How It Works

Applying with Koalafi is easy and straightforward.

  • 1. Fill out a short application

    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.

  • 2. Sign your contract, no surprises

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

  • 3. Check out and make easy 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!

Enjoy it Now, Pay over Time

Why customers love Koalafi
  • No credit needed^
  • On-time payments give you an opportunity to build credit*
  • 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 a lease-to-own purchase option that enables customers to split larger purchases into smaller, manageable payments.

Am I a good fit for Koalafi?

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?

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.

Discover our Sleep Products

  • PowerCool Sleep System

    PowerCool Firm Sleep System

    PowerCool Firm Sleep System

    Firm-feel PowerCool mattress + innovative fan-cooling base for double the cooling power.
    From $5,39900
    From $5,399.00 USD

†Offer applicable to lease product only. You can take advantage of the early purchase option by calling Koalafi at (844) 937-8275 to set up additional payments within the promotional period (often 90 days, though this may vary based on the store & state). If you pay off within this period, then you will only owe the initial payment, purchase price, taxes, & associated fees as outlined in your lease agreement. You must make all payments on time to remain eligible for the promotional period. Lease holders in California have a minimum 92-day early purchase option. For qualifying customers only. See lease agreement for details.

^“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.

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

You may have an opportunity to build credit by making on-time payments over the entire agreement term. Koalafi reports positive and negative payment history to multiple credit bureaus.