Auto Service Financing
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Bad Credit, No Credit, OK!

How’s your credit? Great, OK, not so good, or non-existent? Koalafi looks beyond credit scores. With us, you’re just a few quick steps from getting what you need. Apply from anywhere, get approved in seconds, and never miss out on another purchase.

Shop now, pay later.

Apply with Koalafi at one of our thousands of merchant partners to split big expenses into smaller, manageable payments. Share a few pieces of information and we'll instantly deliver a decision on a payment plan, with clear and upfront terms.

We review your application and set you up with a tailored payment plan.

Share a few pieces of information and we'll instantly deliver a decision on a payment plan, with clear and upfront terms.

Checkout and make easy payments.

With our 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!

Frequently Asked Questions and Answers

Can I pay off my lease or loan early?

Yes! You may pay your lease or loan off at any time. Pay early and save.

How do I make payments?

Koalafi accepts several payment methods, including bank account transfers and debit cards.

How do you decide to approve a consumer?

Koalafi has industry-leading approval rates. We understand that you are more than just your credit score. We look at your application and cross-check the information you provide us with data providers and credit bureaus to determine if you get approved and the approval amount.

How long does the approval process take?

Applications are considered right on the spot and approvals usually take less than 10 seconds.

How much can I be approved for through Koalafi?

Qualifying customers may be approved for up to $65,000 in loan funding or $7,500 in lease-to-own funding. The amount of approval depends on factors including income, banking and credit history, length of employment, and verification of contact information.

If I don't have a job, can I still apply?

Yes. Koalafi encourages anyone to apply if you have an income from a reliable source such as retirement or pension.

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 $59 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.

What if I have questions during the application process or after I'm approved?

We’re always happy to help. Please call Koalafi at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday.

What will my payment size be?

Your payment will be determined by your payment frequency, the amount of your loan or lease-to-own financing, and the length of your lease or loan term. Please review your terms and conditions on your agreement for details.

Can I make additional payments, and what is the process?

You can make additional, unscheduled payments at any time. In order to do so, you can contact our Customer Service Team at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday, or click the sign in link in the navigation bar to visit your customer portal. Making additional payments does not eliminate your regularly scheduled payments.