Koalafi
Processes consumer loans, financing, and payment plans with secure workflows.
The go-to lease-to-own checkout option for durable-goods retailers who want to close sales with non-prime customers at zero subscription cost.
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Koalafi — lease-to-own point-of-sale financing platform for merchants.
Koalafi is a B2B lease-to-own (not loan) financing solution that lets retailers offer flexible payment options at checkout for durable goods like furniture, appliances, and tires — targeting the roughly 40% of U.S. adults underserved by traditional credit. The DB mislabels it as a generic 'consumer loans' processor and categorises it under 'Financing companies'; it is actually a merchant-facing BNPL/lease-to-own platform for retailers in physical goods verticals. Pricing is also mislabelled as 'Freemium/Free Trial' — there is no subscription fee but merchants pay a 2–6% merchant discount rate (MDR) per transaction.
Zero-subscription entry, fast merchant funding, and full credit-risk transfer make Koalafi genuinely low-friction for retailers. The Synchrony co-application integration (2025) broadens checkout coverage across prime and non-prime customers in one flow.
The 2–6% MDR erodes margins on low-ticket items; transparent consumer lease costs can be high, which sophisticated shoppers may reject. Approval is limited to durable goods categories — not a general-purpose BNPL.
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Alternatives
Synchrony Financial for full-spectrum consumer credit with private-label cards and broader credit tiers.
Affirm or Afterpay for mainstream BNPL without lease-to-own structure and simpler consumer terms.
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