Check your eligibility

Only fill out one application with Koalafi
to get a decision in seconds

Good to great credit?
  • Koalafi has flexible loan options with low monthly payments
  • 6 month promotional financing✝
  • Credit lines upto $10,000
  • $0 down
Building credit?
  • Opportunity to build with Koalafi's no credit needed, lease-to-own financing
  • 90 day early purchase option*
  • Leases up to $7,500
  • Own the item after final payment

With Koalafi, taking care of
your car doesn’t have to
break your budget.

Financing for almost any credit background:

We’ve got loan and lease options that work for any credit background.

!High approval rates:

Our technology allows us to make more-informed decisions about applicants.

Clear pricing, no gotchas:

You’ll know about your monthly payment amounts, fees, and the total cost before you agree to anything.

How It Works

Applying with Koalafi is easy and straightforward


Fill out a short application

Have a few pieces of personal info ready. Apply while you shop or at checkout.

Get a decision in seconds

Once you submit your application you will get a decision in seconds. If approved, you can continue shopping with your pre-approved amount.


Sign your contract, no surprises

You’ll be able to review your full contract details before signing your agreement.

Checkout and make easy payments

With 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!


Here’s why Koalafi customers say, “of course I’d recommend them.”

“No financial experience of mine has been
more easy or affordable than this. Period.”

Apply now and get a decision in seconds.

*For qualifying customers only. You will not own the leased merchandise or acquire ownership rights unless you make all scheduled payments or prepay in accordance with the lease. Lease holders in California have a minimum 92-day early purchase option. Details may vary from state to state. Consult your lease for complete terms and conditions. Taxes, fees, and other charges may apply. Koalafi offers Lease-to-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi. Offer applicable to loan product only. For qualifying customers only. You will not be charged interest if you pay your loan balance in full within 6 months. If you do not, interest will be charged at an Annual Percentage Rate(APR) of 29.99% beginning on the purchase date. The APR may vary and is subject to increase after consummation. See agreement for details. ^We do perform a credit check on the customer as a part of our application process. “No Credit Needed” does not imply no credit check. !High approval rates are based on Koalafi products only. The Bank of Missouri does not offer Lease-To-Own solutions.