How to use your Koalafi lease card
Create a one-time use Koalafi lease card to checkout at your favorite participating retailer and pay over time with no credit needed. Just follow the steps below.
Get approved for a Koalafi lease card
Browse the Koalafi Marketplace and click "Shop Now" at any participating retailer, use the "Get My Card Number" link in a Koalafi email, or scan the QR code on in-store materials to start your application.
If you already have a pre-approved lease amount, start a new application just to verify your shopping power.
If you're a new customer, it only takes a few minutes to start an application and see if you are approved for a new lease.
Shop and get ready to check out
Shop at your selected retailer as usual. Add items to your cart up to your approved lease amount, keeping your total — including taxes — within that limit.
When you're ready to check out, head back to your Koalafi application to get your lease card Mastercard number. You'll use it as your payment method at checkout.
Add item details to your lease application
Almost there! To create your lease card number, we'll need a few details about what's in your cart. For each item, enter the following:
What you’re buying, using a short description
How many you’re buying
The total price
Repeat this step for each item in your cart.
Get your Koalafi lease card number
Just confirm your cart, sign your lease agreement, and follow the prompts to complete your application. Your lease card number will appear at the end.
You're almost done! Use the Mastercard number shown in your Koalafi application to complete your purchase at your selected retailer. Just remember, your lease card number is good for one purchase at your selected retailer and expires within 24 hours.
A brighter future starts here
The benefit of shopping with Koalafi lease-to-own
Life doesn’t wait, and neither should you. Koalafi’s lease-to-own payment option helps you bring home what you need today with a flexible, transparent path to ownership. Plus, checking your eligibility won't impact your FICO score.1
No credit needed: Koalafi looks at more than just your credit score.2
Flexible purchase options: Options to pay off your lease early and save.3
No surprises, no gotchas: Koalafi tells you everything up front: total cost, scheduled payments, and any other fees.
Credit reporting: On-time payments may give you an opportunity to build credit.4
Koalafi Lease Card FAQs
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 is not endorsed by, directly affiliated with, maintained, authorized, or sponsored by any of the merchants listed above. All product and company names are trademarks (TM) or registered® trademarks of their respective holders. Use of these marks does not imply any affiliation with or endorsement of Koalafi by these holders.
1 While submitting an application won’t affect your FICO score, lenders, financiers, or lease providers may obtain information from non-traditional consumer reporting agencies in connection with your application prior to approval.
2 Koalafi offers flexible payment options through rent-to-own (or lease-to-own) transactions. Koalafi’s lease-to-own plans are not offered in VT, MN, NJ, or WI. Some additional state-level restrictions may apply. Lease-to-own (rent-to-own) financing is not a loan but charges a leasing cost in addition to the purchase price. To acquire ownership, you must make all scheduled rental payments, or prepay in accordance with the lease agreement to save on leasing cost. Program features are for qualifying customers only. Consult your lease for complete terms and conditions. Offer subject to change.
3 Offer applicable to lease product only. A customer can take advantage of the early purchase option by calling Koalafi at (844) 937-8275 to set up additional payments within the promotional period (often 90 days, though this may vary based on the store & state). If they pay off within this period, then they will only owe the initial payment, purchase price, taxes, & associated fees as outlined in your lease agreement. The customer must make all payments on time to remain eligible for the promotional period. Lease holders in California have a minimum 92-day early purchase option. For qualifying customers only. See lease agreement for details.
4 You may have an opportunity to build credit by making on-time payments over the entire agreement term. Koalafi reports positive and negative payment history to multiple credit bureaus.
If issued a Koalafi virtual card, you are an authorized user. The card is issued to the authorized user solely for use in purchasing merchandise on behalf of Koalafi for purposes of leasing those items to the user pursuant to a lease-to-own/rental purchase agreement. The Koalafi virtual card is not a credit card and no line of credit is being provided or extended to you. All terms of payment applicable to you arise solely from your lease-purchase agreement. The Koalafi virtual card is issued by Patriot Bank, N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Use of this card is subject to, and constitutes your agreement with, the terms and conditions of your lease-to-own/rental purchase agreement with Koalafi.
The Koalafi virtual card is issued by Patriot Bank , N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Use of this card is subject to, and constitutes your agreement with, the terms and conditions of your lease-to-own/rental purchase agreement with Koalafi.