Katapult
Katapult offers lease-to-own payments for customers buying eligible items over time.
What Katapult is
Katapult offers lease-to-own payments for customers buying eligible items over time. Customers can apply, shop in the Katapult app, and select Katapult at checkout; the service is also available at participating stores and retailer websites. Katapult says applying will not affect a customer’s credit score and describes its service as requiring no credit. Its real-time approval process considers factors beyond credit scores and collects minimal customer information. During an active lease, customers can continue scheduled payments, use an available early purchase option, or return merchandise subject to their agreement. Purchase options may be available within three months, later in the lease, or at the end of the term. Katapult says retailers receive payment upfront and that it adds no late or insufficient-funds fees. Repayment schedules can be weekly, bi-weekly, semi-monthly, or monthly. Merchant integrations include Magento, Shopify, WooCommerce, Salesforce Commerce Cloud, a JavaScript plugin, and direct API integration. API access uses OAuth 2.0 and HTTPS, with separate sandbox and live environments. The service is unavailable in Minnesota, New Jersey, Wisconsin, and Wyoming. Pricing is available on request.
Good
- Supports multiple repayment frequencies
- No late or insufficient-funds fees
- Retailers receive upfront payment
- Integrates with several commerce platforms
- Offers app, store, and website shopping channels
Watch out
- Unavailable in Minnesota, New Jersey, Wisconsin, and Wyoming
- Pricing is available on request
- Returns and purchase options are subject to the lease agreement
Who it suits
Katapult may suit retailers that want to offer lease-to-own checkout through supported commerce platforms or in-store channels. Consumers considering it should confirm that the service is available in their state and review the lease agreement.
Verdict
Katapult provides lease-to-own checkout across online and in-store channels, with several repayment schedules and retailer integration paths. Availability is limited in four states, and consumers should review their agreement for the applicable purchase and return terms.
The facts
Each one read from Katapult's own pages, with the date it was checked.
What it does
- API compatibility
- Katapult describes its API as REST-based and compatible with retailers on custom and off-the-shelf platforms.checked 9 Oct 2026
- API security
- The API requires OAuth 2.0 authentication and HTTPS, and provides separate sandbox and live environments with distinct OAuth keys.checked 9 Oct 2026
- Customer flow
- Customers apply, shop in the Katapult app, then select Katapult at checkout to start a lease.checked 8 Oct 2026
- Customer support
- The mobile app page lists phone and live chat support and gives service hours of Monday–Friday 7am–11pm CST, Saturday 8am–9pm CST, and Sunday 10am–8pm CST.checked 8 Oct 2026
- E-commerce integrations
- The documentation lists plugins for Magento, Shopify, and WooCommerce, plus a JavaScript plugin and direct API integration.checked 8 Oct 2026
- Fees
- Katapult says it does not add late or insufficient-funds fees to leases.checked 9 Oct 2026
- Integrations
- Merchant integration options include extensions for platforms such as Magento, Shopify, and WooCommerce, a JavaScript plugin, direct API, and in-store checkout.checked 9 Oct 2026
- Late fees
- Katapult’s e-commerce page says it charges no late fees.checked 8 Oct 2026
- Merchant integration setup
- Katapult supports sandbox and live API environments, and its documentation says each integration receives a dedicated integrations engineer and engagement manager.checked 8 Oct 2026
- Merchant onboarding
- Katapult says each integration is assigned a dedicated Integrations Engineer and an Engagement Manager.checked 9 Oct 2026
- Notable limits
- The official site says the service is unavailable in Minnesota, New Jersey, Wisconsin, and Wyoming.checked 9 Oct 2026
- Payment paths
- During an active lease, customers can continue scheduled payments, use an available early purchase option, or return the merchandise subject to their agreement.checked 9 Oct 2026
- Privacy and security
- Katapult says it uses commercially reasonable administrative, technical, and physical measures designed to safeguard personal information.checked 9 Oct 2026
- Purchase options
- Customers can choose to purchase leased items within three months, later in the lease, or at the end of the lease term; they may also return items without obligation.checked 8 Oct 2026
- Retail categories
- Katapult lists furniture, electronics, automotive and tires, mattresses, appliances, outdoor equipment, medical instruments, and hobby equipment as retail verticals.checked 8 Oct 2026
- Retailer payment
- Katapult says retailers receive upfront payment while customers lease to own over time.checked 8 Oct 2026
- Security
- Katapult’s privacy policy says it uses commercially reasonable administrative, technical, and physical measures designed to safeguard personal information.checked 8 Oct 2026
- Service availability
- The mobile app page says the service is unavailable in Minnesota, New Jersey, Wisconsin, and Wyoming.checked 8 Oct 2026
- Shopify support
- The Shopify guide says the integration supports Shopify and Shopify Plus and estimates installation takes about 30–40 minutes.checked 8 Oct 2026
- Shopping channels
- Consumers can use Katapult through its app, at participating store locations, or during checkout on participating retailer websites.checked 9 Oct 2026
Where it runs
- Approval process
- Katapult says its real-time approval process considers factors beyond credit scores and collects minimal customer information.checked 9 Oct 2026
- Eligibility approach
- Katapult says applying will not affect the customer’s credit score and describes its service as requiring no credit.checked 8 Oct 2026
The company
- Founded
- 2012checked 28 Sep 2026
- Headquarters
- Atlanta, Georgiachecked 28 Sep 2026
