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
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
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.
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.