For BusinessFor Customers

Offer your customers more than a payment plan

With Koalafi financing, you can help the 121 million non-prime U.S. shoppers1 make life-changing purchases and give them the opportunity to build their credit.^

Meet with us
Over 15,000 retailers offer Koalafi's non-prime financing

We asked our customers to share their financing experience.

Click play to hear what they have to say.2

New to non-prime financing?

Read the guide

Why do millions of non-prime shoppers pay over time with Koalafi?

  • Simple application with transparent, "no surprises" terms

  • Credit-building opportunities with ongoing credit education^

  • Discounts for paying off early - 40% of customers pay off their lease within 90 days

  • Typically a < 30-second wait time for customer support

Ready to learn more?

How it works

Offer Koalafi in-store and online

In-store, customers apply on their own devices by sending a text or scanning a QR code. Online, they can apply before or during checkout. Koalafi has pre-built and custom integrations.

Customers get an instant decision

With a high chance of approval, your customers can get up to $7,500 in financing to shop with you. Payment terms are transparent.

They make flexible payments

We offer 12 and 24 month plans, with incentives for customers to pay off early and save on financing costs. The customer owns the item once it is paid off.

You get more repeat customers

Customers typically get approved for more than they spend on one shopping trip, so we run marketing campaigns to encourage them to shop with you again.

See how easy it is for customers to apply & checkout

View Walkthrough

Frequently asked questions

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

1"The Consumer Credit Card Market." Consumer Financial Production Bureau, September 2021

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

2These are real customers who received a gift card as compensation for sharing their experience. Their results are only representative, individual results and experiences may vary.

*Based on the Google reviews of Koalafi (previously West Creek) as of 5/16/23. This rating may change over time.

Koalafi is not endorsed by, directly affiliated with, maintained, authorized, or sponsored by MIDAS®. 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. MIDAS® and their associated logos are registered trademarks of Midas International, LLC.