For BusinessFor Customers
You make homes homier. We make financing easier.

You make homes homier. We make financing easier.

With just a single application for customers from all credit backgrounds, it's never been easier to match your customers to a financing plan. With Koalafi, more customers can get esssential comforts, without jumping through hoops.

Offer Koalafi

Match more customers to a payment plan on the first try.

We offer lease and loan products for everyone, all managed through a single provider and application.

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Increase your margin per customer

You work hard to get people into the store. Thanks to Koalafi’s low monthly payments, your customers can enjoy more spending power, without costly discounts.

Offer a seamless omnichannel application

Today’s customers want an effortless transition from online to in-store and vice versa. Koalafi lets them apply for financing and make purchases on either channel without missing a beat.

Give everyone a 5-star experience

Koalafi offers the simplest financing experience, period. Your customers can apply once for a wide range of plans and get a decision in seconds — so easy they’ll tell their friends and family about it.

Benefits built for retail businesses

Fast application

A quick, convenient application for every customer.

Tailored to your business

A menu of pay-over-time plans that make sense for your customer base and goals.

Promotional rates

Special options to pay off early and save that will catch your customers' attention and make it easy to say "yes."


Koalafi works online and in-store, with turnkey omnichannel marketing and ecommerce APIs.

24/7/365 support

No matter what you need and when you need it, we’re available.

No subscription fees

It’s free to get started with Koalafi.

How it works

Simple set-up
We offer online or in-store training, and a full suite of marketing resources to tell your customers about Koalafi. No hardware required. Online businesses can get set up in minutes with our APIs.
One application for every customer
All our payments plans are available through our single application, so you won't have to juggle multiple providers. Every customer can apply and we'll deliver a decision in the blink of an eye.
Fast funding
As soon as the customer receives their product or service, we'll pay you. We also collect your customers' payments from start to finish.
Loyal, repeat customers
We run marketing campaigns that promote your business to your previous customers, bringing them back - again and again.
Explore our products


Where your customers are

In Store

Your customers browse the store differently when they know they have financing options to boost their purchasing power.

  • Get up and running in minutes, with no point-of-sale integration required

  • User-friendly portal works on the devices you already have

  • Online training preps your team to offer financing plans with confidence

  • In-store marketing resources are free to use


How do you convert online customers? By offering managable payment plans and making checkout a breeze.

  • API integrations work with a variety of ecommerce platforms

  • Integrated application that keeps customers on your site

  • Quick and simple application optimized for speed and transparency

  • Marketing resources for every part of the shopper journey, from product pages to checkout

View API docs

Learn more about how it works for customers

How It Works

Don't just take our word for it

"We love it because both the loan AND the lease are in one application. If you want to get a loan for a lot of other financing options you have to fill out a lot of questions and it takes a long time. Koalafi secures approvals for us almost instantly."
- Home Furnishings & More

Retail Resources and Tips

How Top 100 furniture retailer Miskelly increased approval rates with Koalafi

With Koalafi’s non-prime financing, Miskelly Furniture increased approval rates to over 90%.

Merchant Success Stories
Read 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