With Koalafi, financing doesn’t have to be confusing or stressful. It's our goal to provide world-class service and an amazing experience for every customer, no matter where they are on their financial journey.
How's your credit?
Koalafi looks beyond credit scores. With us, you’re just a few quick steps from getting what you need. Apply from anywhere, get a decision in seconds, and never miss out on another purchase.
Apply with Koalafi at one of our thousands of merchant partners to split big expenses into smaller, manageable payments.
Share a few pieces of information and we'll instantly deliver a decision on a payment plan, with clear and upfront terms.
With our high credit limits, you can get exactly the product or service you need. You’ll make convenient regular payments, with options to pay off early and save!
What we offer
A high-limit option for those with better credit
With a Koalafi loan, you can split a big purchase into several low payments. You may even qualify for promtional interest offers that help you save.
Credit limits up to $10,000 (higher in certain categories)
Complete your purchase with $0 down
Payment schedules that work for you
0% interest periods may be available*
A great choice if you’re still building your credit
A Koalafi lease isn’t just a great way to manage a big expense — it also helps you build your credit. We buy the item and lease it to you, reporting your progress to the credit bureaus so your credit score improves.
After the last payment, the item is all yours! We’ll also consider you for future offers.
Leases up to $7,500 (higher in certain categories)
No hard hit to your credit when you apply
Helps establish and improve your credit
Early purchase options that save you money
Shop with Koalafi
Koalafi offers Lease-To-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi.
*For qualifying customers only. Offer subject to change. See agreements for details. Koalafi offers Lease-To-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi.