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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. With powerful tech and a refreshingly simple application, we help customers break up essential purchases into manageable payments, and unlock growth for our merchant partners.

Our story

With diverse tech and consumer finance backgrounds, Koalafi’s founders brought fresh perspectives to a frustrating problem merchants and their customers faced time and time again.

Financing options were overly complex, while at the same time leaving out too many people. Many customers were being told “no” or simply giving up, faced with too many applications or steps. Merchants were juggling multiple systems, vendors, and data sources, and losing out on sales.

This broken process is what inspired our team to build a single point-of-sale financing platform offering loans and leases to every type of customer. With a wide range of clear and simple payment plans, Koalafi helps more people quickly get to "yes."

We’ve helped thousands of merchants nationwide grow their businesses, and given their customers the freedom to dream bigger.

What we do

Koalafi offers technology-led 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 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 U.S. consumers eligible for our plans1


Net promoter score3


Merchant support

Backed by industry leaders

Explore career opportunities

Shape the future of fintech

Join Koalafi and change lives one purchase at a time.

Learn More

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. 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.