Katapult process is so easy, you won’t believe how fast you’ll be enjoying your products! We ask for the information below and that’s it. No hidden requests or mixed signals here.

1. A valid credit or debit card to make recurring payments. (no prepaid or gift cards, and the card MUST be in the signing customer’s name)
2. A current, valid US address that is active with the USPS. (Please note that commercial addresses and P.O. Boxes will not be accepted)
3. A cell phone with them, with a valid mobile number that can receive SMS
4. A valid Social Security or Taxpayer ID Number (ITIN). (If your first application was successful but you didn't proceed, ensure you fill in the same information if you apply again.)
5. Required a valid email address
6. A valid photo ID showing they are 18 years of age or older
7. Annual gross amount (do not fill in net income)

If you meet the requirements but are still not approved, you can wait a few minutes and retry, or seek assistance from 25home Customer Service or Katapult.

25home Customer Service
Email: vip@25home.com
Call or Text: (310)651-0603

Katapult Service
(Call or Text): 833-528-2785

1. Be an individual who is at least 18 years old

2. Be a resident of the United States and reside within one of the 50 states or the District of Columbia;

3. Be capable of entering into a legally binding contract;

4. Have a valid and verifiable email address and mobile telephone number;

5. Provide a valid delivery address in the United States;

6. Be authorized to use the Payment Method provided (US-issued debit or credit card)

7. Pass Identify verification (Monthly Payments)

8. Pass identity and eligibility checks (Afterpay Card)

1. Need to be at least 18 years old

2. Have a U.S. or Canadian phone number that receives texts

3. A valid email address

4. A valid credit or debit card to make recurring payments

1. You need a United States billing address and must be signed up for Shop Pay.

2. Your order needs to be between $50 and $20,000, including shipping and taxes.

3. If you're ordering a physical product, you need to provide a United States shipping address. For digital products, a United States shipping address isn't required.

4. For orders split into four bi-weekly payments, you must use a supported credit or debit card.

5. For orders paid in monthly installment payments, you can only use a supported debit card.

Limitations
The following limitations apply to Shop Pay Installments. If any of these limitations apply to your order, you can't use Shop Pay Installments:

1. You can't pay for an order that includes any form of currency, including virtual or digital currency like gift cards.
2. You can't pay for a Shop Pay Installments order with a Capital One card or any prepaid debit or credit cards.

Afterpay & Sezzle may conduct a soft credit check for new customers when they first sign-up to use the platform. This soft credit check will not impact our credit score.

Shop Pay & Katapult is no credit requirement .

No, soft credit checks do not affect credit scores.

Sezzle, Afterpay, and Katapult typically have transparent fee structures and any additional fees are clearly outlined at the time of purchase. In most cases, installment payment services do not charge interest but may impose late fees or deferred payment fees.

Afterpay:
Late fee: Up to $8.

Sezzle:
Late fee: Up to $15;
Convenience fee: Up to $1.50;
Payment rescheduling fee: Up to $7.50.

Shop Pay & Katapult: No late fee.

Afterpay:
①Pay in four installments, due every two weeks.
②Pay monthly, with terms of 6 or 12 months.

Sezzle:
①Pay in four installments, due every two weeks.
②Pay monthly, with terms of 3-48 months.

Shop Pay:
Pay the entire amount at checkout or opt to pay for your order in installments.
Pay in four installments or Pay monthly

Katapult:
①Payment Frequency Options:
Pay Weekly / Bi-Weekly / Semi-monthly / Monthly
②Lease Term Options:
12 months (for lease amounts less than $2,000)
18 months (for purchases ranging from $2,001 to $3,500)
③Early Payoff Option:
You can pay off your product early for convenience and savings. Katapult offers a 90-day early purchase option, allowing you to own your sofa within 90 days.

Afterpay:
①0% for pay-in-four
②6.99%-35.99% for monthly financing

Sezzle:
①0% for pay-in-four
②5.99%-34.99% for monthly financing

Shop Pay:
①0% for pay-in-four (orders between between $50 to $999.99)
②10% to 36% APR for monthly financing (between $150 to $20000)

Katapult:
①No interest rate (Annual Percentage Rate)

If Afterpay and Sezzle applications are not approved, we recommend using Katapult or Shop Pay for alternative, as Katapult and Shop Pay does not have a credit requirement.

Afterpay:
Afterpay Buy now, Pay Later payments will not affect your credit score, as they are not reported to credit reporting agencies.

Sezzle:
Credit reporting is only applicable to shoppers enrolled in Sezzle Up. If you decide to enroll in Sezzle Up, you are opting to report your payment history to the credit bureaus. The longer a payment is failed on your account, the worse the impact will be on your credit score.

Katapult:
Pre-qualifying for a loan won't affect your credit score. But if you proceed with the loan at checkout, it triggers a hard credit inquiry and affects your score like any other loan.

Shop Pay:
If you choose to pay for your order in four biweekly installments, your credit score isn't impacted. However, if you opt for monthly payments and fail to make payments on time, your credit score might be affected. Only monthly payment options can impact your credit score.