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Join the waitlist

Give more customers the power to pay over time

Koalafi is a brand new approach to financing that provides HVAC payment options to homeowners with great credit, no-credit, and everyone in-between.

We are onboarding new contractors every month, so join the waitlist today.

Your fast pass to growth

Simple set up

We offer online or in-person training, and a full suite of marketing resources to tell your customers about Koalafi. No hardware required.

Instant decisions

Every customer can apply through a single application before or during the appointment and we'll deliver a decision in the blink of an eye. No more juggling multiple applications.

Fast funding

As soon you complete the job, we'll pay you. We also collect your customers' payments from start to finish.

Loyal customers

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

Trusted by

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 $25,000

  • No payment required to complete purchase

  • Mutliple payment schedules to offer

  • 0% interest periods and other promotions may be available

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


With a Koalafi lease, you aren’t just selling a product — you can also offer your customers the 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 $12,000

  • No hard hit to credit when customers apply

  • Opportunity for customers to establish or improve their credit

  • Early purchase options available to help customers save

Join the waitlist

Koalafi is a brand new approach to financing that matches both great credit and no-credit customers to payment plans.

We want to ensure every contractor is set up for success with Koalafi, so we are limiting the number of contractors we bring on every month.

Join the Waitlist

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


* We do perform a credit check on the customer as part of our application process. No credit needed does not imply no credit check.