How It Works
With Koalafi, financing doesn’t have to be confusing or stressful. It's our goal to provide world-class service and an amazing experience for every customer, no matter where they are on their financial journey.
How's your credit?
Great, OK, not so good, or non-existent?*
Koalafi looks beyond credit scores. With us, you’re just a few quick steps from getting what you need. Apply from anywhere, get a decision in seconds, and never miss out on another purchase.
Shop now, pay later.
Apply with Koalafi at one of our thousands of merchant partners to split big expenses into smaller, manageable payments.
We review your application and set you up with a tailored payment plan.
Share a few pieces of information and we'll instantly deliver a decision on a payment plan, with clear and upfront terms.
Checkout and make easy payments
With our high credit limits, you can get exactly the product or service you need. You’ll make convenient regular payments, with options to pay off early and save!
What we offer
Financing options that grow with you
A high-limit option for those with better credit
Loans
With a Koalafi loan, you can split a big purchase into several low payments. You may even qualify for promotional interest offers that help you save.
Credit limits up to $10,000 (higher in certain categories)
Complete your purchase with $0 down
0% interest periods may be available*
Eligible customers can pre-qualify for future loans
A great choice if you’re still building your credit
Leases
A Koalafi lease isn’t just a great way to manage a big expense — it also gives you the opportunity to build your credit. We buy the item and lease it to you, reporting your payments to the credit bureaus.
After the last payment, the item is all yours! We’ll also consider you for future offers.
Leases up to $7,500 (higher in certain categories)
Helps establish and improve your credit
Early purchase options that save you money
Eligible customers can pre-qualify for future leases
Shop with Koalafi
Ask your local business or check their website to see if you can apply with Koalafi.
Don’t Take Our Word For It
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 offers Lease-To-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi.
*For qualifying customers only. Offer subject to change. See agreements for details. Koalafi offers Lease-To-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi.
Customers may have an opportunity to build credit by making on-time payments over the entire agreement term.