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Easy Financing for Every Homeowner You Service

Easy Financing for Every Homeowner You Service

Financing is a great way to get more appointments and jobs. But the hassle of multiple providers and applications can turn customers away. Koalafi offers plans for every homeowner, regardless of their credit situation, through a single application so everyone can get work done.

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

Join Waitlist

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.

Convert more leads into appointments

Your customers can apply for financing and receive a decision before their appointments. With a financing plan in hand, they’re more likely to book an appointment and say yes to new installations.

Drive more upgrades and replacements

When your customers need a major upgrade or replacement but balk at the price tag, they often settle for quick fixes instead. With Koalafi, they can split those big expenses into manageable payments instead of putting them off.

Save time and get paid

Koalafi offers the simplest financing experience ever built, ensuring a smooth process for your reps and customers. We pay you directly and collect payments from your customers so you can focus on what you do best.

Benefits built for HVAC businesses

Fast application

A quick, convenient application for every customer.

Promotional rates

Catch your customers’ attention with special options to pay off early and save.

Field training

Convenient online trainings ensure your reps can offer financing products with confidence.

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 live training, and a full suite of marketing resources to tell your customers about Koalafi. Our team can set up your business to offer Koalafi in just a few minutes.
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.
Get paid directly
As soon as the customer confirms they received their product or service, we'll pay you. We take on risks associated with the purchase or service, and will handle payment collection from start to finish.

Learn more about how it works for customers

How It Works

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. Our deferred interest feature lets them pay off the loan before any interest is due, making your products accessible to even more buyers.

  • Credit limits up to $25,000

  • 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 scores


Every customer uses the same application, which decides what products to offer in the blink of an eye. All our plans are on the same platform, so you won’t have to juggle multiple providers.

  • Leases up to $12,000

  • 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

Resources and tips for HVAC pros

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*For qualifying customers only. Offer subject to change. See agreement for details. Koalafi offers Lease-To-Own and Lending solutions. Loans issued by the Bank of Missouri, serviced by Koalafi.

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