Wayfair Lease-to-Own Made Easy
Early purchase option available.*
Get all the items you want with Katapult’s no credit required lease-to-own program. Using Katapult at Wayfair is easy, just follow the steps below. If you have any issues we are here to help chat with us 24/7.
Add items to your cart and select Wayfair Financing as your payment option at checkout
Access your existing Wayfair account with the last four of your Social Security number (SSN)
Complete the Katapult login and to see your lease-purchase offer
Review and accept your lease agreement and payment terms and continue through the lease process
Make your initial payment, then continue to checkout. Your items will be processed and shipped right away from Wayfair
Make your payments over time to continue on your path to ownership. You can pay off your lease at any time. We even offer a 90-day payoff option for the cash price plus your initial payment*. The sooner you pay off, the more you save!
Payment Examples
$300 Lease*
$50
Per Month
3 WAYS TO PAY OFF YOUR LEASE
- 90-Day Early Purchase Option Cost – $360
- Mid-Lease Early Purchase Option Cost – $450
- Total Full-Term Cost of Ownership Cost – $645
Pay off your lease anytime during your lease term
Low monthly payments that align with your pay days
$700 Lease
$117
Per Month
3 WAYS TO PAY OFF YOUR LEASE
- 90-Day Early Purchase Option Cost – $780
- Mid-Lease Early Purchase Option Cost – $1200
- Total Full-Term Cost of Ownership Cost – $1445
Pay off your lease anytime during your lease term
Low monthly payments that align with your pay days
$1200 Lease
$200
Per Month
3 WAYS TO PAY OFF YOUR LEASE
- 90-Day Early Purchase Option Cost – $1305
- Mid-Lease Early Purchase Option Cost – $2025
- Total Full-Term Cost of Ownership Cost – $2445
Pay off your lease anytime during your lease term
Low monthly payments that align with your pay days
*Pricing may vary by state and does not include sales tax.
CA residents pay only the cash price if paid off within 3 months.
Katapult offers a 90-day early purchase option as the most cost-effective path to ownership. Purchase your Wayfair lease in the first 90 days for just the cash price plus 5%, $45* initial payment, and any applicable taxes and fees. No early payment penalties, just early payment options.
To exercise the 90-day early purchase options contact Katapult or log into the Customer Portal to find the most up-to-date account information related to your lease-purchase agreement.
This is an advertisement for Katapult’s lease-purchase or lease-to-own service. The path to ownership will cost more than the merchant’s cash price. Certain items available at participating locations. Not available in MN, NJ, WI, WY.
FAQ's
Katapult offers a simple, straight-forward lease-to-own financing option to help you get durable goods from top retailers, such as Wayfair, and pay over time.
Lease-to-own means that you make recurring payments for the use of the products you have selected. You have no long term obligation to continue leasing and can return the product to Katapult at any time with no further obligation other than for amounts past due.
Recently there was an update to the Wayfair Finance experience. After this upgrade, Affirm and Katapult were arranged in the Wayfair Financing Waterfall. You are correctly being delivered to Affirm as the correct finance option. You will not be able to use Katapult to checkout with Wayfair. You can use your approved Katapult limit with one of our other partner retailers. Please visit us at https://www.katapult.com/store-locator/.
- Make sure you are not using the “Wayfair App”. The Wayfair Finance option is not presented on the Mobile App platform.
- Make sure you have your items loaded into your cart. Having an empty cart will keep you from seeing the Wayfair Finance option.
- If on the Website, follow the steps below:
- Select proceed to Checkout
- Under “Payment Information” select “Pay as low as” – Wayfair Financing
Please ensure the address associated with your Wayfair profile and Katapult profile are the same. This includes the street name, number, and apartment. As in the example below, your Wayfair address would need the apartment number.
Example
Wayfair Address
123 Wayfair Ave.
New York, NY 12345
Katapult Address
123 Wayfair Ave.
Apt. 1
New York, NY 12345
If you need to confirm or update your Katapult profile, contact Katapult via Live Chat or by calling 833-KATAPULT. You can get to the Wayfair profile area by following the screenshots below:
This normally happens when an applicant is using a non-compatible payment method. You would need to use a credit/debit card that is linked to a physical bank.
You would not be able to use the following type of cards:
- Pre-paid (GreenDot, Chase Liquid, AMEX Serve, etc.)
- Foreign
- Reloadable
- Gift Cards
- Government Issued
- Local Credit Unions
Yes. Every time you create a new lease you would have to pay the initial payment. This would be considered a new lease with its own terms and pay dates.
No, discounts can not be applied when using the Katapult option. Any discounts or promos would need to be applied after purchase with a Wayfair representative.
Please ensure that you are not downloading the document. Please scroll to the bottom of the document inside of the Wayfair webpage. Once you have scrolled completely to the bottom, the “Agree” button should turn green.
** If this does not work, try launching Wayfair inside a Google Chrome browser on a desktop or laptop device. You can also try using Desktop mode on your mobile device.