No perfect credit needed
Koalafi looks beyond credit scores, so you have a real shot at approval even while building or rebuilding credit.
Enjoy It Now, Pay Over Time
Koalafi Financing
Koalafi offers simple, stress-free lease-to-own financing for your repair. No perfect credit needed, decisions in seconds, and payments that fit your budget.
Options for everyone, even without perfect credit.
Koalafi buys the repair upfront so you get back on the road right away, then you make smaller payments over time. It is a flexible way to handle an unexpected bill without draining your savings.
Instant decisions
Apply from anywhere and get a decision in seconds. No long wait, no paperwork pile.
Lease-to-own simplicity
Koalafi pays for the repair upfront so you drive away today, then you make smaller payments over time.
Save by paying early
Pay off your lease ahead of schedule and save on leasing costs. You own it outright after your final payment.
Clear, simple terms
Review plain-language terms before you sign, with no hidden surprises buried in fine print.
Easy automatic payments
Automated payments begin after your repair is complete, so there is nothing extra to remember.
A few quick steps to approval.
Koalafi keeps the process simple, from a fast application to easy payments after your repair.
Apply with Koalafi
Tell our team you want to use Koalafi. You apply right from your phone in just a few quick steps.
Get an instant decision
Koalafi looks beyond your credit score for a high chance of approval, and you hear back in seconds.
Sign clear terms
If approved, review your simple lease terms and sign. Koalafi covers the repair cost upfront.
Pay over time
Automated payments start once the work is done. Pay it off early to save, and own it after the last payment.
Built for Real Budgets
Get what you need, pay how it works for you.
Whether you are building credit or just want more breathing room, Koalafi gives you a clear path to the repair without putting it off.
High approval odds
Looking beyond credit scores means more drivers get approved and back on the road.
Early payoff savings
Pay your lease off ahead of schedule and save on the cost of leasing.
You own it in the end
After your final payment, the repair is fully yours with nothing left owing.
Prefer installments?
Compare Koalafi with NAPA EasyPay on our financing options page.
Koalafi questions, answered.
No. Koalafi is a lease-to-own option that looks beyond credit scores, so it works well for drivers building credit, rebuilding credit, or who simply want more flexibility.
Drive Safe Today
Ready to pay over time?
Ask our team about Koalafi when you book. We will help you apply in seconds and get your vehicle taken care of right away.