Koalafi

Koalafi provides flexible pay‑over‑time and lease‑to‑own financing solutions designed for non‑prime consumers. The platform helps retailers increase conversions by enabling customers to purchase items such as furniture, appliances, electronics, and automotive services through accessible installment options. It supports merchants with fast approvals, seamless integration, and transparent processes tailored for higher sales and stronger customer loyalty.

Features

• Flexible pay‑over‑time and lease‑to‑own financing for non‑prime consumers
• High approval rates based on more than traditional credit scores
• Transparent pricing with clear payment schedules
• Multiple purchase options to fit customer budgets
• Approval amounts up to mid‑four‑figure ranges
• Fast merchant payouts once goods are delivered or services completed
• 365‑day merchant support via email, phone, chat, and self‑service
• Marketing support to help merchants attract and convert non‑prime shoppers

Capabilities

• Enables merchants to offer financing directly at point of sale
• Integrates smoothly with existing retail systems
• Automates credit evaluation beyond standard credit checks
• Reports on‑time payments to credit bureaus to help customers build credit
• Supports various retail categories including furniture, mattresses, appliances, electronics, and automotive services
• Handles customer communication and risk management on behalf of merchants

Benefits

• Expands a merchant’s customer base by reaching non‑prime shoppers
• Increases average order value and overall conversion rates
• Reduces merchant financial risk by taking on consumer credit exposure
• Delivers faster sales cycles with quick approvals and payouts
• Improves customer satisfaction through flexible, transparent financing
• Strengthens long‑term loyalty by helping customers build credit history