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Katapult | Shop & Lease to Own

Katapult | Shop & Lease to Own

Browse, shop, lease, and own.

28K ratings
417 reviews
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • April 5, 2022
  • August 6, 2026

Features

Developer

Katapult
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About

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

✓Lease-to-own purchases
✓No credit required
✓Flexible payment options
✓Shop 100+ retailers
✓Manage leases and payments
✓Get pre-approved for spending limit
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What users say

Summarized from real user reviews of Katapult | Shop & Lease to Own. Based on 28K reviews and a 4.8/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Easy financing
  • 💡90-day early buyout option
  • 👍Friendly customer service
  • 🚀Quick approval process
  • 👍Convenient payment options

Negative things

  • 🐛App issues and glitches
  • 🔒Security and privacy concerns
  • 💰High interest rates after 90 days
  • 🤔Confusing payment tracking
  • 🤔Limited store selection
See all reviews
+1

What's New in Katapult | Shop & Lease to Own

9.9.7

August 6, 2026

Bug fixes and Improvements

User reviews

Most RecentHighest RatedLowest Rated

Ease

Katapult helped me when i really needed it. They made this journey very easy for me. I can’t thank them enough
texas one legtexas one leg

Thank you!

Katapult has given me a second chance that I desperately needed. My old phone could only text message and I am a father of 2 special needs children so I desperately needed to buy a new phone which Katapult gave me the opportunity to buy a new phone.
TimeakinTimeakin

Broken app

I can’t speak to the actual service, as I never got to the point of doing business with them. I can say that the app is horribly broken. I was preapproved for a set amount and went to use a portion of it. The issues start when their automated system decides what items you are buying that qualify as leasable. It’s all over the board. It will say an item isn’t leasable, even when it should be, but it will approve items that clearly should not be leasable. Then it will “change its mind” based on if another item is still in the cart or not. After that all finally gets sorted out (one way or another), I went to pay, but was told I was suddenly not approved. I went through the process again, and less than two minutes later it gave me a lease contract. I decided last minute to change some items in my cart, so went through that process again, which is painfully broken, only to be told yet again I was suddenly not approved. At that point I just gave up. May be ok if you are in a pinch and can get it to work, but as it stands the app is too horribly broken to even consider giving them my business.
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Flummoxed1Flummoxed1

Response from developer

Hello, Flummoxed1, Thank you for contacting Katapult. If you are available, we would like to partner with you to speak in further detail about your experience and how we can better improve. If additional assistance is still needed, please visit our chat support at Katapult.com, or contact us today at (833)-KATAPULT (528-2785). Thank You, Katapult Customer Relations

It helps

I don’t have the greatest credit but I don’t have bad credit either. I have always paid for everything using cash. So it’s nice to have a company give me a chance. They let me get a $3,000 set of tires for my truck. The only other option I had would’ve been to buy some junk tires off of eBay that I would have had to replace every year. I had a few problems navigating the website and called customer service and they were awesome. Not only were they very helpful but I could actually understand what they were saying. I’m not trying to sound racist because I am not but at the same time I can’t stand calling a company’s customer service and trying to understand what someone from India is saying let alone getting the problem resolved. I have the option of paying off the total amount within three months and then I don’t even have to pay interest. I’m assuming that it should help me build credit too.
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Tim6178Tim6178

Response from developer

Hello, Tim6178, Thank you for contacting Katapult. We appreciate the time you took to share your feedback. We value your business, and it is important to us each interaction leaves you feeling as so! Feel free to contact us via our chat service online at www.katapult.com; or at (833)-KATAPULT (528-2785), if you wish to speak with a live agent. Thank You, Katapult Customer Relations

I Change My Mind!

Wow!
Wow! Thank you!
Wow!
Jill Mc72Jill Mc72
See 412 more reviews

User experience

🐞

Reported Bugs

3 issues

App freezing during checkout process

Bug

Issues with payment method validation

Bug

Inconsistent account information display

Bug
✨

Requested Features

4 requests

Improved app stability and user experience

Feature

More transparent payment and interest calculations

Feature

Ability to update personal information easily

Feature

Integration with more retail partners

Feature

FAQ

What is Katapult?

Katapult is a lease-to-own service that allows you to shop for items from over 100 retailers and pay for them over time. It offers a flexible way to acquire necessary goods like furniture, electronics, and appliances without requiring traditional credit or paying the full amount upfront.

How does Katapult work?

You can apply online or through the app, then shop supported retailers directly within the app. When checking out, select Katapult as your payment option. Once approved, you can sign your agreement and make your first payment, with options to pay over time, purchase early, or return items.

Does Katapult require a credit check?

Katapult does not require traditional credit. While they examine applications using numerous data points, they routinely accept clients with less-than-perfect credit history, making it an accessible option for many.

What kind of items can I lease with Katapult?

You can lease a variety of essential items, including furniture, electronics, home appliances, beds, mattresses, and tires. The service allows you to take home up to $3,000 in must-have items, though not every transaction or item is eligible.

What are the costs associated with Katapult?

The path to ownership with Katapult will cost more than the merchant's cash price. Specific payment amounts and rental terms are detailed in your lease agreement. There are no late fees ever, and you have the option to purchase early or return items.