Koalafi with Snooze. Shop Now. Pay Over Time.

Great credit? OK credit? No credit? Let’s Talk.  Pay over time with financing from Koalafi.

apply now and get a decision in seconds

Good to great credit?

  • Koalafi has flexible loan options with low monthly payments
  • 12 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

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.”

01. Fill out a short application

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

03. Sign your contract, no surprises

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

02. 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.

04. 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!

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

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!.

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.

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.

The Boring Fine Details *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.