How It Works

Your Katapult Loan Journey,
Step by Step

From first click to funded account — the most transparent loan process in the industry.

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Step 1 · ~3 minutes

Complete Your Katapult Online Application

Fill out our secure digital application with your basic information. No paperwork, no fax, no branch visit required. 256-bit SSL encryption protects every submission.

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Step 2 · Soft pull only

Katapult Instant Rate Check — No Credit Score Impact

Our system performs a soft credit inquiry — invisible to other lenders, zero score impact. Within 60 seconds you'll see your personalized rate options with exact APR and monthly payment.

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Step 3 · Your choice

Compare Katapult Offers & Choose What Works for You

Compare multiple offers side-by-side. No obligation to accept. Take the time you need. A hard credit pull only occurs after you formally accept.

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Step 4 · Fully digital

E-Sign Your Loan Agreement

Review and digitally sign your loan agreement online. No printing, no wet signatures. ESIGN Act compliant and legally binding.

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Step 5 · As fast as same day

Katapult Funds Deposited Directly to Your Account

Funds deposited to your bank within 24 hours on business days. Apply before 2 PM ET for a chance at same-day funding.

Check My Rate — Free & Instant →