When I bought my prom dress, $300 was a few months worth of my part-time, after-school Walmart paychecks. Luckily, the store that $300 dress I loved was from, had this old-fashioned thing called layaway.
That meant, I put a small deposit down and they put it away for me to pick up when I had the rest of the cash. As long as I made a payment every few weeks or so (I honestly can’t remember the timeline, this was so long ago the bodice of the dress was silver under white lace. Yes, you read that right) they held it for me. If I had missed a payment, I would have lost the cash and the dress.
Oh man, what early 2000’s masterpiece of silver and pouf I could have bought if there had been such a thing as Sezzle back then! *Shudder*
Gasp! What a fancy cloth diaper stash I could have bought if they’d had it just a few years ago!
Is Cloth Diaper Layaway a Thing?
One of the big obstacles to cloth diapering is the fact that all of the cost is upfront. While you can save thousands of dollars over the lifespan of your cloth diapers, you have to buy them all first, and they are not inexpensive (especially for the good ones).
Layaway may be a thing of the past in our credit-heavy times, but there are new payment options beginning to spring up now that are all the rage for cloth diapers because they help with this frontloaded-cost problem. One of them, Sezzle, is making a big splash in the cloth space right now, so I thought it might be helpful to look into it a little and give you a current list of cloth diaper retailers that have Sezzle as a payment option.
Just a note that Sezzle did NOT sponsor this post in any way, or offer me any incentives to write it. It’s just a hot topic in the community right now, and so I wanted to provide information to Cloth Diapers for Beginners readers.
What is Sezzle?
Sezzle is a payment option that lets you buy anything you want at a participating retailer, and pay for it in small, interest-free installment plans. The total cost of your purchase is broken into smaller payments, spread over at least six weeks. As little as 25% is due at the time of the purchase, with the remaining amount spread out over equal installments (typically three), each two weeks apart.
The nice thing is that no interest or processing fees are charged to you – as long as you pay everything off on time, you only pay for what you ordered!
How Does Sezzle Work?
You have to sign up for Sezzle for it to work.
When you’re shopping, you just put everything in your cart, and then once you’re ready to check out, select Sezzle as your payment method.
Returning customers need to log in, and new customers will need to create an account. After you’re approved and you complete checkout, the merchant will ship your products just like they would with any other payment method. You’ll be notified at checkout what sort of payment plan you’re approved for, including how much is due upfront and when the next payments are due.
It’s important to note that your purchase may not always be approved. There are some situations where they may not approve your order, including:
- Insufficient funds. Typically, you need at least 25% of the total order cost available at the time the order is placed.
- Length of time using Sezzle. There are some restrictions during the first six weeks.
- The overall amount outstanding on previous orders and the number of orders still open. If there are multiple orders with outstanding payments, and/or a majority is still outstanding on a previous order, you may need to pay those to increase your likelihood of approval.
- The overall value of your new order is too high.
- Not enough payment methods linked to your account. They say that, “Adding another debit card or a credit card can help us better understand your repayment ability, which can help get orders approved!”
What Makes Sezzle than Paying By Credit Card?
Simple, no interest and no fees. Stores and online merchants are the ones paying the fees to Sezzle so that they can offer you the payment option, hoping for increased sales.
Who Can Use Sezzle?
To use Sezzle, you must be 18 years or older (19 years or older in Alabama or if you are a ward of the state and live in Nebraska) and have a valid U.S. or Canadian mobile number and email address.
If you’re worried about credit checks, don’t worry! Sezzle doesn’t qualify as a credit product per United States regulations (Reg Z), so there is no “hard credit check” processed.
When Do I Make the First Payment?
The first payment is due at the time of checkout. When you checkout you’ll be told exactly how much will be charged. Typically it’s 25% of the total order cost.
How Do I Sign Up?
Genuinely interested in this new payment process, I decided to sign up the day I wrote this article, to let you know what it was like. All-in-all, it was pretty quick and easy.
Here’s what I had to do to sign up:
1. Go to Sezzle.com and click sign up in the top right corner.
2. Click shopper sign up.
3. Enter all your details and choose a PIN. A verification code will be sent to your phone.
4. After you verify the code, you’ll need to put your billing address in.
4. Once all that’s done they take you to your “dashboard,” which is just a list of retailers, but don’t be fooled, your sign up isn’t done yet. Click on the bell and you’ll see you still have to add a credit or debit card to your account and verify your email address.
5. Verify your email address by going to your inbox, opening the email Sezzle sent you and clicking the link.
6. To add a card click the button that says to provide a default payment to your Sezzle account and enter your card information.
That’s it. You’re all ready to go at that point, and can shop away.
Is Sezzle Secure?
According to the Sezzle site, “our security is of utmost importance to us, which is why we undergo quarterly scans and yearly audits to ensure your data is safely stored in our systems – and to maintain compliance at the highest level in the Payment Card Industry (PCI): PCI Level 1.”
What Cloth Diaper Retailers Offer Sezzle?
Here’s a quick list of cloth diaper retailers (in alphabetical order) that offer Sezzle (if you know of another one, let me know):
Please note that some links in this post are affiliate links and I will receive a small commission if you make a qualifying purchase through one of those links (at no additional cost to you).
Read the full disclosure.