A fresh approach to financing
Financing for almost any credit background
Got fantastic credit? Great! Not-so-good credit? We’ve got payment plans for you too. No credit? Koalafi is the perfect place to start.*
High approval rates
How do we have one of the highest approval rates in the industry? Simple: we put sophisticated technology to work on your behalf and look at more than just your credit score.1
No surprises, no gotchas
When you sign up for a Koalafi plan, we tell you everything up front: total cost, scheduled payments, and any other fees.
“No financial experience of mine has been more easy or affordable than this. Period."
What you'll love
Get what you need today, pay over time
- More purchasing power
- Our high credit limits make it easy to complete a room, tackle a dream project, or keep your car running smoothly and safely.
- Easy automatic payments
- Access your account anytime, set up automatic transfer, and let your payments take care of themselves.
- Pre-approvals for future offers
- We’ll consider you for future offers without a hit to your credit.
- Access to special discounts
- Special promotions may be available to Koalafi customers at our merchant partners.
How it Works
Apply in person or online
Visit one of our merchant partners and ask to finance a purchase through Koalafi. You can fill out an application right there in the store or on their website.
We'll review your application and offer a tailored payment plan
Share a few pieces of information and we'll instantly deliver a decision on a payment plan, with clear and upfront terms, and different payment options.
Check out and make easy monthly payments
With our high credit limits, you can get exactly the product or service you need. You'll select the plan that works for you and make convenient regular payments, with options to pay off early and save.
Reviews
FAQs
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. ^For qualifying customers only. Offer subject to change. See agreement for details. 1. High approval rates are based on Koalafi products only. The Bank of Missouri does not offer Lease-to-Own solutions.