Finance with Katapult

The traditional finance system alienates you: that’s why Katapult was created.

When you lease to own with Katapult, the purchasing power is in your hands. Katapult’s flexible payment options coordinate with your pay dates. So, you make payments when you get paid. And with our 90-day purchase option, you get a discount on early buyout, making what you lease, yours.

No credit, no problem.

Be approved for up to $3,500 – no credit required

All it takes is $45.

With just a payment of $45 at checkout, you enjoy your parts today.

We’re all about options

Make minimum payments over time, or buyout early and save

Pay when you get paid

Payment options coordinate with your pay dates

Get Pre-Approved


Frequently Asked Questions

What is Katapult?
We are the leader in the no credit required, lease to own space. Have bad credit? Don’t have credit history? Not an issue. We offer a simple, straight-forward lease to own payment option to help you acquire the products you want and need from our top retailer and merchant partners. These include electronics, appliances, furniture, automotive, musical instruments, and more.

What is lease to own?
We are glad you asked! 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.

In addition, you have several options to acquire ownership of the product you are leasing. A lease purchase agreement through Katapult offers flexibility that may make it more attractive than financing. With each payment, you have the option to continue leasing, buyout, or return your items.

Lease to own gives you the power to purchase what you need when you need it.

What information do I need to provide to Katapult?

  • A valid mobile phone number that can receive SMS text
  • A valid US address
  • A valid Social Security or Taxpayer ID Number (ITIN)
  • A valid email address
  • A valid credit or debit card to make payments (no prepaid or gift cards)
  • A valid photo ID showing you are 18 years of age or older

Getting pre-approved for a Katapult lease purchase agreement does NOT affect your credit score!

Who is eligible to apply for an Affirm loan?
Anyone over 18 years old may apply and may be approved, other requirements apply.

Why is it important to make Katapult payments on time?
Failure to make on-time payments could result in late fees and will impact your ability to get a Katapult lease in the future.

Will Katapult remind me to pay my bill?
Everyone is a little forgetful, so we try to help. Before each payment is due, we’ll send you a text message and an email regarding the payment date and the amount of your next lease to own payment.

How much does Katapult cost?
With Katapult, the power to save is in your hands. Katapult offers early payoff options to keep more money in your wallet. The sooner you payoff the more you save.

If life gets in the way and an early buyout is not an option for you right now, that’s okay, with Katapult you can continue to lease to own and make payments on a schedule that is convenient for you.

Visit the “Cost of ownership” page for more details.

Get Pre-Approved


See www.katapult.com/faq/ for more details.

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