Katapult | Shop & Lease to Own

I can’t speak to the actual service, as I never got to the point of doing business with them. I can say that the app is horribly broken. I was preapproved for a set amount and went to use a portion of it. The issues start when their automated system decides what items you are buying that qualify as leasable. It’s all over the board. It will say an item isn’t leasable, even when it should be, but it will approve items that clearly should not be leasable. Then it will “change its mind” based on if another item is still in the cart or not. After that all finally gets sorted out (one way or another), I went to pay, but was told I was suddenly not approved. I went through the process again, and less than two minutes later it gave me a lease contract. I decided last minute to change some items in my cart, so went through that process again, which is painfully broken, only to be told yet again I was suddenly not approved. At that point I just gave up. May be ok if you are in a pinch and can get it to work, but as it stands the app is too horribly broken to even consider giving them my business.

I don’t have the greatest credit but I don’t have bad credit either. I have always paid for everything using cash. So it’s nice to have a company give me a chance. They let me get a $3,000 set of tires for my truck. The only other option I had would’ve been to buy some junk tires off of eBay that I would have had to replace every year. I had a few problems navigating the website and called customer service and they were awesome. Not only were they very helpful but I could actually understand what they were saying. I’m not trying to sound racist because I am not but at the same time I can’t stand calling a company’s customer service and trying to understand what someone from India is saying let alone getting the problem resolved. I have the option of paying off the total amount within three months and then I don’t even have to pay interest. I’m assuming that it should help me build credit too.