Financing that works for people—and the businesses that serve them
Koalafi helps close the financing gap for millions of non-prime consumers, making essential purchases possible while helping the businesses that support them close more sales. Our lease-to-own financing empowers consumers to get what they need today, while building a stronger financial future.
For merchants, it’s a way to turn more shoppers into loyal, long-term customers and grow with them.
Our vision
A world where no one has to put an important purchase on hold
Our story
Koalafi was founded to fix a system that wasn’t working for shoppers or for merchants. Too many non-prime consumers were being told “no,” and at the same time, merchants were losing sales.
We believed there had to be a better way. So we built it.
Koalafi’s lease-to-own platform helps more consumers get the purchases they need today and build a better financial future while merchants close more sales, earn customer loyalty, and grow with confidence.
At the core of everything we do is a simple belief: customer dissatisfaction comes from misaligned expectations. That’s why we’re committed to setting clear expectations and delivering on them. No surprises, no confusion. Just more approvals, a transparent experience, and support that builds trust on both sides.
We’re not just building a product. We’re building real progress for consumers, for businesses, and for the people behind both.
What we do
Koalafi makes essential purchases possible today, while supporting a stronger financial foundation for tomorrow. We offer flexible, transparent lease-to-own financing that helps people take important steps forward, especially those often overlooked by traditional credit. We’re in it for the long haul, giving customers the opportunity to build their credit, make progress, and feel good about where they’re headed.
When people move forward, the businesses that serve them grow too. By offering lease-to-own financing, we help merchants reduce barriers to purchase, increase conversion rates, and boost overall sales to drive revenue and growth.
Koalafi by the numbers
9 out of 10
of U.S. consumers eligible for our plans1
365 days / year
Merchant support
90th
percentile NPS score in credit and software categories3
Our leadership team
Backed by industry leaders
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
Koalafi offers Lease-To-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi.
*We do perform a credit check as part of our application process. No credit needed does not imply no credit check. 1. Based on internal data collected by Koalafi in November 2021. 2. Based on internal data collected by Koalafi in 2021. 3. Compared to software and credit card companies in Delighted Q3 2022 4. Based on internal data collected by Koalafi through 2021.