🎉 Get Approved in 5 Minutes

Lease-to-Own Financing Made Easy

Get up to $7,500 with 0% interest if paid within 90 days. No credit check required.

• Trusted by 1M+ customers

✓ No Credit Check
✓ Instant Decision
✓ Build Your Credit
✓ 15,000+ Stores
KoalaFi Logo - Lease-to-Own Financing

Apply Now - It's Free!

Takes less than 2 minutes

⭐
A+
BBB Rating
💰
$7,500
Max Approval
⏱️
90 Days
0% Interest
🏪
15,000+
Retail Partners

Choose the Right Financing for You

We offer multiple financing options for furniture, tires, electronics, and more.

🛋️

Furniture Financing

Finance sofas, beds, tables, and all types of furniture.

  • Up to $5,000 limit
  • Up to 12 months to pay
  • Approved in 5 minutes
Apply Now
🚗

Tire & Auto Financing

Finance tires, wheels, and auto repairs.

  • Up to $7,500 limit
  • 0% interest for 90 days
  • No credit check
Apply Now
📱

Electronics Financing

Finance phones, computers, and IT equipment.

  • Up to $3,000 limit
  • Easy approval for everyone
  • Build your credit history
Apply Now

How It Works

Just 4 simple steps to get your financing and start shopping.

Person filling out loan application on smartphone - quick and easy process
1

Fill Out Application

Enter your personal and income information. Takes less than 2 minutes.

Approved notification on phone screen - instant approval in 5 minutes
2

Get Approved

Our system reviews and approves your limit within 5 minutes.

Happy woman shopping with bags - shop at 15000 partner stores
3

Shop

Choose products from over 15,000 retail partner stores.

Person making online payment - flexible payment options available
4

Pay Over Time

Make monthly payments, or pay in full within 90 days for 0% interest.

Why Choose KoalaFi?

We provide fair, transparent financing that helps you build credit along the way.

  • 🚀

    Approved in 5 Minutes

    No waiting. Get instant results. Easy mobile application.

  • 📊

    Build Your Credit History

    We report your payments to TransUnion every month.

  • 💵

    0% Interest if Paid in 90 Days

    Pay in full within 90 days with no extra charges.

  • 🔒

    Safe & Trusted

    BBB A+ rated and trusted by millions of customers.

Happy couple sitting on their new sofa purchased with KoalaFi lease-to-own financing
BBB A+ Rating Badge - Accredited Business

🧮 Calculate Your Payments

See how much you'll pay monthly and how much you'll save by paying within 90 days.

Apply Now →

Industries We Serve

KoalaFi partners with thousands of retailers across multiple industries to bring you flexible financing options.

Modern living room furniture - sofas and sectionals available with KoalaFi financing

Furniture

Living room sets, bedroom furniture, dining tables, mattresses, recliners, and home décor from top furniture stores.

  • Sofas & Sectionals
  • Bedroom Sets
  • Dining Room
  • Mattresses
  • Home Office
New car tires and wheels - tire financing available with no credit check

Tires & Automotive

New tires, wheels, rims, auto repairs, brake services, and automotive accessories from trusted tire shops.

  • All-Season Tires
  • Performance Tires
  • Wheels & Rims
  • Brake Services
  • Auto Repairs
Latest electronics - smartphones, laptops, tablets with easy financing

Electronics

Smartphones, laptops, gaming consoles, TVs, tablets, and the latest tech gadgets from electronics retailers.

  • Smartphones
  • Laptops & PCs
  • Gaming Consoles
  • Smart TVs
  • Tablets
Home appliances - refrigerators and kitchen appliances with lease-to-own options

Appliances

Refrigerators, washers, dryers, dishwashers, and kitchen appliances from major appliance dealers.

  • Refrigerators
  • Washers & Dryers
  • Dishwashers
  • Ovens & Ranges
  • Small Appliances
Fine jewelry - engagement rings, wedding bands with flexible financing

Jewelry

Engagement rings, wedding bands, watches, necklaces, and fine jewelry from reputable jewelers.

  • Engagement Rings
  • Wedding Bands
  • Watches
  • Necklaces
  • Earrings
Medical and dental services - healthcare financing options available

Medical & Dental

Medical equipment, dental procedures, vision care, hearing aids, and healthcare services.

  • Dental Work
  • Vision Care
  • Hearing Aids
  • Medical Equipment
  • Cosmetic Procedures

What is Lease-to-Own Financing?

Lease-to-own (LTO) is a flexible financing option that allows you to take home the products you need today and pay for them over time, with the option to own them outright.

Unlike traditional financing, lease-to-own programs like KoalaFi don't require perfect credit. We look at factors beyond your credit score, including your income and banking history, to determine your approval.

How Lease-to-Own Works:

  1. Apply Online: Complete a quick application in under 2 minutes with basic information about yourself and your income.
  2. Get Approved: Receive an instant decision on your spending limit, typically within 5 minutes.
  3. Shop at Partner Stores: Use your approved amount at any of our 15,000+ retail partner locations.
  4. Make Payments: Choose weekly, bi-weekly, or monthly payments that fit your budget.
  5. Own Your Items: After completing all payments, you own the items outright.

Key Benefits of Lease-to-Own:

  • No credit check required for approval
  • Take home products immediately
  • Flexible payment schedules
  • Build credit history with on-time payments
  • 90-day same-as-cash option available

💡 Did You Know?

Over 100 million Americans have limited or no access to traditional credit. Lease-to-own provides a path to essential purchases without requiring perfect credit.

📊 By The Numbers

  • $7,500 max approval limit
  • 5-minute approval process
  • 15,000+ retail partners
  • Millions of satisfied customers

90-Day Same-As-Cash: Save Hundreds

Pay off your purchase within 90 days and pay only the retail price - no extra fees or interest.

💰 Example: $1,000 Purchase

90-Day Payoff

$1,000

Pay the retail price only

  • ✓ No interest charges
  • ✓ No additional fees
  • ✓ Same as paying cash
You Save: $800+

Full Lease Term

$1,800

12-month lease payments

  • • $150/month × 12 months
  • • Includes lease fees
  • • Still builds credit

🎯 Tips to Pay Off in 90 Days

1. Set Up Auto-Pay

Schedule automatic payments to ensure you never miss a due date and stay on track for early payoff.

2. Make Extra Payments

Any extra payments go directly toward your principal, helping you pay off faster.

3. Use Tax Refunds or Bonuses

Apply windfall money to your balance for a quick payoff and maximum savings.

4. Track Your Progress

Monitor your payoff timeline in the KoalaFi portal to stay motivated and on schedule.

Who Qualifies for KoalaFi?

We believe everyone deserves access to the things they need. Our approval process is designed to be inclusive.

✅ Basic Requirements

  • 🎂
    Age 18 or Older

    You must be at least 18 years old to apply

  • 🏦
    Active Bank Account

    Checking account in good standing for at least 90 days

  • 💵
    Regular Income

    Verifiable income from employment, benefits, or other sources

  • 📧
    Valid Contact Info

    Working email address and phone number

  • 🏠
    US Residency

    Valid US address (all 50 states eligible)

✓ You CAN Apply If:

  • You have bad credit or no credit
  • You've been denied traditional financing
  • You're rebuilding your credit
  • You're new to the US
  • You receive government benefits
  • You're self-employed

📋 What You'll Need:

  • Social Security Number
  • Bank account details
  • Income information
  • Valid ID

KoalaFi vs. Other Financing Options

See how KoalaFi compares to credit cards, traditional loans, and other lease-to-own providers.

Feature KoalaFi Credit Cards Personal Loans Other LTO
Credit Check Required ❌ No ✓ Yes ✓ Yes Varies
Approval Time ⚡ 5 Minutes Days-Weeks Days-Weeks Minutes-Hours
Max Amount $7,500 Varies Varies $1,500-$5,000
90-Day Same-as-Cash ✓ Yes ❌ No ❌ No Some
Builds Credit ✓ TransUnion ✓ All 3 Bureaus ✓ All 3 Bureaus Varies
Retail Partners 15,000+ Universal Universal 1,000-10,000
BBB Rating A+ Varies Varies A to F

Build Your Credit with KoalaFi

Every on-time payment is reported to TransUnion, one of the three major credit bureaus. This helps you establish or rebuild your credit history.

How Credit Building Works:

When you make payments on time, we report your positive payment history to TransUnion. Over time, this can help improve your credit score and open doors to better financing options in the future.

Month 1-3
Account opens and first payments reported
Month 4-6
Payment history starts building
Month 7-12
Credit score may begin improving
After Payoff
Account closed in good standing
Person checking credit score improvement on smartphone after using KoalaFi

📈 Credit Building Tips

Always Pay On Time

Payment history is the biggest factor in your credit score. Set up reminders or auto-pay to never miss a due date.

Keep Balances Low

Lower utilization ratios are better for your credit. Pay down balances when possible.

Monitor Your Credit

Check your credit report regularly at AnnualCreditReport.com for free.

Be Patient

Building credit takes time. Consistent positive behavior over months will show results.

Real Customer Success Stories

See how KoalaFi has helped thousands of families achieve their goals

The Johnson family relaxing on their new sectional sofa in their living room
Featured Story

The Johnson Family's New Living Room

"We'd been putting off buying new furniture for years because we couldn't afford to pay thousands upfront. KoalaFi changed everything. We got approved for $4,500 in just minutes and picked out a beautiful sectional sofa and coffee table that same day."

The Johnsons used KoalaFi's 90-day same-as-cash option and paid off their entire balance in 85 days, saving over $600 in lease fees. Their credit score improved by 45 points.

$4,500 Approved Amount
85 Days Paid Off
+45 Credit Increase

— Marcus & Tanya J., Atlanta, GA

Carlos R. smiling after purchasing new tires with KoalaFi

Carlos R. - New Tires for His Family Car

"My tires were bald and I was worried about my family's safety. KoalaFi got me approved when the credit card company said no. Best decision ever."

Houston, TX
Jennifer M. happy with her new laptop purchased through KoalaFi

Jennifer M. - Laptop for Her Online Business

"I needed a laptop to start my freelance business but didn't have savings. KoalaFi helped me invest in myself. Now I make more than my old job!"

Denver, CO
Robert T. proud of his new mattress from KoalaFi financing

Robert T. - First Quality Mattress in Years

"I'd been sleeping on a 15-year-old mattress. My back pain is gone now. The weekly payments were so easy to manage."

Phoenix, AZ

What Our Customers Say

Join millions of satisfied customers who have used KoalaFi for their financing needs.

⭐⭐⭐⭐⭐

"Super easy to apply! Got approved in 5 minutes and bought my new sofa right away!"

Sarah M. - Satisfied KoalaFi customer from Texas

Sarah M.

Furniture Purchase - Texas

⭐⭐⭐⭐⭐

"Had bad credit but still got approved. Paid it off and my credit score actually improved!"

Mike T. - Happy KoalaFi customer from California

Mike T.

Tire Purchase - California

⭐⭐⭐⭐⭐

"Paid in full within 90 days - zero interest! So worth it. Already recommended to friends."

Jessica R. - Satisfied KoalaFi customer from Florida

Jessica R.

Electronics Purchase - Florida

⭐⭐⭐⭐⭐

"Needed new tires urgently but didn't have the cash. KoalaFi saved me! Easy payments fit my budget perfectly."

David L. - Happy KoalaFi customer from Ohio

David L.

Tire Purchase - Ohio

⭐⭐⭐⭐⭐

"As a single mom, I couldn't afford a new washer upfront. KoalaFi made it possible with affordable weekly payments."

Maria G. - Satisfied KoalaFi customer from Arizona

Maria G.

Appliance Purchase - Arizona

⭐⭐⭐⭐⭐

"Got my engagement ring through KoalaFi! The 90-day payoff option meant I paid zero extra. My fiancée loves it!"

James K. - Happy KoalaFi customer from Nevada

James K.

Jewelry Purchase - Nevada

Shop at 15,000+ Partner Stores

KoalaFi is accepted at thousands of retailers nationwide, from local shops to major chains.

Furniture showroom with sofas and home decor

Furniture Stores

Ashley Furniture, Rooms To Go, Bob's Discount Furniture, local furniture retailers, and more.

Auto repair shop with cars and tire service

Tire & Auto Shops

Discount Tire, Tire Kingdom, local tire dealers, auto repair shops, and service centers.

Electronics store with phones and gadgets on display

Electronics Retailers

Local electronics stores, phone dealers, computer shops, and gaming retailers.

Appliance store with refrigerators and washers

Appliance Dealers

Major appliance retailers, local appliance stores, and home improvement centers.

Can't find a store? Contact us and we'll help connect you with a partner near you.

Find Stores Near Me →

Frequently Asked Questions

Everything you need to know about KoalaFi financing.

Application & Approval

Who can apply for KoalaFi financing?

Anyone 18 years or older with an active bank account and regular income can apply. You don't need good credit history - we consider multiple factors beyond your credit score.

How long does approval take?

Most applications receive a decision within 5 minutes. In some cases, additional verification may be needed, which can take up to 24 hours.

What information do I need to apply?

You'll need your Social Security Number, bank account information, income details, and valid contact information (email and phone).

Will applying hurt my credit score?

No, applying for KoalaFi does not perform a hard credit inquiry, so your credit score won't be affected by the application.

What is the maximum approval amount?

Approval amounts range from $300 to $7,500, depending on various factors including income, banking history, and state regulations.

Payments & Costs

What is the 90-day same-as-cash option?

If you pay off your entire balance within the first 90 days, you only pay the retail price of the item - no additional lease fees or interest. This is the best way to save money.

What payment frequencies are available?

You can choose weekly, bi-weekly, or monthly payments based on your pay schedule and preference.

Can I make extra payments?

Yes! You can make additional payments at any time with no prepayment penalties. Extra payments help you pay off faster and save money.

Credit Building

Does KoalaFi report to credit bureaus?

Yes, we report your payment history to TransUnion, one of the three major credit bureaus. On-time payments can help build your credit history.

How soon will I see credit improvements?

Credit building takes time. Most customers see their payment history reflected on their credit report within 30-60 days. Significant score improvements typically take 6-12 months of consistent on-time payments.

What happens if I miss a payment?

Late payments may be reported to the credit bureau and could negatively impact your credit score. If you're having trouble making payments, contact us immediately - we may be able to help.

Shopping & Products

Where can I use KoalaFi?

KoalaFi is accepted at over 15,000 retail partner locations across the US, including furniture stores, tire shops, electronics retailers, appliance dealers, and more.

Can I use KoalaFi online?

Yes, many of our partner retailers offer online shopping with KoalaFi financing at checkout.

What products can I finance?

You can finance furniture, mattresses, tires, wheels, electronics, appliances, jewelry, and more. Some restrictions may apply based on the retailer and product category.

When do I get my products?

Once approved, you can take your products home the same day (for in-store purchases) or have them shipped according to the retailer's delivery schedule.

Why Millions Trust KoalaFi

⭐

A+ BBB Rating

Accredited by the Better Business Bureau with an A+ rating, demonstrating our commitment to customer satisfaction and ethical business practices.

🔒

Bank-Level Security

Your personal and financial information is protected with 256-bit SSL encryption and industry-leading security protocols.

📞

US-Based Support

Our customer service team is based in the United States and available to help you via phone, email, or chat.

✓

Transparent Terms

No hidden fees or surprises. We clearly disclose all costs upfront so you know exactly what you're paying.

BBB Accredited Business A+ Rating
SSL Secure 256-bit Encryption
🇺🇸 US-Based Company
💳 PCI DSS Compliant

Ready to Get Started?

Apply in less than 2 minutes. Get your decision instantly. No credit check required.

Apply Now →

Join millions of customers who trust KoalaFi for their financing needs.