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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Katapult's account


How to register an account

Only customers can have an account with Katapult. Therefore, you will need to apply for their service. If you want to become a customer:

  1. Visit Katpult's official website;

  2. Choose I am a customer and Log In;

  3. Type in your cell phone number;

  4. Enter the code and follow Katapult's instructions;

  5. After completing your registration, you can use it to shop and lease.

Click "I am a Retailer" and log in for merchants. The lender will then request the username and password to proceed. After that, follow Katapult's instructions. If you have questions about sign-up or Login, you can email them or call their customer service hotline.

How to reset a password

If the user forgets their password, they can send a reset password link to them. To do so, click the clock symbol, and a password reset box will appear. Click "Send Reset Link" on the window to send a link to the user.

How to delete an account

If customers want to cancel their lease-purchase arrangement, they should contact a Katapult service representative by dialing 833-KATAPULT (528-2785), using LiveChat, or emailing to the Customer Center.


How to create an account on Katapult?

To create an account on the website, open the main page, and choose Apply Now. Type your phone number and enter the code you received. After that, you need to follow the instructions and choose whether you want a customer or a merchant's account.

How to delete an account from Katapult?

To delete your account on Katapult, contact the company on 833-KATAPULT (528-2785) or by their Live Chat. You will no longer be a customer.

Calculate loan payments in Katapult

Katapult calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

100 $
3500 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Katapult

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Katapult and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Katapult’s reviews by October 2022
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