# Katapult \| Shop & Lease to Own — Browse, shop, lease, and own.

> Lease-to-own service for purchasing items from various retailers over time. (iPhone/iPad app by Katapult.)

- Source: https://appshunter.io/ios/app/katapult-shop-and-lease-to-own/id1612074883 (this page in markdown: same URL + `.md`)
- Developer: [Katapult](https://appshunter.io/developer/1609474859)
- Category: Finance, Shopping
- Price: Free
- Rating: 4.80/5 from 27,864 App Store ratings · 420 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 27 MB
- Languages: American English
- Released: 2022-04-05
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/katapult-shop-and-lease-to-own/id1612074883/reviews.md

## What is Katapult | Shop & Lease to Own?

Katapult is a lease-to-own option that helps you shop now and pay over time. No credit is required and easy, flexible payment options means that you don’t have to stress about making those important purchases. Shop great deals now with 100+ retailers and apply for a Katapult lease today.  
How Katapult Works:
- Apply online or through our app 
- Shop supported retailers directly through the app
- Make purchases online using Katapult during checkout 
- Manage your leases and get help when you need it
- Get notified of upcoming payments 
- Make payments within the Katapult app 

Katapult allows you to lease-to-own the important items that you need now, without having to pay for them in full upfront.
 
With Katapult lease-to-own, you can take home up to $3,000 in must-have items such as furniture, electronics, home appliances, beds, mattresses, tires, and much more. Our lease-to-own option offers a fresh way to get the things you need. With Katapult, you have a lease purchase option that fits your life and there are no late fees … ever! 
 
Step 1: Visit the Katapult marketplace and choose where you want to shop from your favorite online retailers*.
 
Step 2: Take advantage of $300 to $3,000 in shopping strength.
 
Get pre-approved to know how much you can spend, or just begin adding qualifying products to your cart. You may then apply (if you haven't already), and if approved sign your agreement, and make your first payment.
 
Step 3: Use Katapult to check out. 

Select Katapult as the payment option in checkout. Start your lease-purchase application and once approved get the flexibility to pay over time, purchase early or even return your items. Katapult … a better way to pay. 
 
Katapult cannot be used for every transaction, only specified items are eligible. The browser extension for Katapult cannot be used to make in-store transactions.
 
The path to ownership will cost more than the merchant’s cash price.  Not available in MN, NJ, WI, WY. Depending on your state, the stated transaction is a rental-purchase deal (rent-to-own agreement, consumer rental-purchase agreement, or lease/lease-purchase agreement) with Katapult. It is not necessary to be an owner. You will not own the goods until you have paid in full the whole amount required to obtain ownership or you exercise your early purchase option. Payment amounts and rental terms may be found in your lease agreement.
 
The phrase "No Credit Option" indicates that this is not a credit, loan, or financing transaction. It does not indicate or suggest that no check into credit history or creditworthiness will be undertaken. We examine your application using numerous data points and routinely accept clients with less-than-perfect credit.

## Key features

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

## What do users think of Katapult | Shop & Lease to Own?

Overall sentiment: neutral

**Pros**

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

**Cons**

- 🐛 App issues and glitches
- 🔒 Security and privacy concerns
- 💰 High interest rates after 90 days
- 🤔 Confusing payment tracking
- 🤔 Limited store selection

**Commonly reported bugs**

- App freezing during checkout process
- Issues with payment method validation
- Inconsistent account information display

**Most requested features**

- Improved app stability and user experience
- More transparent payment and interest calculations
- Ability to update personal information easily
- Integration with more retail partners

## Recent user reviews (10 of 420)

All indexed reviews: https://appshunter.io/ios/app/katapult-shop-and-lease-to-own/id1612074883/reviews.md

### 5/5 — Great App

*2026-08-23, version 9.9.8*

I have used the services now 3 times. Twice for tires & once for a computer. It is a great app if you cannot afford to buy something in one lump sum. I have successfully paid off all of mine within the 90 day window and this is the best way to do it. For a small fee you can have your payments split up over 90 days without paying a large amount of interest. I will continue to use Katapult. 5⭐️

### 1/5 — Doesn’t work

*2026-08-10, version 9.9.7*

Tried using it in a couple online shops and the button to validate cart never works .. don’t waste your time it’s just a scam .. all these fake reviews are also a scam . It never lets you purchase anything even after supposedly getting a spending amount . Useless and a waste of time .

### 5/5 — Ok

*2026-08-05, version 9.9.6*

I love the app I wish it would approve more items

### 5/5 — Ease

*2026-08-03, version 9.9.6*

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

### 5/5 — Thank you!

*2026-08-03, version 9.9.6*

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.

### 1/5 — Broken app

*2026-07-26, version 9.9.6*

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.

### 4/5 — It helps

*2026-07-21, version 9.9.6*

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.

### 5/5 — I Change My Mind!

*2026-07-15, version 9.9.6*

Wow! 
Wow! Thank you!
Wow!

### 1/5 — Doesn’t work

*2026-07-12, version 9.9.6*

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

### 1/5 — I made a payment and than they again took out another payments

*2026-07-02, version 9.9.5*

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.

## Frequently asked questions about Katapult | Shop & Lease to Own

### 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.

## Version history (last 5 releases)

### 9.9.8 — 2026-08-11

Bug fixes and Improvements

### 9.9.7 — 2026-08-06

Bug fixes and Improvements

### 9.9.6 — 2026-07-06

Bug Fixes and Improvements

### 9.9.5 — 2026-06-09

Bug fixes and Improvements

### 9.9.4 — 2026-05-29

Bug fixes and Improvements

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*