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.
Albert D.
December '22“Great way to get what you need and not feel overwhelmed with the big expense.”
Dena W.
August '23“They were there when I needed them most and the payment plan is easy and convenient”
Albert D.
December '22“Great way to get what you need and not feel overwhelmed with the big expense.”
Dena W.
August '23“They were there when I needed them most and the payment plan is easy and convenient”
Albert D.
December '22“Great way to get what you need and not feel overwhelmed with the big expense.”
Dena W.
August '23“They were there when I needed them most and the payment plan is easy and convenient”
Kristi V.
August '23“The process was super simple and helped me when I was in a pinch”
Regina C.
December '22“Because the terms are clear, payments are easy and flexible.”
Kristi V.
August '23“The process was super simple and helped me when I was in a pinch”
Regina C.
December '22“Because the terms are clear, payments are easy and flexible.”
Kristi V.
August '23“The process was super simple and helped me when I was in a pinch”
Regina C.
December '22“Because the terms are clear, payments are easy and flexible.”
Albert D.
December '22“Great way to get what you need and not feel overwhelmed with the big expense.”
Trusted by
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
Customer Support
Mon-Fri 8:00am-9:00pm ET
Sat 8:00am-8:00pm ET
Business Support
Mon - Sat: 8:00am-10:00pm ET
Sun: 9:00am-9:00pm ET
365 days a year
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