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How It Works

How It Works

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?

Great, OK, not so good, or non-existent?*

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.

Shop now, pay later.

Apply with Koalafi at one of our thousands of merchant partners to split big expenses into smaller, manageable payments.

We review your application and set you up with 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.

Checkout and make easy payments

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

Financing options that grow with you

A high-limit option for those with better credit

Loans

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

Leases

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

Ask your local business or check their website to see if you can apply with Koalafi.

Don’t Take Our Word For It

Fast and honest and upfront giving people a chance.

Gary W.

It was amazingly fast and customer service is excellent!

Tania B.

Easy, quick approval and payment terms. Truly helped me in time of need without having to touch my emergency fund.

Michelle C.

No financial experience of mine has been more easy or affordable than this. Period.

Terina M.

Fast and honest and upfront giving people a chance.

Gary W.

FAQs

Customer Support

Mon-Fri 8:00am-9:00pm

Sat 8:00am-8:00pm

844.937.8275

Dealer Support

24/7/365

844.238.6500

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.