Sleep well with MLILY and flexible payments from Koalafi
Financing as low as 0% APR for 12 months plus lease-to-own plans.*
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!
Payment Plans for Everyone
Good to Great Credit
- Flexible loan plans with low monthly payments
- 12-month promotional financing*
- Loans up to $10,000
- $0 down
- 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
Discover our Sleep Products
PowerCool Medium Sleep System
Harmony Chill 3.0
*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 12 months. Must make all payments on time and be in good standing to remain eligible for the 12 month 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. See agreement for details. Koalafi offers Lease-to-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi.
†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.