Stores that accept Koalafi

Koalafi (formerly West Creek) lets you lease furniture, mattresses, tires and appliances and own them after 12 to 24 months or sooner. Here are the US stores we have confirmed offer it online, what it costs and what to watch out for.

  • 216 stores confirmed
  • List checked Nov 11, 2026
  • US stores only

Koalafi at a glance

Cost
More than cash price

Paying the full term costs more than the cash price. The early buyout in the first 90 days or so costs the least.

Credit check
Alternative bureaus

Koalafi checks alternative credit bureaus: a soft inquiry to prequalify and a hard inquiry when you sign. Payments are reported to TransUnion.

Approval
Up to $7,500

You need $1,000 a month in income, a checking account at a physical bank, an SSN or ITIN and 60+ days at a US address.

Initial payment
$79 or less

A debit-card hold of $79 or less becomes your initial payment.

Plans

  • 12, 18 or 24 months to ownership Payments follow the pay cycle you choose when you apply.
  • Early buyout Buy within the first 90 days (often) for the item price, tax, the initial payment and an early-buyout fee of up to about $50 to $79.

Checked Nov 11, 2026. Sources: Koalafi for customers; Koalafi consumer FAQs; How Koalafi works

Watch out for

  • Koalafi signing is a hard credit inquiry, and payments are reported to TransUnion.
  • Paying the full 12 to 24 months costs much more than the cash price. Use the early buyout if you can.
  • You need at least $1,000 a month in income and a checking account at a physical bank.
  • Not available in Minnesota, New Jersey, Vermont or Wisconsin. Koalafi is not a loan.

How it works

  1. Apply with Koalafi at a participating store's checkout or financing page.
  2. Koalafi prequalifies you with a soft check; signing the lease is a hard inquiry.
  3. A debit-card hold of $79 or less becomes your initial payment.
  4. Pay on your pay cycle, or buy early to save.

Stores that take Koalafi

Each store was checked on its own website. The date shows when we last checked. Stores can stop offering Koalafi, so confirm at checkout.

All stores 216 stores

Showing 24 of 216

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Each category page lists every store we have checked, with all the ways to pay there, not just Koalafi.

Questions people ask

Is Koalafi a loan?

No. Koalafi's lease is not a loan or line of credit. You own the item after the full term or by buying it early.

Does Koalafi check credit?

Yes. It uses alternative credit bureaus: a soft inquiry to prequalify and a hard inquiry when you sign. Payments are reported to TransUnion.

How much does Koalafi cost?

More than the cash price over the full term. Buying early, usually within 90 days, costs the item price, tax, the initial payment and a small early-buyout fee.

Where isn't Koalafi available?

Minnesota, New Jersey, Vermont and Wisconsin.

CompareOther lease-to-own optionsSee how Koalafi compares with Acima, Progressive Leasing, Katapult, Snap Finance, Kafene and more.

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