11/06/2025
Good Approval Rates
Koalafi has good approval rates, and there's no credit needed*. Information is cross-checked with data providers and credit bureaus to determine approval and approval amounts. To be eligible, you must be 18 years of age or older, have a current bank account, a debit card and make at least $1,000 per month from a reliable source.
Convenient Application
Getting started with Koalafi is easy and customer friendly. If approved, we'll let you know within a reasonable amount of time, so you're not waiting on us too long.
Even More Great Features
Koalafi is bigger and better than even, which means that we can now offer you some additional services that you are sure to love. Our applications are now 25% shorter than before, and we've integrated e-commerce solutions to help your online checkout experience go even more efficiently. You can also increase your credit limit with a single click. To learn more about these and all our other additional options, visit our website today!
High Approval Rates
With West Creek Financial it takes only seconds to get approved for up to $7,000 on a lease-to-own contract. More than 80% of applications are approved — even those with low credit scores.
No Hidden Fees
We offer a transparent, and affordable no credit needed financing option. If you pay in full by 90 days, you pay only a $40.00 initial payment, plus the cost of your order. No hidden charges or fees. Or if you’d rather take advantage of our full 12 month financing option, we split your payments evenly over 12 months, making sure that your payments align with your pay schedule. It’s as easy as that!
90-Day Purchase Option or Early Buyout
And with the 90-day purchase option — you can choose to purchase the item within 90 days of delivery and pay only the initial $40.00 payment plus the invoice amount. After 90 days, you may choose the early buyout option and purchase the merchandise at up to 65.00% of the remaining balance on the lease.