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Flexible financing for you and your customers

Flexible financing for you and your customers

With Koalafi you can offer pay-over-time plans for all credit types through a single customer application. Enjoy higher conversions, increased sales, and most importantly, giving your customers a great experience.

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How Koalafi works

Flexible setup

Payment plans, marketing support, and a rollout plan tailored to your business. We offer multiple in-store implementation options and pre-built ecommerce integrations.

Instant decisions

It's easy for customers to apply and get a decision in seconds. All of our payment plans are available through our single customer application, simplifying the experience.

Fast funding

We pay your business as soon as the customer receives their product or service.

Loyal customers

We run marketing campaigns that promote your business to your previous customers, bringing them back - again and again.

What we offer

Payment plans for everyone

A high-limit option for customers with better credit


Koalafi loans make big purchases more attractive by letting customers split them into several low payments. Promotional periods help your customers save, making what you offer accessible to even more buyers.

  • Credit limits up to $10,000 (higher in certain categories)

  • No hard hit to credit to check eligibility

  • 0% interest periods and other promotions may be available

  • Eligible customers can pre-qualify for future loans

A great choice for customers new to credit or still building their score


With a Koalafi lease, you are helping more people get the things they need, while also giving them a chance to improve their credit. We buy the item from you and lease it to the customer. They will own it in full after making their last payment.

  • Leases up to $7,500 (higher in certain categories)

  • Opportunity for customers to establish or improve their credit

  • Early purchase options available to help customers save

  • Eligible customers can pre-qualify for future leases

Why your customers will love Koalafi

Up to 90% approval rate*
Payment calculators
Seasonal and promotional offers
Pre-approvals for additional loans or leases
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Where your customers are


  • Mobile-friendly customer application

  • Easy-to-use web portal that can work on any device, including POS systems

  • Our online or in-person training preps your team to offer Koalafi with confidence

  • Printed marketing materials, including clings, posters, and brochures


  • Pre-built integrations for top ecommerce platforms and custom integrations available

  • Customers never have to leave your site to apply

  • Quick and simple application optimized for speed and transparency

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

Industry solutions

Built for your business

Home Furnishings


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.

Customers may have an opportunity to build credit by making on-time payments over the entire agreement term.

*Based on internal data collected by Koalafi in November 2021.