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Pay-over-time plans that are simply for everyone

Pay-over-time plans that are simply for everyone

Koalafi offers zero-stress financing for customers from all financial backgrounds. We help customers break essential purchases into managable payments, and unlock new growth potential for our mechant partners.

Our story

Koalafi’s founders came together to solve a problem we had observed countless times.

Financing options available to merchants were overly complex and left out too many people. Many customers were being told “no” or simply giving up, faced with too many applications or steps. Spread-thin merchants were juggling multiple systems, vendors, and data sources, while still leaving sales on the table.

This broken process is what inspired our team to build a single point-of-sale platform with pay-over-time products and services for every type of customer. With a wide range of clear and simple products, Koalafi helps more people quickly get to yes on the first try.

We’ve helped thousands of merchants nationwide make more sales, and given their customers the freedom to finally dream bigger.

What we do

Koalafi offers financing solutions to help more people get the things they need now, whether they have great credit, bad credit, or no credit.*

Koalafi customers enjoy a hassle-free application and a payment plans tailored to them. Our merchant partners save time with our streamlined financing platform and open up a new world of loyal customers.

See how it works

Koalafi by the numbers


of US consumers eligible for our pay-over-time products1


in financing dollars offered to help customers make essential purchases2


percentile NPS rating amongst software and lending companies3


of customers pre-approved for additional financing offers to use at Koalafi merchants4

Backed by industry leaders

Explore career opportunities

Shape the future of fintech

Join Koalafi and change lives one purchase at a time.

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Customer Support

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

Sat 8:00am-8:00pm


Dealer Support



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. Based on the NPS survey performed by Koalafi as of 8/13/2021 and industry benchmarks provided by Delighted. This rating may change over time. 4. Based on internal data collected by Koalafi through 2021.