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Katapult has reimagined lease-to-own for the better, with lease-purchase plans designed just for you. There’s no credit required, no surprises, and never a late fee, ever. Katapult’s technology looks beyond credit scores to understand your journey, opening up new purchasing power. Apply for a Katapult plan now, and in minutes you could be shopping for the essentials you need in-person, online, or with Katapult’s app. It’s your path from “need” to “own.”


Lease to own opens up paths to ownership by enabling recurring payments toward owning goods outright. 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.

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


  • Real purchasing power. Up to $3,500 in lease pre-approval, based on your individual plan.
  • Fast approval. Get a decision in 5 seconds or less.
  • Zero surprises. Total transparency. Never a late fee–ever.
  • No credit required. Our AI looks deeper to understand your journey.
  • Hyper-flexible purchase plans. Pay over time, purchase anytime.
  • Help when you need it. Award-winning customer service, with 4.4 stars out of 5 on Trust Pilot.


  • Go shopping online.
  • Select Katapult financing on checkout page.
  • Apply, verify identity and payment info.
  • Receive an instant decision.
  • Review and submit your order.
  • Look for a welcome email from Katapult.