Financing a big purchase shouldn’t mean filling out endless forms and jumping through hoops. Whether you have excellent or no credit, Koalafi makes life-changing purchases accessible through instant decisions, clear and simple terms, and flexible monthly payments.*
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.*
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.
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
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.
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.
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.
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.