Koalafi Finance

How it Works

Applying with Koalafi is easy and straightforward

Quickly Apply

Share a few pieces of personal info and get a decision in seconds. If approved, you can continue shopping or checkout with your pre-qualified amount.

Checking eligibility won’t affect your credit score.

Review your plan

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

Check out and make payments

With high approval amounts, you can get exactly what you need. You’ll make convenient regular payments, with options to pay off early and save!

Payment Plans For Everyone

Good to Great Credit

Flexible loan plans with low monthly payments

6-month promotional financing*

Loans up to $10,000

Building Credit

Opportunity to build credit with no credit needed^,

lease-to-own financing 90-day early purchase option†

Leases up to $5,000 Own the item after final payment

Frequently Asked Questions

What is Koalafi?

Koalafi is a pay-over-time provider, offering loan and lease-to-own payment plans. With Koalafi, customers can split larger purchases into per, manageable payments.

Am I a good fit for Koalafi?

Koalafi offers loan products to customers with excellent to good credit and 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!.

Is there an application or processing fee?

There is not an application fee associated with our loan product. For our lease-to-own product, at the time of submitting an application, a temporary hold of $49 or less will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released.

Who should I contact if I have questions?

Give the Koalafi team a call at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm ET on Saturday.

*You will not be charged interest if you pay your loan balance in full within the promotional period. Must make all payments on time and be in good standing to remain eligible for the promotional period. Interest may be charged at an Annual Percentage Rate (APR) of 0% - 36% beginning on the purchase date. The APR may vary and is subject to increase after consummation. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%–10% of your loan amount. Other fees may apply. See agreement for details. Offer applicable to loan product only. For qualifying customers only. Koalafi offers Lease-to-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi.

Based on the Google reviews of Koalafi (previously West Creek) as of 6/23/2022. This rating may change over time.

†Offer applicable to lease product only. For qualifying customers only. Customers must make all payments on time to remain eligible for the 90-day promotional period. Customers will not own the leased merchandise or acquire ownership rights unless they make all scheduled payments or prepay in accordance with the lease. Lease holders in California have a minimum 92-day early purchase option. 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. Consult your lease for complete terms and conditions.

!High approval rates are based on Koalafi products only. The Bank of Missouri does not offer Lease-To-Own solutions.

Taxes, fees, and other charges may apply. Details may vary from state to state.

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