📋 How to Apply

Get approved for up to $7,500 in lease-to-own financing in 4 simple steps. No credit check required.

Fill Out the Application

Complete our simple online application in just 2 minutes. You'll need to provide basic information like your name, address, income, and bank account details.

💡 Tip: Make sure your information matches your bank account and ID exactly to speed up approval.

Get Approved Instantly

Our system will review your application and provide a decision within 5 minutes. If approved, you'll receive your spending limit immediately. No credit check is performed!

💡 Tip: Most applicants receive a spending limit between $500 and $7,500.

Shop at Partner Stores

Visit any of our 15,000+ partner stores nationwide. Show your KoalaFi approval at checkout and select the items you want to purchase.

💡 Tip: Use our Store Locator to find partner stores near you.

Make Easy Payments

Choose your payment schedule (weekly, bi-weekly, or monthly) and make payments that fit your budget. Pay in full within 90 days for the same-as-cash price!

💡 Tip: Set up autopay to never miss a payment and build your credit history.

Application Requirements

✅ What You Need

✓ Be 18 years or older
✓ Valid government-issued ID
✓ Active checking account
✓ Regular source of income
✓ Working phone number
✓ Valid email address

❌ What You DON'T Need

✗ Perfect credit score
✗ Credit history
✗ Down payment
✗ Cosigner
✗ Collateral
✗ Long wait times

Ready to Get Started?

Apply now and get approved in as little as 5 minutes. No impact to your credit score.

Start Application →