Lease to own,no credit needed
Money-back guarantee
GIA certified diamonds
#1 on Trustpilot
shipping
Lease to own,no credit needed
Money-back guarantee
GIA certified diamonds
#1 on Trustpilot
shipping
What’s inside this guide
- 01.What is Katapult?
- 02.Benefits
- 03.How to apply
- 04.FAQs
What is Katapult?
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.
What is lease 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. It is not a loan or financing - it's a lease-purchase agreement.
Why choose Katapult?
A lease-to-own option built around flexibility - not your credit score.
Real purchasing power
Up to $5,000 in lease pre-approval, based on your individual plan.
Fast approval
Get a decision in 5 seconds or less - no waiting.
No credit required
Katapult's AI looks deeper to understand your journey, beyond traditional credit scores.
Flexible purchase plans
Pay over time and purchase anytime. No long-term obligation to continue leasing.
No late fees
Katapult never charges late fees. Return the product at any time with no further obligation.
Award-winning service
Katapult customer service holds 4.4 stars out of 5 on Trustpilot.
How to use Katapult at checkout
From your cart to your front door in five steps.
- 1
Create your cart
Pick the engagement ring, diamond, or jewelry you want and add it to your cart.
- 2
Select Katapult at checkout
On the payment step, choose Katapult as your payment method.
- 3
Apply and verify
Complete a quick application with your identity and payment information. No traditional credit check.
- 4
Get an instant decision
Katapult delivers a decision in 5 seconds or less. You will know right away.
- 5
Review and submit
Review your lease terms, submit your order, and look for a welcome email from Katapult.
Common questions about Katapult
Talk to a real gemologist about your budget
Our GIA-trained gemologists can walk you through the options based on your timeline, ring style, and budget. No pressure, no commission.
Ready to start shopping?
Browse our collection and select Katapult at checkout to lease your ring with no credit check. Our gemologists are here to help.