koalafi.com

4.2
4.2 Based on 160 reviews

Koalafi's flexible lease-to-own payment options allow you to pay over time for your important purchases—whether you’re building or rebuilding credit or simply want more flexibility....

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Average Rating

4.2

/
5

160 Reviews

5 Star
70%
4 Star
7%
3 Star
4%
2 Star
2%
1 Star
17%

All Reviews

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Review Time

Amity May
This company is highway robbery. They give you a loan or “lease” that requires 2 monthly payments fo

This company is highway robbery. They give you a loan or “lease” that requires 2 monthly payments for 1 year and the interest is more than borrowed amount. They set those that really need help up for failure. Their practices should be illegal. I would NEVER use them again or recommend them. They are con artists.

1
Date of experience: Feb 21, 2026
John Brown
I purchased a bed with a koalafi lease. Out right i would have spent about 1200 dollars for the bed.

I purchased a bed with a koalafi lease. Out right i would have spent about 1200 dollars for the bed. But with there high interest i paid over 4,000$. Is what it is I needed a decent bed to sleep on. Move down the line I paid my bed off at the end of January was sent a congratulations letter for completing final payment. Here we are 18 days later they say I owe them more money. My bank shows my payments as all completed and getting no where but more and more frustrated trying to communicate with people with broken English. I paid 3,000 in interest your not getting a penny more and I hope the world sees my post and never use this dishonest company

1
Date of experience: Feb 16, 2026
Warning: Avoid Paying If You Face Unexpected Charges

If you find yourself suddenly owing double the price for your item, DO NOT PAY THEM. Here's what happened to me: The company operates not as a typical lender but as a leasing trap designed to make you fail the "90-day" or "120-day" buyout, allowing them to impose exorbitant interest disguised as "leasing fees." I was on a 120-day buyout plan for a $1,500 table. Instead of a single monthly payment, my charges were split into two odd amounts ($130 and $58). When the $58 transaction failed due to a bank error, the company failed to notify me. There were no texts, emails, or calls. They let the 120-day period lapse and reverted my contract to a 12-month lease, demanding over $3,400 for a $1,500 item due to one uncommunicated $58 error. Here’s how I fought back: Customer service was unhelpful, offering only a minor "discount" on the excessive fees. I refused to pay and filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB) for their deceptive practices regarding the billing error. Result: Once the federal complaint was filed, they quickly backed down, waiving over $1,600 in predatory fees and marking my account as "Paid in Full." The Bottom Line: This service thrives on customers being too intimidated or uninformed to stand up for themselves. Their model relies on silence and hidden traps. If you find yourself in a similar situation, file a complaint with the CFPB immediately. Don't let them take your money.

1
Date of experience: Jan 06, 2026
Jacqui Fisher
Caution Advised with This Company

We had no prior knowledge of this company until a troubling incident occurred. They charged our business account nearly $1000 for equipment we never authorized. We reported this as fraud through our bank, and it is currently under investigation. We reached out to them directly with the transaction details, but we were passed around to multiple representatives who provided no clarity or help regarding this fraudulent charge. Exercise caution if you consider doing business with this company, as they either engage in fraudulent practices or have very weak security measures. We remain hopeful that our bank will be able to recover the funds taken from us. Once again, be wary of engaging with them or sharing any account details, as it poses a risk. We wish we could rate them lower than one star.

1
Date of experience: Dec 11, 2025
customer
Good guys very well spoken

Great guys , very well spoken & understand

5
Date of experience: Nov 07, 2025
Joy Ziola
A quick approved application

A quick approved application

5
Date of experience: Nov 07, 2025
Darrell Reed
It was very easy to get things done

It was very easy to get things done

5
Date of experience: Nov 05, 2025
customer
Was easy to apply for the credit

Was easy to apply for the credit

5
Date of experience: Nov 04, 2025
Teresa Jio
The mattress we picked when delivered…

The mattress we picked when delivered was ripped...they didn't have another one to replace it,so they sent another one saying it was a better mattress, but it's not..when I called the salesman he said he no longer works for them so I'm stuck paying 2000 for a PC of crap and the salesman also said my credit wouldn't be ran and it was and it brought my credit score down50 points I'll never use this place ever again

1
Date of experience: Nov 04, 2025
Juanit Crisostomo
I'm actually sleeping 😴 SOooo much good…

I'm actually sleeping 😴 SOooo much good anytime of the day. Too Comfortable Softy Cushion. Added some padding just bcoz I'm used to dressing up my comfort zone, during watching my program on different channels lol 😆

5
Date of experience: Nov 02, 2025

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Business Details

  • Koalafi's flexible lease-to-own payment options allow you to pay over time for your important purchases—whether you’re building or rebuilding credit or simply want more flexibility.

  • call 8449378275
  • language https://koalafi.com

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