Up to $3,500
in Pre-Approval
No Credit Needed!

Fast, flexible shopping with zero surprises.
Get your approval decision in 5 seconds.

Apply Now

Over 25K reviews - 4.4/5.0

Fast & Simple Process
No Credit Check Required
Shop at 200+ Retailers
Flexible Payment Plans
Fast & Simple Process
No Credit Check Required
Shop at 200+ Retailers
Flexible Payment Plans

Fast & Simple Process
No Credit Check Required
Shop at 200+ Retailers
Flexible Payment Plans

No hassles, just highlights.

Katapult revolves around you. Pay over time, purchase anytime – that’s the plan.

Up to
$3500

In lease pre-approval based
on your individual plan

200+ Retailers

For everything on your wishlist—appliances, electronics, furniture, and more

5 Second Approval

Get an approval decision super fast

Zero
Surprises!

Never a late fee

Lease vs Credit

Lease VS Credit

Feature	Lease-to-Own	Traditional Credit
Approval	Approval decision in under 5 seconds, no hard credit check	Based on credit score, Based on credit score, often requires good/ excellent credit
Ownership	Start with a lease, Start with a lease, own it after completing payments	Own immediately, Own immediately, but owe a credit balance
Payment Flexibility	Pay over time, Pay over time, can buy out early anytime	Fixed monthly payments Fixed monthly payments until loan is paid off
Impact on Credit	Does not affect credit FICO score	Can affect credit utilization and score Can affect credit utilization and score
Fees & Interes	Transparent cost shown upfront	May include interest, late fees, or penalties May include interest, late fees, or penalties

Lease-to-own payments made easy.

Chose your plan, and pace. No hidden fees, no confusion. Payment schedules that fit your needs.

1

Purchase your leased items within 90 days and save the most.

2

After 90 days keep paying monthly or purchase leased items.

3

When your lease period ends, the items are yours to keep—no return or repurchase required.

Want more flexibility? If you change your mind, return items anytime without obligation. *90-day early purchase option (EPO) terms and conditions apply.

The Katapult buzz.

Read the reviews and shout-outs from the people who know Katapult best. Our customers have given us 4.4 stars out of 5 on Trustpilot.

Read reviews

“It was an easy and quick experience. Everything was spelled out up front and simple to understand. Customer service was great in answering all my questions and very professional. I’d recommend Katapult. Five stars!”

– Elisa

“Totally satisfied with the stress-free process and immediate approval from Katapult. Tremendous experience that was simple in getting what I needed.”

– Lance

“The payment options were clearly defined (no hidden fees or anything). The process to choose this financing was super fast (pretty much immediate). Payment options make this an affordable option. Highly recommend.”

– GF

Apply, shop, checkout. All done.

Apply online then use the Katapult App to shop at 100s of retailers. You'll make lease payments directly to Katapult.

Apply at a retail partner in store and take home your item immediately or apply online and get quick delivery. You'll make lease payments directly to Katapult.