0% financing available.
No Credit Needed.
Applying won't affect your credit score.
How it works
How’s your credit? Great, OK, not so good, or non-existent?
Koalafi looks beyond credit scores. With us, you’re just a few quick steps from getting what you need. Apply from anywhere, get approved in seconds, and never miss out on another purchase.
Shop now, pay later.
Simply just text VJNNB to 844.223.8937 and you will receive an application link via text.
Get approved for up to $4,000.
Our application is fast and easy to complete, and won't harm your credit. You could get approved for $300 to $4,000 of shopping power by meeting these basic requirements:
An active checking account with at least $1,000 of income per month
3 months of income history with your current source of income
Government-issued photo ID and an SSN or Taxpayer Identification Number.
Get what you need, when you need it
NO CREDIT NEEDED - APPLYING DOESN'T HURT YOUR SCORE
No matter your credit history, you can still get approved for up to $5,000
PAYMENTS TO MATCH YOUR SCHEDULE
Make affordable payments over time or take advantage of an early buyout discount.
We want it to work for you and your schedule.