Koalafi

For Business For Customers

For business

Let's grow.

With Koalafi, you can offer lease-to-own financing that drives real growth for your business and your customers.

A+ BBB rating | 4.8★ TrustPilot^**

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Trusted by 28k+ merchant partners and their customers

Grow sales

Up to 40% of U.S. adults lack the credit needed for traditional financing.¹ By offering Koalafi's financing options, you can attract new non-prime shoppers, convert them into loyal customers, and increase AOV.

The benefits of offering Koalafi lease-to-own financing →

Grow long-term relationships

We want to introduce you to new customers and help you build lasting relationships. That's why we offer your customers more purchasing power and the tools and resources they need to grow their financial futures along with yours.

Learn more about how non-prime financing enhances customer loyalty →

Grow with confidence

We deliver exceptional service rooted in transparency, respect, and a desire to see you succeed. Our merchant support is available 365 days a year, so you can feel confident that your business and your customers are always in good hands.

Learn more about how we measure merchant satisfaction →

Benefits for merchants of all sizes

Attract new customers

With approval amounts up to $7,500^*, more shoppers convert to customers—and you make more sales at a higher AOV.

Amplify your marketing

We provide marketing support and refer our customers to our merchant partners, making it easier for you to reach more customers and increase lifetime value.

Quick funding

You get paid as soon as items are delivered or services are complete, usually within 2 business days.

Merchant protection

You can focus on growth without financial risk because offering Koalafi typically has no cost, and we take on 100% of the consumer risk.

World-class support

Our merchants have access to support via email, chat, phone, and a self-service help center so that you can quickly get answers when you need them.

Seamless integrations

Our many integration options ensure that Koalafi fits smoothly into your existing systems.

Learn more about our integration options →

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Why consumers choose Koalafi

Credit bureau reporting: On-time payments may give consumers an opportunity to build credit.^‡
High approval rates: We look at more than credit scores to approve more consumers.
Transparent pricing: The total cost, scheduled payments, and other fees are shown before the consumer signs the contract.
Multiple purchase options: Consumers can choose the purchase option that best fits their budget and unique needs.^*
High customer satisfaction: Our NPS is in the top 20% for consumer finance companies, we have a 4.8 on TrustPilot,^**and an A+ BBB rating.

What our merchants are saying

"Your team's attention to detail and dedication to ensuring a seamless customer experience truly set you apart from other integration partners we've worked with in the past.”

eCommerce retailer with 2 million monthly visitors

“Easy, fast, and great approvals! Also, our customers love the fact it is reported to the credit bureau. Koalafi also markets to previous customers to help get us additional business. We love Koalafi!”

Sofa City USA

"We wanted to not only offer a financing solution to credit-challenged guests but found that Koalafi gives our guests the opportunity to build their credit”

Alli Adams

Regional Sales Director Home Zone Furniture

"Your team's attention to detail and dedication to ensuring a seamless customer experience truly set you apart from other integration partners we've worked with in the past.”

eCommerce retailer with 2 million monthly visitors

Sofa City USA

Let's grow together.

Partnering with us means you’re not just offering financing—you’re creating lasting growth for your business and helping your customers build a better financial future.

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FAQs

To the best of your ability, correctly explain our financing plan.
Verify that all signing documents are correct and accurately signed and dated by the customer.
Verify the identity of customers by checking photo ID.
Once all of the final documents are signed, all the items have been delivered, and your account is funded, your obligation is limited to the customer service you would provide for repairs/servicing to all customers.

Koalafi finances durable goods such as furniture, appliances, mattresses, and tires. These categories are general guidelines, and not all items in these categories are leasable. Contact merchant support to discuss your unique business needs.

Not sure if an item is leasable? It needs to meet these requirements:

The total cost of your leasable items is more than $200
For personal, family, or household use
Durable and likely to outlast the term of the lease
Returnable
A physical good that you can use and touch
Safe and doesn't cause excessive harm to you or others

Learn more about what items are leasable and not leasable.

News & resources

The difference between loan and lease-to-own financing

Learn the differences between loan and lease-to-own financing.

What’s driving lease-to-own shoppers' purchases in 2025

To get a better sense of what’s motivating lease-to-own consumers in 2025, we asked them about their priorities and plans for financing this year. Here’s what they told us.

How customer-centric is your financing program?

Today’s customers expect brands like yours to recognize and address their unique needs – including the financing options you offer. This assessment will help you evaluate how customer-focused your current financing program is.

Financing Best Practices

How to foster transparency at every step in the financing journey

At Koalafi, we believe that a retail financing program should be designed to empower consumers.

Research & Insights

Financing Best Practices

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

For Business

For Customer

Koalafi

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

² Koalafi customer survey

³ KeyBanc Capital Markets - Hardlines: RTO Direct Opportunity Remains Significant– Deep Dive, Sept 2021

⁴ As of May 2024, based on Delighted industry benchmark reports. Consumer finance companies include Industry includes HSBC, U.S. Bank, Discover, Wells Fargo, Citigroup, American Express, Chase, Barclaycard, Bank of America, Capital One, and USAA. Software companies include Adobe, Microsoft, Google, Intuit, Sony, McAfee, Activision, Apple, Symantec, and Blackboard.

* Applies to lease product 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 TrustPilot reviews of Koalafi (previously West Creek) as of 3/25/25. This rating may change over time.

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

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