Koalafi

Washington, District of Columbia, USA · ≈280 employees · koalafi.com

Koalafi is a private fintech company founded in 2014, originally as West Creek Financial, and rebranded in 2021. Headquartered in Richmond, Virginia, Koalafi provides transparent lease-to-own and second-look loan financing solutions. These services are designed for non-prime consumers, enabling them to make essential purchases while helping merchants boost sales and enhance customer loyalty. The company operates a "clear path to ownership" model, offering flexible pay-over-time plans that allow customers to receive products immediately and repay in installments. Payments are reported to credit bureaus, helping customers build their credit profiles. Koalafi serves a diverse customer base, including individuals with limited credit histories and retail dealers in sectors like furniture, mattresses, and appliances. The company also supports merchants with user-friendly web applications and dedicated service teams available around the clock.