Name: Katapult | Shop & Lease to Own
Rating: 4.81201 (10229 reviews)

User Reviews for Katapult | Shop & Lease to Own

4.81 out of 5

10.2K Ratings

6 months ago, CupKakeKoda

Easy Financing, Great Support

So far loving this service! It’s extremely helpful for those who don’t have a very considerable income but still want to make sizable purchases. As with any leasing or credit, responsibility is key. The 90 day early buyout option lets you buy out your lease for hardly any additional fees or interest, making sure that’s paid off before the 90 days is key. Be mindful of your spending limits and make sure you can afford that option! Their autopay feature was easy to set up and gave me ease of mind knowing my purchase was being taken care of. I had to reach out to customer support, but man they exceeded my expectations. Some of the best client care I’ve seen. If anyone from Katapult reading this has the authority, please give Chanel from customer support some props and a raise!

10 months ago, TJG-75

Great with 90 day payoff period.

I just recently filed bankruptcy not too long ago (give or take 3-4 months finalized) and they’ve been one of the only financing companies to give me a chance with financing options. If you budget right for what you order the 90 days pay off is great because it’s interest free. BUT if you don’t pay off the money loaned in time, even with 1 dollar left, you will get hit with the interest rate for said loan. Its nearly double of your product you purchased. It could be less given your credit score but that’s how it was with me. One other thing, if you miss a couple payments they hit you a “late fee” but they do tack it back onto your existing line of credit (not the product itself in which you have your 90 day payoff option). It’s not a horrible deal but until you payoff that extra money from missing a payment or two, you can’t reapply for another loan. All in all I’d give this financing company a 4.5/5. If you understand what you’re getting yourself into with the high interest rates and your interest hitting after your 90 payoff option, I’d recommend this to someone trying to build their credit back up with a company that’s willing to take a chance with you.

3 weeks ago, Not2Happy😥

What A Great Service ( I thought )

I’ve been using this app for more then a year. Getting new things I’ve needed after a bad stint of luck leaving my credit in the whole. Kept paying everything off before my 90 days to pay it off without the crazy interest. Everything I’ve purchased which has been a lot of stuff maybe 10 larger purchases in the last 15 months paid ON TIME PAID OFF NO PROBLEM! All while getting a larger and larger line of credit….. Until today I go to make a purchase, says I’m approved for 1200 (which I’ve used 2 times now to the fullest and paid in a timely and early manner) only wanted to use 400 of it. It says I’ve been denied ( no reasons why) and can’t apply to use at all for 30 days! I’m assuming bc I’ve paid everything EARLY to avoid the extra interest (that mind you IT OFFERS AND ENCOURAGED) they aren’t making lick off me so they don’t want my business! Gosh that just PeeD Me Off and after speaking so highly and send so much business this way! Shame. Thought I found a great needed service. But it’s another illusion

4 months ago, vintage-girl86

USELESS APP, USELESS CUSTOMER SERVICE!!!

This app is the knitted condom of shopping/leasing apps. It’s beyond useless, you cannot use it to check out because it’s either stuck “Validating” or gives you some bogus error - like the items aren’t leasable when in fact they are on the list of allowed items. If you reach out to the equally useless customer service they avoid your actual questions and just tell me that I don’t have a current approval but when I log in it says I’m approved for like $2400. But NO per customer service the error I’m getting is because I need to get an updated approval. I ALREADY HAVE THE SAME APPROVAL! Like for real I’ve used Katapult several times on Wayfair and it works great. Try to use it anywhere else via their stupid app and it doesn’t work. LITERALLY KATAPULT WHY DO YOU EVEN LIST OTHER STORES WHEN YOU GUYS ONLY WORK WITH WAYFAIR??? I am so angry at this app I could write sonnets about how much I hate it and how complete and utterly useless it is. Save your sanity use a different service if possible, or just use it on Wayfair? I have to go do karate on the lawn now to calm down. Ugh!

7 months ago, Jon@$ A

Grateful indeed

I would recommend Katapult to anyone and everyone out there looking to make a more than normal size purchase but just don’t have the extra cash laying around to pay it all at once. Whatever it may be, these guys can help you, they work with so many company’s to get you what you need. My favorite part is the 90-day early pay off option which saves you a ton of interest charges. Just make ur payments on time and they will be there every time you get in a pinch need a helping hand. This is my second time using this company and I am of many satisfied customers I’m sure. Thanks guys

2 months ago, 20SMH20

🛍️ 🤑

Katapult isn’t the best for expensive items as you need to pay off the balance within three months otherwise you’re paying double what the item actually costs. For example if you buy some that’s $1000 if you don’t pay that within three months then the balance owed is $2000 and stretched out in weekly payments over the course of a year. If you’re planning on using this for smaller purchases than this is great because it gives you three months to pay off the entire balance without having to pay that outrageous lease amount that they offer you. Customer service reps are nice and helpful. I just wish that they would either give us the power to use Katapult anywhere we’d like via Apple Pay/Samsung pay/Google pay etc or add more practical stores to their website for us to use.

1 year ago, JacelZ

Don’t do it!

First they claim no credit is required and that’s not true! First thing they ask for is you SS # and the limit is based on that. Second, I had the auto payment option on since day 1 and they still claimed my payments did not go through so the charged me an extra $100 for that. Third of toy don’t pay in full by 90 days they automatically add another 12 months of lease and double the amount you owed. And lastly, they increased my limit by a thousand dollars and I was ever able to use that because of all the glitches and how bad the process is. I was trying to get headphones for my kids on prime day and it clearly states you Can lease electronics but my cart kept getting rejected and I was never able to purchase anything through them on prime day and CS told me that having an available balance doesn’t mean I can use it. What a joke. I won’t be using them again!

8 months ago, horsetiger10

Feedback

My old friend wanted to apply, but he was denied. They’re fair with me because I’m dependable. For instance, I paid two installments just now because I was a tiny bit behind. I didn’t like that you failed to show my balance. I’ve already done several payments; and the balance is something I ought to be privy to as well as my interest. My other old friend said “don’t do payments, just straight up buy the stuff”. Her daughter makes triple digits but my son doesn’t …so there’s that! I’d highly recommend this if you’re just an average family living in a HORRIBLE economy.

2 months ago, werdbruh

Could be improved

I enjoy the multiple retailers available on the platform , and the opportunity provided to finance, but some have 0 impact on your credit score for reporting back to creditors. It would be nice to be able to build credit on my purchases. Another problem I deal with is the autopay feature. It will attempt to pull every week , even if you have a suspense account balance. And continue to attempt to pull and post charges on your financial account provided until the money is received. It states in the description for the suspense account balance that it will be used to pay the next payment periods until it is drained which is a lie.

6 months ago, MrSouthBay

Easy financing, easy payments, and great selection of stores.

Katapult made it easy for me to purchase what I needed for my car a $900 exhaust system. It was extremely easy. My first purchase was unable to ship to CA because CA has stupid CARB emission laws, but my refund from Katapult was almost immediate. My second purchase was quick and simple, shipped to my house in a matter of a few weeks. Now I just make a 62 dollar payment every time I get paid and something I couldn’t afford all at once is now something I own.

5 months ago, Speedtrap10

Top notch service

As a car guy, I purchase a handful of parts every month for both of my project cars. For every large purchase, Katapult comes through in the clutch. The 90 day payout is the way! Need a new set up wheels? Use Katapult. Need those coilovers that you’ve been eyeing for months? Use Katapult. Gotta have that carbon fiber hood? Use Katapult. Literally purchase over $1000 I use Katapult. Love it ❤️ make your payments on time. Use autopay and pay additional every time. Take advantage of that 90 day payout and you’ll be set.

11 months ago, gdunk0207

Very disappointed and upset

I tried to do a lease with Katapult through Home Depot and it would not go through tried to get it with tech that very evening and granite now I’ve already paid off two full leases with them in the 90 day. And this is my third one with them never missed a payment nothing well it was too late for the person I got in contact with so they told me to try again the next day after going through all of it again they told me the reason it wouldn’t go through because my payment was due that day so I asked Will why did it not go through yesterday my payment wasn’t due till today and what does that have to do with this lease and they were quite rude and ugly so very very very Disappointing

1 month ago, KTZJ

For the Love of shopping!

Katapult made it easy to shop many, many stores for just about anything you want or need. I needed a dryer fast and I easily applied for and received my acceptance in minutes. It was awesome because I found and was able to compare other stores for the best price. You also have a small fee so keep that in mind after you make your purchase otherwise if you’re trying to increase your credit score Katapult is the best!!

11 months ago, Micakizziar

Payments

I wish that when you made a payment before it’s due date, that it would take it off as a payment when you are looking at everything overall. I made several purchase agreements and it makes it really hard to keep track. I also had to call to get autopay turned off cause there’s no feature on the app. And yet it still says autopay on all my agreements. I just wish it wasn’t so confusing. I don’t want to miss any payments and lose my spending power so this app makes me nervous. Or maybe that’s what they want? So they ultimately make more money off of you!

7 months ago, Tk11885

App could be better

The overall experience of helping on doing payments is always a win on big purchases. The main complaint I have with the app is when you make additional payments. The app doesn’t say hey now your next is good till the next month or so. It shows like even tho you paid extra you still owe me money on that date specified. So your balance will go down but no matter how much u pay extra it’s doesn’t account for it like u paid on the due date it asked for. Just something to keep in mind if your planning on using the app. Other then that everything else worked fine and as intended

7 months ago, lvemate

Customer Service

Please don’t forget to pay your bill these people will call you 25 times in a day for $17 otherwise they’re pretty good to work with to be honest. I needed to get to my card because I was @ work & they call almost every hour and as soon as 8am hits they’re calling 🤦🏽‍♀️ I know I could do better but darn that will drive people crazy just imagine if a person don’t have the money @ that time you guys would drive them crazy.

6 months ago, LoboJennTy

Good way to get things you need when you fall short

Like anyone else we have our days when we need something but don’t have the means right then and there. This is a good way to get things you need when you fall short. If you pay the purchase off within 90 days the fees are reasonable. The weekly payments are also reasonable. Have used this service 3 times and each time no issues at all.

2 weeks ago, Big Nelle

Great for ppl with little funds and few options!

I’m so glad I lucked up on this app! They offered an amount that I wasn’t expecting but I played it smart and only used what I needed. The only thing is if you don’t pay it off within the 90 days then you’ll have to pay more. Otherwise, it’s awesome to have a layaway plan where you’re already enjoying the merchandise while you’re paying it off 🤗

1 year ago, Aquamermaidygirl

Terrible app

I entered my bank info for my payments to be taken directly out of my account. I also made this my default method and deleted all others. They told me is takes 10-15 days for a payment to go through from the bank. Even though they could see that this payment was pending, the kept trying to charge my old cards that I had deleted for two months worth of payments, even though I wasn’t behind. Luckily I didn’t have any money on that card. They keep any payment method you have used and will charge it without notifying you. Would not recommend! If you want a leasing option I would try Progressive Leasing. They are much better!

1 month ago, Mkunze78

Payments

I don’t really like that they include your payment due and the next payment together makes it look like you’re always a payment behind so for a while I was paying twice the amount than what was required. Why don’t we just put up the weekly payment due not the next two weeks?? Other than that if you have auto pay like I do but ran into some issues cause I got a new card theee guys aren’t bad,,,, it’s auto pay it pays for itself so,,,,,,

1 year ago, ButterzThtzMe

Great for a a no credit opportunity

They will give you a few months “pay off in full” & my only complaints are the glitches in their software. It doesn’t sync well with the apps they’re claim to be partners with. I have to log in multiple times to get the correct calibration with “approved vendors” usually through my internet browser. I also don’t like logging in with part of my social security number every time I want to access the account information.

4 months ago, snazzy chazze

First time user

So far this has probably been the easiest app ive used for anything, very simple and easy to find your way around. The very specific details makes it easier to understand the payment methods and even breaks them down for you week by week which I think is a great help knowing what I’ll be paying each week is just a sign of relief, 10/10 would recommend.

10 months ago, yjdtb

Customer service

I have had horrible support experience with support falsifying communication, for some reason my autopay continues to be turned off on Katapult and not one support rep can explain the reason. I was assured the problem would be corrected , the problem was not corrected. I am never late with my payment on either account I have had with Katapult, I sometimes pay ahead of due date. This has been the worst experience ever with this company but the falsifying of comments the reps are notating on my account assures me that my doing business with Katapult has reached the end of its journey. I do not do business with individuals of negative morals and ethics. If you represent a company and you assure me that you are correcting an issue and you do not and it causes me more of an headache, than we do not need to do business. I will pay my account out as always and complete business with Katapult. Oh yes, the training of reps to over speak your customers is very rude and you accomplish nothing.

6 months ago, joy.perry

Very appreciative

I am so glad I found Katapult! I purchased a recliner I wanted from Wayfair that I would otherwise not have been able to afford. I choose to pay it off within the 90 days so I didn’t pay any interest whatsoever! You can choose to pay over time though is you need to make smaller payments. I highly recommend this company! I will definitely use them again.

1 year ago, Aj10000033

Really an outstanding take on the lease to buy model

I love Katapult. Besides reasonable rates and a genuinely friendly staff. They are also very understanding when life gets in the way and are very helpful in helping you get back on track. It’s a place you want to continue to do business with because they treat you like a repeat customer from the get go. Thanks for the great service and access to the amazing products.

8 months ago, wandw2

Love love love Katapult!!

My daughters both moved at the same time for college and another to start her career. This left us without our living room furniture. At the time Katapult was a great option for us to buy new living room items to replace what our daughters had to take for their new apts. thanks to Katapult our whole family was able to get what we needed and pay off in time to help our credit.

4 weeks ago, Lithium cowboy

Awesome service!

I use Katapult to purchase things that Ive always wanted but couldn’t afford all at once. The secret to using Katapult is get it paid of in 90 days that way you don’t pay very much more than what the product would normally cost. I’ve bought the newest Apple laptop,a Inmotion V11 EUC, and two Apple I-watches for Christmas! I love using Katapult to get the things that I want and work hard for! Thank you Katapult!

4 months ago, teejay!1

Better than credit cards!

I love the Katapult App! They are upfront and honest about their payment plans and fees. They have a 90 day early pay off option which is awesome if you need something now, but won’t have the full amount you need for a few weeks. I’m trying to clean up my credit and live without credit cards, so, this app is perfect for my needs!

6 months ago, ValeIS300

Fantastic Services!

I really don’t write reviews, due too time and not really on my phone, but I had too express my gratitude. Had to be responsible during the holidays with no crazy spending but still wanted too get my loved ones special some really nice gifts! Thanks to Katapult I was able to do that! Fast and user friendly service! 10/10 recommend

7 months ago, BrendaInJAX

I love Katapult!

When others say "Decline", Katapult says "Absolutely!" This alone is great, but their customer service is almost always top-notch. Yes, making a Wayfair purchase is a pain, but if you put down the phone, and get on a computer (phone browser won't work), the transaction is a breeze. Just pay it off in 90 days and you won't incur interest. I'm a fan.

1 year ago, EllieMae1969$

MC and Visa are blocked making payments

I got a call saying my auto payment was rejected. They couldn't te me why and I couldn't imagine. So after trying 2 more cards .. still would not go thru. Finally after talking to my credit card issuer's, they said that they had Katpult blocked! Not just one but THREE completely different cards .. they said it could be for many different reasons . now how to i make my payment ? 🤬

10 months ago, Garfieldsapril

Easy financing great products

What an easy way to get quality without draining the pocketbook. They made my whole experience more than wonderful! I was able to change around my payment date at one point with no issues. Will definitely use them again!

3 months ago, nickname Dc

The system is horrible

Trying to make payments that are supposed to be in auto pay that aren’t being deducted is a nightmare. The app does not load so you put it off because the wait time is obnoxious for each page to load. Then you miss a payment because it’s easy to forget. Then it tells you that you have spending limit go shopping …..you go shopping and it denies you after you have been paying on your current loan. It’s just a bit annoying.

8 months ago, SheloxSanchez

Deceptive and Untrustworthy - Beware!

Be careful! Don't fall for the lies of this app. It is a thief disguised under the cloak of legality. Not only do they require personal information like your credit, Social Security Number (SSN), and other details, but they also promote the deception of "no credit needed." My advice is to stay away from any entity or app that promotes this supposed "no credit needed" policy but still demands your SSN, date of birth, and address. In reality, what they are doing is conducting soft pulls on your credit score without your explicit consent. It's pure garbage! It is crucial to protect your privacy and be cautious when sharing personal information online. This app not only lies but also invades your privacy by taking advantage of your sensitive data. In conclusion, this app that disguises itself as honest is the complete opposite: deceptive and untrustworthy. Don't fall for their deceitful tactics and don't jeopardize your privacy.

1 year ago, Critter0407

Great App

Easy payment opinions and my tent is so nice my kids and I love it so much the 90 day payment plan made it so much easier to go ahead and get it and pay 45 down and 15 every two weeks and as long as it’s paid off in the 90 day period I am only paying 17 dollars more that if I bought it cash upfront at one time ! Y’all should definitely trying it out they are way nicer and easier than Acima

1 month ago, Crystalfun321

Katapult has been wonderful

We have purchased quite a few items using Katapult and found the experience to be easy and the app is easy to use and also customer service is very accommodating when we weren’t able to make our payment till a week after it’s due date. Just be careful about making payments on time! If you have a few late payments they will cut you off completely!

9 months ago, LycanGod177

Fills a Need

Great service easy process definitely 4 stars. Only reason not five stars is it is impossible to change your information on file without going through 1 million different steps so if you have an address change telephone number change etc. they require utility bills, photo ID etc. etc. and you have to email it all to them.

1 year ago, EvilGeminii

Early pay off

This isn’t a bad company I haven’t had many issues with them other then I didn’t realize if you didn’t pay it off before the 90 days early pay off passed. It would go back up to full amount. I only had about $100 left to pay off but the 90 days passed and it went back up to full amount as if I never paid anything that was really disappointing and very frustrating.

4 months ago, GitSlay

Pretty impressed

Honestly, I really do like Katapult. They gave me a chance to help build some credit when nobody else would! I had NONE! Not good/not bad. I just made my last payment!! WhoHoo!! They make it easy to make payments, I’ve never had an issue w the auto payment as it comes out on payday. Now I have an awesome laptop and better credit now! Thanks Katapult for believing in me!

7 months ago, Randyk979

suspense account(extra payments)

making extra payments even though it states it will take any amount due from there is straight up false. you have to disable auto pay. every other company in the world will automatically deduct besides Katapult. I made extra payments and they can not provide a refund due to the lease being paid off. i would avoid using this company at all costs. there are so many better options. please do not make the mistake i did and use them. there are places like affirm and even klarna!!

7 months ago, 0hGod

Not Bad …

Great if you pay it off early (within allotted buyout period). If not, you will pay more than what any purchase is actually worth, IMO. Also, it would be amazing if Katapult reported to the three credit “judges” 😆 (companies), in order to help people build credit, but they do not. (Who gave these three companies the go-ahead to know everyone’s credit anyway)?

3 weeks ago, Tim the Star Citizen

My new PC

I’ve had a dream for a while to start streaming my gameplay simply because I have a lot of funny moments and I’d like to share that with people, but I’ve always been held back by having a crappy PC but thanks to Katapult I’m going finally be able to start working towards building a great community 😄👍🏻

2 months ago, Tracy Views

Ms. Tracy

I am grateful for Katapult. My first order went through fine but the second order was problematic but after several tries it went through good too. I have paid off my first order No problem and hopefully the second order will be the same. Thank you Katapult

6 months ago, Niahbaby

Love paying this way

I have really enjoyed being a Katpult customer rarely any issues, when there is it is resolved very quickly. Payments are low and easy to make. Allows me to make big purchases and pay over time. Sometimes 90 days is all you need.

4 months ago, OnyxFlow

Easy & Convenient

The application process was easy and convenient at the time of purchase. However, always read the fine print interest can really get you in the end so make sure and pay off early. It’s a pity making payments on time And paying items off early doesn’t help your credit score.

3 months ago, 3andone

All paid off

Wonderful experience! Bought my daughter new furniture for her house was able to pay it off little little. Actually paid it off early. I was going to be late one time… they worked with me with no hassle. I will absolutely be shopping here again!

4 months ago, Neilfan

Helped me for my needs!

The vender was not familiar with this program and I was the first one they had use it. It took some time to get the lease started but after that everything was very simple and straightforward. Being able to see the lease per payment and the dates helped tremendously.

7 months ago, MasterCheifhasaface

Not too shabby

Nice to use when random deals pop up and you don’t wanna question the money. Just work the OT and pay it off before the 90 buyout is up and your good. Only like $50 bucks extra. Nice to use when your getting something $1000 and can get time to pay it off.

8 months ago, LA.Er

When things are tight!

I was very surprised with how much this was so helpful when expenses were really tight and Katapult saved the day! I use this to help with things I need or want that I normally may not be able to afford and have a monthly payment instead of a huge expense that makes living even more difficult. I would recommend.

4 months ago, HeyItsYi

Easy to use

The Katapult app is a game-changer! Its user-friendly interface makes it incredibly easy to navigate. From browsing products to completing transactions, every step is seamless. I love how the app simplifies the entire process, making shopping a breeze. 5 stars without a doubt!

Description

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.