Update, September 2026: Progressive Leasing is no longer offered at the VoroMotors checkout. If you came here looking for it, the no-credit-needed option we offer now is Katapult lease-to-own. You pick it as your payment method at checkout, get a decision in real time, and we ship your ride.
At VoroMotors, we believe high-performance personal transport shouldn't be gated behind a flawless credit score. Whether you are a gig worker needing a reliable vehicle for deliveries or a commuter trying to escape rising gas prices, you need a ride now, not in six months when your credit score improves.
How Katapult Is Different From a Loan
Traditional lenders look primarily at your FICO score. Katapult looks beyond just a credit score when it makes its real-time decision, which helps riders with low or improving credit, and young riders who haven't built a credit history yet.
It is a lease, not a loan. You lease the scooter or bike with an option to own it. There is no interest rate or APR, because a lease-purchase agreement is not a credit transaction.
Checking does not hurt your score. Getting pre-approved for a Katapult lease does not affect your credit score.
No late fees. Katapult does not charge late fees.
You can own it early. You become the owner by making all the scheduled payments, or sooner by using the Early Purchase Option. Owning it early costs less than paying the lease to the end. Your agreement shows the exact terms before you sign.
From our riders: many of our customers use their scooters to earn income. Lease-to-own lets you get the vehicle immediately and pay for it with the money you earn from deliveries.
What You Need to Apply
A mobile phone number that can receive texts
A US address
A Social Security Number or Taxpayer ID Number (ITIN)
An email address
A credit or debit card for payments (no prepaid or gift cards)
A photo ID showing you are 18 or older
How to Apply (The 3-Minute Process)
Add to Cart: Pick your scooter or e-bike.
Checkout: Fill in your shipping info.
Payment Method: Choose Katapult from the payment options.
Instant Decision: You will be taken to a short, secure application. Decisions happen in real time.
Sign & Ride: Review and sign your lease, and we ship your ride.
Buying Something Big? Put Some Down First
The bigger the amount you ask to cover, the harder approval gets, even with good credit. You don't have to lease the full price. You can put part of it down first and lease only the rest, which makes approval easier. The simplest way to do that with us is a VORO gift card: buy one for part of the price, apply it at checkout, and cover only the smaller balance. Our financing guide walks through it with an example.
Other Ways to Pay Over Time
If you have fair or good credit, Affirm, Klarna and Shop Pay Installments are also at checkout, with plans from 3 to 18 months. Compare every financing option here.
Why This Matters for Your Commute
In cities like San Francisco or New York, monthly transit passes are hitting $130+, and rideshares are worse. With lease-to-own, your payments go toward a vehicle you can own instead of fares you never get back.
Ready to ride? Don't let a credit score keep you walking. Pick your scooter or your dirt bike and choose Katapult at checkout. Not sure how to split the payment? Talk to our team and we will walk you through it.
Why VoroMotors? We curate and sell high-performance electric scooters and e-dirt bikes, provide in-house technical support and maintenance, and test what we sell so we can give you honest performance specs. We are not a drop-shipper, not a marketplace for unverified vehicles, and not the cheapest online retailer with no after-sales support.
Legal Disclaimer: Katapult lease-to-own is a lease-purchase agreement, not a loan or credit. Acquiring ownership by leasing costs more than the retailer's cash price. Approval is not guaranteed. Katapult is not available in Minnesota, New Jersey, Wisconsin or Wyoming.