Koalifi Financing: Lease-to-Own, No Credit Needed

Koalifi provides a flexible lease-to-own option, making it easier to get the items you need without needing established credit.

Here's how it works:

• No Credit Required: Apply with confidence! Only a soft credit check is performed, which doesn't affect your credit score.
• Easy Application: Apply in-store or ONLINE with two forms of ID (we'll keep a copy of your photo ID).
• Flexible Lease Terms: Choose between a 1-year lease (2.0 multiplier, up to $5,000) or a 2-year lease (2.6 multiplier, up to $7,500).
• Early Buyout Option: Pay off your lease within 90 days of your first payment and receive a 35% discount (excluding the initial fee).
• Initial Fee: A non-refundable application fee of $40 plus tax ($10 plus tax in Lawton) is required and must be paid with a debit card.
• Credit Reporting: Koalifi reports to TransUnion, helping you build credit with responsible payments.
• Credit Limit Increases: Need more spending power? Request a credit limit increase (up to 15% by phone, 10% online).
• Approval Timeline: Pre-approvals are valid for 5 days. Once the initial fee is paid, you have 90 days to complete your purchase, and contracts expire after 150 days (extensions may be available).
• High Approval Rate: Koalifi boasts an 82% approval rate.

Important Notes:

• You can have multiple active leases, but each requires a separate application fee.

Koalifi is a great option if you:

• Are new to credit or have a limited credit history.
• Want a flexible payment plan with a clear payoff date.
• Prefer a lease-to-own agreement over traditional financing.

Questions? Our sales associates are here to assist you!