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Katapult | Shop & Lease to Own

Katapult | Shop & Lease to Own

Browse, shop, lease, and own.

27K ratings
413 reviews
💰 Finance
🛍️ Shopping
Free

Details

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

Features

Developer

Katapult Group Inc
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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 27K 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

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

9.9.6

July 6, 2026

Bug Fixes and Improvements

User reviews

Most RecentHighest RatedLowest Rated

I Change My Mind!

Wow!
Wow! Thank you!
Wow!
Jill Mc72Jill Mc72

Doesn’t work

I was approved for a substantial amount and when I try using the virtual card to purchase at Best Buy I keep getting a error code which is beyond annoying. I canceled the order 5 different times and re tried and still didn’t work. Customer service couldn’t help either. Very frustrating
Star BradyyStar Bradyy

I made a payment and than they again took out another payments

I made a payment than few hours later notice another same amount went out. So they deduct same amount again and when I check my account they only credit me for one payment but the other payment they took out was not credited.
kalv777kalv777

Payment arrangement

I made a payment with a different card than the one I wanted to save as my auto-pay card. The system switched my cards out anyways. I wanted to make sure payment could always go through with the card I had saved.
Mick intheyearofourlord2022Mick intheyearofourlord2022

navigating their App

had a hard time at checkout had to call several times & each person i spoke with told me something different need to make app easier to use at checkout
LJC1973!LJC1973!
See 408 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.