stores accepting the Sezzle virtual card include:
- Target
- Walmart
- Best Buy
- Nordstrom
- Urban Outfitters
- Forever 21
- Dillard‘s
- Macy‘s
- Kohl‘s
- Old Navy
Sezzle can also be used at specialty retailers like:
- ASOS – Online fashion
- Lululemon – Athleisure wear
- Fashion Nova – Women‘s clothing
- Adidas – Shoes & apparel
- Nike – Shoes & apparel
- Ulta – Cosmetics & beauty
- Sephora – Cosmetics & beauty
And many more stores – Sezzle is accepted at over 44,000 online merchants!
The key is that while Amazon doesn‘t take Sezzle directly, you can use Sezzle funds at major retailers that Amazon competes with. Then, simply use the items or gift cards purchased to ultimately shop on Amazon. Pretty clever!
Can I Use Sezzle at Target?
One of my favorite places to use Sezzle is Target. They accept Sezzle both online and in-store, which makes getting everything I need super convenient.
When I order on Target.com and choose Sezzle at checkout, it splits my purchase into 4 interest-free payments – 25% as a down payment, then 3 installments every 2 weeks.
If I‘m shopping in person at Target, I can tap to pay with my Sezzle virtual card right on my phone! It works just like a credit card, except the cost gets divided into those same 4 automatic payments.
I love using Sezzle this way to finance bigger Target purchases over time like furniture, electronics, appliances, and more.
The Benefits of Sezzle for Shoppers
What makes "buy now, pay later" services like Sezzle appealing compared to credit cards or other financing? There are some nice perks:
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0% interest – No interest fees as long as I pay on schedule every 2 weeks.
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Pay over time – Breaking up costs into 4 installments makes larger purchases more affordable for me.
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No credit impact – Sezzle only does a soft credit check that doesn‘t hurt my score.
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Use anywhere – I can tap & pay with the Sezzle card at millions of stores online and in person.
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Instant spending limit increase – My Sezzle limit can go up right away with on-time payments.
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No hidden fees – Sezzle is totally transparent about what I‘ll pay.
I really like having the flexibility to finance purchases interest-free and pay gradually with Sezzle. It allows me to get items I want without going into debt.
The Growing "Buy Now, Pay Later" Trend
Sezzle is part of a booming interest-free financing trend. According to data from Credit Karma, the number of consumers using buy now, pay later services has tripled from 2020 to 2021.
And a Morning Consult survey found:
- 15% of US adults have used BNPL services
- 60% of BNPL users are under age 45
- Average order value is 2x higher with BNPL vs. credit cards
With younger shoppers favoring flexible financing over traditional credit, it‘s clear why Sezzle and platforms like it are gaining popularity.
What Financing Options Does Amazon Accept?
Now that I‘ve covered the perks of Sezzle, what buy now, pay later or financing options does Amazon directly integrate? Here are a few:
Affirm
Affirm is the largest BNPL provider that Amazon accepts at checkout. However, there are some limitations:
- Only available for purchases $50+
- Requires approval based on soft credit check
- Interest rates from 0-30% based on your credit
So Affirm provides a way to finance eligible Amazon purchases but isn‘t completely interest-free.
Amazon Store Card
The Amazon Store Card offered through Synchrony Bank lets Prime members pay for Amazon orders in installments. But interest rates are ~28% APR.
Amazon Secured Card
With the Amazon Secured Card, you put down a refundable deposit and get 1-2% cash back on purchases. But again, interest rates are high at ~28% APR.
Amazon Business Line of Credit
Amazon Business Line of Credit offers 0% APR financing for 90 days on transactions over $500 for business accounts, up to $1 million.
So in summary, Amazon does directly integrate some financing options but with limitations compared to flexible BNPL platforms.
PayPal Credit – An Alternative Financing Option
While not technically a BNPL provider, PayPal Credit is accepted by Amazon and offers 6 months special financing on purchases $99+ for qualified customers.
No interest if paid in full within 6 months. However, interest rates are high if not fully paid – around 24.99% Variable APR.
I personally use PayPal Credit occasionally for larger Amazon purchases when I want a bit more time to pay. Just another option if you don‘t qualify for other plans.
Comparing Top Buy Now, Pay Later Services
Let‘s do a quick overview comparing key BNPL platforms:
| Provider | Key Features |
|---|---|
| Sezzle | 0% interest always, no credit check, no fees |
| Afterpay | 0% interest always, no credit check, no fees |
| Affirm | 0% interest on 3-12 month terms, soft credit check, interest fees may apply |
| Klarna | 0% interest on 4 payments, soft credit check, interest fees may apply |
| PayPal Credit | 0% interest for 6 months with fee, high interest rates |
While Sezzle and Afterpay are completely 0% interest and fee-free, Affirm and Klarna offer longer repayment terms but do charge interest in some cases. PayPal Credit is somewhere in between.
I personally prefer Sezzle because it‘s totally transparent – I know I‘ll never pay interest or hidden fees. But weigh the pros and cons of each to pick what fits your needs.
Using BNPL Services to Shop on Amazon
While Amazon doesn‘t directly accept Sezzle or some other BNPL platforms yet, you have options as a savvy shopper. Here are the workarounds:
Use virtual card at other retailers – Tap & pay with your Sezzle or Afterpay virtual card at stores like Target to purchase items or Amazon gift cards.
Purchase Amazon gift cards – Buy an eGift card at BNPL-friendly stores like Target or Whole Foods to use on Amazon.
Use Klarna app – Make purchases on the Klarna app at stores including Amazon, then pay in 4 installments.
Pay with Affirm – If offered at checkout for orders $50+, choose Affirm to finance eligible Amazon purchases.
Consider PayPal Credit – Provides 6 months special financing for Amazon orders $99+ with no interest if paid in full.
With a little strategic thinking, you can absolutely use "pay later" services to finance the items you want from Amazon!
Weighing the Pros and Cons of BNPL Services
Before embracing buy now, pay later options, it‘s smart to consider both the advantages and potential drawbacks:
Pros
- Zero or low interest rates
- More flexible payment options
- Pre-qualification with soft/no credit check
- Accessible to those with limited credit
- Promotes responsible spending habits
- Items available immediately with payments later
- Builds credit history when used properly
Cons
- Can overspend without realizing total cost
- Late fees if payments missed
- Virtual card limits flexibility of in-person purchases
- Not accepted everywhere like Visa/MasterCard
- Requires careful budgeting to avoid debt traps
The bottom line is BNPL services can be great tools if used responsibly. Have a plan to pay each installment on time and don‘t overextend your finances. Used wisely, they provide affordable flexible financing.
Final Take – Yes, You Can Use "Buy Now, Pay Later" on Amazon!
So in summary:
- Amazon does not directly accept Sezzle or some other BNPL platforms currently
- But the virtual cards can be used at Amazon-rival retailers for purchases and gift cards
- Other options like Affirm or PayPal Credit are available at Amazon checkout
- To shop pay later on Amazon, get creative and compare your choices!
With strategic workarounds, you absolutely can leverage BNPL services like Sezzle to finance Amazon orders. Hopefully this guide gave you ideas on how to make interest-free installment payments work for your shopping needs! Let me know if any other questions come up.
