For BusinessFor Customers

Financing that's
more than a
payment plan


Offering Koalafi non-prime financing means that more of your customers are able to make their important purchases with the convenience, confidence, and support that drives loyalty.

Learn more

Financing that's more than a payment plan


Offering Koalafi non-prime financing means that more of your customers are able to make their important purchases with the convenience, confidence, and support that drives loyalty.

Learn more

Koalafi helps merchants close the financing gap for their customers

Adding non-prime financing unlocks up to 47% of U.S. adults who don’t have high enough credit to finance the things they need using traditional financing.1

These are real customers who gave their permission to share their individual experiences.

AD

Albert D.

December '22

“Great way to get what you need and not feel overwhelmed with the big expense.”

DW

Dena W.

August '23

“They were there when I needed them most and the payment plan is easy and convenient”

AD

Albert D.

December '22

“Great way to get what you need and not feel overwhelmed with the big expense.”

DW

Dena W.

August '23

“They were there when I needed them most and the payment plan is easy and convenient”

AD

Albert D.

December '22

“Great way to get what you need and not feel overwhelmed with the big expense.”

DW

Dena W.

August '23

“They were there when I needed them most and the payment plan is easy and convenient”

KV

Kristi V.

August '23

“The process was super simple and helped me when I was in a pinch”

RC

Regina C.

December '22

“Because the terms are clear, payments are easy and flexible.”

KV

Kristi V.

August '23

“The process was super simple and helped me when I was in a pinch”

RC

Regina C.

December '22

“Because the terms are clear, payments are easy and flexible.”

KV

Kristi V.

August '23

“The process was super simple and helped me when I was in a pinch”

RC

Regina C.

December '22

“Because the terms are clear, payments are easy and flexible.”

AD

Albert D.

December '22

“Great way to get what you need and not feel overwhelmed with the big expense.”

Our financing options cover more non-prime customers

Support more of your customers with a wide range of credit scores with our lease-to-own and second-look financing options.

Customers can apply with confidence

Our clear, data-driven application means that customers can apply in just seconds online or in-store—with a high chance of approval.‡

We see the value in adding value

We are always developing ways to add value for our customers, so we work closely with our partners to offer support at every stage.

  • Credit reporting: Payment activity reported to TransUnion^

  • Inclusive support: Bilingual support & accessible support channels

  • Best-in-class service: 90th percentile NPS, Google 4.7★, A+ BBB

4 Surprising Stats About Non-Prime Consumers

There are common misconceptions about consumers who are establishing or rebuilding their credit. Here are some stats about them that may surprise you.

Research & Insights
Read More

Customer Support

Mon-Fri 8:00am-9:00pm ET

Sat 8:00am-8:00pm ET

844.937.8275

Business Support

Mon - Sat: 8:00am-10:00pm ET

Sun: 9:00am-9:00pm ET

365 days a year

844.238.6500

1 “The Consumer Credit Card Market.” Consumer Financial Protection Bureau, 2021

High chance of approval is based on Koalafi products only. The Bank of Missouri does not offer Lease-to-Own solutions.

^ Customers may have an opportunity to build credit by making on-time payments over the entire agreement term. Koalafi reports positive and negative payment history to multiple credit bureaus. If a customer has concerns about their credit report, or has questions about what is not showing up on your report, they can call TransUnion® at 1(800) 916-8800.

** Based on the Google reviews of Koalafi (previously West Creek) as of 12/12/23. This rating may change over time.

Koalafi offers Lease-To-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi