Step 1

You can review available financing plans and estimated monthly payment options directly on each product page. If your purchase includes several items, you may also apply during checkout to see financing offers based on your entire order.

Your rate will depend on your selected repayment timeline. Our financing partners provide equal-payment plans ranging from 3 to 18 months.

Step 2

At checkout, choose the financing provider you prefer.

If you already have an account with that provider, you’ll be prompted to sign in. New customers will complete a quick application before proceeding.

Step 3

Once approved, pick the payment plan that fits your budget. During this step, you can review interest rates, payment schedules, and finalize the financing agreement through a secure checkout process.

If You Are Not Approved

If Affirm cannot approve your application, you may be automatically offered financing options through one of their partners, such as Katapult or Shop Pay.

• Katapult provides lease-to-own solutions.
• Shop Pay Installments also operates through Affirm.

If none of these work, you may apply through Klarna, which offers flexible post-purchase payment arrangements.

Frequently Asked Questions About Katapult

Q: What is Katapult?
Katapult is a lease-to-own financing option designed to help customers with low or developing credit scores. Their approval process considers more than just credit history, making financing accessible to a wider range of shoppers.

Q: How does Katapult work?
Katapult allows customers to acquire products without paying the full amount upfront or passing a traditional credit check. Their system provides quick decisions and requires only minimal information. Customers lease the product with the option to purchase through an Early Purchase Option or by completing the full lease schedule.

Q: What do I need to apply for Katapult?

• A mobile phone capable of receiving SMS messages
• A valid U.S. residential address
• A Social Security Number or ITIN
• A valid email address
• A debit or credit card for payments (not prepaid or gift cards)
• Government-issued photo ID verifying you are 18+

Pre-approval does not impact your credit score.

Q: What payment methods does Katapult accept?
Payments can be made by credit card, debit card, or check.

Q: Where is Katapult available?
Katapult is available throughout the United States except in:
Minnesota, New Jersey, Wisconsin, and Wyoming.

Q: Does Katapult charge interest?
No. Katapult offers a lease-to-own agreement, which is not a loan and does not involve interest or APR. Lease payments are based on the terms of the lease, not interest calculations.

Q: Does Katapult charge late fees?
No. Katapult does not charge late fees of any kind.

Q: Why choose lease-to-own?
Lease-to-own provides access to products when traditional credit options are not available or approved. Customers can use the product immediately while working toward ownership through scheduled payments or an early buyout.