The perfect payment plan for a perfect night's sleep

Lease-to-own financing for customers building credit

High chance of approval for up to $5,000
How It Works
Get an instant decision

Quickly apply for a lease up to $5,000. Koalafi looks beyond credit to give you a high chance of approval.

Review clear terms upfront

If approved, you'll be able to review clear and simple terms before signing the agreement and placing your order.

Make flexible payments

Make a low initial payment then split the cost into regular rental payments. Pay off your lease early to save.

Why Koalafi
A Koalafi lease isn’t just a great way to manage a big expense—it can also help you build your credit.
No credit needed
High Chance of Approval
No Hidden Fees, No surprises
Discounted early purchase options
Don't just take our word for it

Koalafi is trusted by 15,000 retailers and their customers. See what Koalafi customers have to say.

Easy, quick approval and payment terms. Truly helped me in time of need without having to touch my emergency fund.

Michelle C.

verified customer

I know many people are trying to build their credit and this is an amazing way to do it!

Josephina P.

verified customer

Since doing business with Koalafi I’ve gotten great customer service and good deals. Of course I’d recommend them to my peers.

Paula W.

verified customer
After Checkout

Koalafi will ship your order and send you a confirmation email with tracking information

Frequently Asked Questions
What is Koalafi?
Koalafi is a pay-over time provider, offering lease-to-own payment plans. With Koalafi, customers can rent the items from Koalafi to make larger purchases more manageable.
Am I a good fit for Koalafi?
Koalafi offer leases to customers who are still building credit. You do not need credit to be eligible for a Koalafi lease. Our technology allows us to make more informed decisions about applicants, resulting in high approval rates!
What do I need to apply?
At the time of application, you will need to have your personal information, income details, bank and debit card information, and initial payment.
Who should I contact if I have questions?
Give the Koalafi team a call at 844.937.8275 between 8:00am and 9:00pm ET Monday through Friday, or 8:00am to 8:00pm ET on Saturday.