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Why Katapult Lease-To-Own
No Credit Required
We’ll approve you up to $3,500 without looking at your FICO score.
Pay Over Time
Make your minimum term payments and you’ll own it, or buyout early and save.
Checkout For As Little As $45
For just $45 you can enjoy your new mattress ASAP.
Flexible Payments
Katapult sets up your payments to match your pay dates.
- Shop Your Favorites: Browse our store and add your desired items to your cart.
- Choose Katapult at Checkout: When you're ready to pay, select Katapult as your payment option.
- Easy Application: Fill out a quick application, confirm your identity, and provide your payment details.
- Get an Instant Decision: Receive your approval status in seconds.
- Complete Your Purchase: Review your order and finalize your purchase with ease.
- Welcome to Katapult: Keep an eye on your inbox for a welcome email from Katapult with all the details you need.
How to pay with Katapult
Frequently Asked Questions
Katapult has reimagined lease-to-own for the better, with lease-purchase plans designed just for you. There’s no credit required, no surprises, and never a late fee, ever. Katapult’s technology looks beyond credit scores to understand your journey, opening up new purchasing power. Apply for a Katapult plan now, and in minutes you could be shopping for the essentials you need in-person, online, or with Katapult’s app. It’s your path from “need” to “own.”
Lease to own opens up paths to ownership by enabling recurring payments toward owning goods outright. You have no long-term obligation to continue leasing, and can return the product to Katapult at any time with no further obligation other than for amounts past due.
Lease-to-own gives you the power to purchase what you need when you need it.
For customers to apply for financing using Katapult for purchase of products on the Harmony Own Website, they must meet the following criteria:
- A current, valid US address that is active with the USPS. PO Boxes will not be accepted. Katapult is not available for customers in MN, NJ, WI, and WY.
- A cell phone with them, with a valid mobile number that can receive SMS
- A valid Social Security or Taxpayer ID Number (ITIN).
- A valid email address.
- A valid credit or debit card to make recurring payments. (no prepaid or gift cards, and the card MUST be in the signing customer’s name)
- They must be 18 years of age or older to apply.
- The payment method used must belong to the customer. The name on the card must match the name on the valid ID and the Katapult application.
Approval depends on verification of these items.
Katapult is a no credit required payment option and does not pull or impact FICO scores.
Katapult’s lease purchase agreements are available in lengths of 12 or 18 months. For lease amounts less than $2000, a 12 month lease will be offered. An 18 month lease term will be available when the amount leased is $2,001.01- $3,500. Offers may vary by state regulation, amount of the purchase or other factors. These terms are subject to change, check the manual regularly for changes and updates.
