Lease-to-own financing

Build it now. Pay over time.

Coilovers, wheels, aero, the full build. Take it home today with a low initial payment and flexible payment options through Koalafi. No credit needed.*

Apply now Shop parts

Or text QYVBAW to 844.223.8937 to apply from your phone.

Approval process that takes seconds High approval rates Early purchase option
Simple. Fast. Transparent.
  • No credit needed*. You don't need established credit to be eligible.
  • Low initial payment to get started
  • Flexible payment options
  • Customer payments reported to TransUnion
See if you're approved

Why builders choose Koalafi

Don't put the build on hold. Koalafi lease-to-own financing lets you get the parts you want now and pay over time.

No credit needed*

You don't need established credit to be eligible for a Koalafi lease.

Approval in seconds

Apply right at checkout with an easy-to-use application and get your decision fast.

Low initial payment

Get your parts moving with a low initial payment, then pay the rest over time.

Flexible payment options

Payment schedules that line up with how often you get paid.

Early purchase option

Want to own your parts sooner? Use the early purchase option outlined in your lease.

Reported to TransUnion

Customer payments are reported to TransUnion.

How it works

Four steps from cart to garage.

Pick your parts

Add the parts for your build to your cart, then choose Koalafi as your payment method at checkout.

Apply in seconds

Enter a few details and see if you're approved, and for how much, almost instantly.

Review & sign

Choose your payment schedule, review your lease terms and cost, and make your low initial payment when you sign.

Get building

We ship your parts. Own them by making all scheduled payments or using the early purchase option.

What you'll need to apply

  • Name, date of birth, phone number and address
  • Social Security number
  • Income details and how often you're paid
  • A non-prepaid debit card

Lease-to-own, explained

With lease-to-own financing, Koalafi purchases the parts from us and leases them to you. You get to use them right away, and you own them once you make all scheduled payments or use the early purchase option.

Your lease agreement spells out your payment schedule and total cost before you sign, so there are no surprises.

Questions

Do I need good credit?
No credit needed.* Koalafi does perform a credit check as part of the application, but you don't need established credit to be eligible.
How do I apply?
Add your parts to the cart and choose Koalafi at checkout. The application is quick and you'll see your decision in seconds. You can also apply now before you shop. Or text QYVBAW to 844.223.8937 to apply from your phone.
When do I own my parts?
You own your parts once you make all scheduled payments, or sooner if you use the early purchase option. Details are in your lease agreement.
What do I pay up front?
A low initial payment is due when you sign your lease. Your full payment schedule and lease cost are shown before you sign.
Are my payments reported?
Yes. Customer payments are reported to TransUnion.
Is Koalafi available everywhere?
Lease terms and availability depend on approval, and details may vary by state.
Can I use Koalafi on any order?
Koalafi is available on eligible orders. Choose it at checkout to see your options. Questions? Contact us and we'll help you plan the build.

Your build won't wait. Neither should you.

Shop parts matched to your chassis and choose Koalafi at checkout. No credit needed.*

Or text QYVBAW to 844.223.8937 to apply from your phone.

Apply nowShop parts

*We do perform a credit check on customers as part of our application process. “No Credit Needed” does not imply no credit check. This is a lease-to-own product. You will not own the leased items unless you make all scheduled payments or prepay in accordance with the lease. Details may vary by state.