Enjoy it now, pay over time
Koalafi's flexible lease-to-own financing allows you to pay over time for your important purchases—whether you’re building or rebuilding credit or simply want more flexibility. No credit needed.*
How it works
A brighter future starts here
Shop in-person or online
Shop with over 28,000 furniture, mattress, appliance, electronics, auto, and tire merchants in-store and online.
Apply in seconds
Answer a few questions to be considered for a payment plan that’s just right for you—all on your phone.
Enjoy early payoff options
Make your low, scheduled payments or choose an option to pay off early and save.‡ On-time payments may give you an opportunity to build credit.†
Build financial confidence
Our credit reporting and credit education can help you take steps toward a brighter financial future. Plus, we offer benefits for returning customers.*
Why finance with Koalafi?
Get what you need, now
No credit needed*
High approval amounts up to $7,500**
Fast decisions using only a few pieces of basic personal information
Clear terms, predictable payments, and no hidden fees, ever
Pay over time on your terms
Budget-friendly, scheduled payments
Multiple options to pay off early and save‡
Review terms privately on your own device
Returns and lease cancellation‡
Take steps toward a better financial future
Credit reporting gives you an opportunity to build your credit†
Credit education resources
Highly-rated customer support
Our commitment to our customers
We believe in a world where no one has to put their important purchase on hold, and everyone has access to information and guidance that helps them move forward.
Read our customer commitment →
Real customers, real 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.
The program described is a rent-to-own (or lease-to-own) transaction. You will not own the leased merchandise or acquire ownership rights unless you make all scheduled payments or prepay in accordance with the lease. Details vary from state to state. Program features are for qualifying customers only. Offer subject to change. Consult your lease for complete terms and conditions.
*We do perform a credit check as part of our application process. No credit needed does not imply no credit check.
**Offer applicable to lease product only. You can take advantage of the early purchase option by calling Koalafi at (844) 937-8275 to set up additional payments within the promotional period (often 90 days, though this may vary based on the store & state). If you pay off within this period, then you will only owe the initial payment, purchase price, taxes, & associated fees as outlined in your lease agreement. You must make all payments on time to remain eligible for the promotional period. Lease holders in California have a minimum 92-day early purchase option. For qualifying customers only. See lease agreement for details.
† You may have an opportunity to build credit by making on-time payments over the entire agreement term. Koalafi reports positive and negative payment history to multiple credit bureaus.
‡Applies to lease only
^For qualifying customers only. Offer subject to change. See agreement for details. ! Based on the TrustPilot reviews of Koalafi (previously West Creek) as of 3/25/25. This rating may change over time.
These are real customers who received compensation for sharing their experience.