Koalafi Lease-to-Own for Wheels & Tires
Shop now. Pay over time with Koalafi.
No credit needed.* Prequalify before you shop to see if you qualify and for how much. Qualified applicants can be approved for up to $7,500.†
From Koalafi: *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. †For qualifying customers only. Offer subject to change. See agreement for details.
Get prequalified with Koalafi
Prequalify with our lease-to-own partner Koalafi to see if you qualify, and for how much, before you shop. Approval is never guaranteed for every applicant. Prequalifying starts as a soft inquiry; a hard inquiry happens only if you agree to the lease terms.
How it works
How Koalafi works
Why choose Koalafi
Why choose Koalafi?
Up to $7,500†
Qualified applicants can be approved for up to $7,500. Your approval amount depends on your application.
Any credit welcome to apply
Any credit is welcome to apply, but approval is never guaranteed for every applicant. Koalafi performs a credit check as part of its application.
Early purchase option‡
Use Koalafi's early purchase option to own sooner. Leasing to own costs more than paying the cash price, and even an early purchase includes the initial payment, taxes and fees in your lease. The window and terms vary by store and state, and all payments must be on time to stay eligible.
A chance to build credit§
You may have an opportunity to build credit by making on-time payments over the entire agreement term.
Koalafi benefits
Simple. Fast. Transparent.
- Approval process that takes seconds
- Flexible payment options
- Clear terms and predictable payments
at checkout to use your lease.
Before you apply
What you'll need
- 18 or older
- Monthly income of at least $1,000
- A valid SSN or ITIN
- A U.S. address for at least the past 60 days
Built for your setup
Wheels, tires and full packages
Check fitment first
Make sure your setup fits before you check out. See wheels and tires on your vehicle in our visualizer, or find wheels by year, make and model, including leveled and lifted setups.
Wheels and tires in one checkout
Put new wheels, tires or a full package in one checkout. Leasable items must total more than $200 and fit within the amount you're approved for, so prequalify first to see your amount.
What your lease covers
Koalafi lists tires, wheels and rims as leasable. Parts meant to be permanently attached to a vehicle, such as lift kits, may not be leasable, and installation is leasable only in some cases. If your order includes them, call or text us at 205-644-1082.
Questions
Koalafi FAQ
Is Koalafi a loan?
No. Koalafi's lease-to-own option is not a loan or line of credit. Koalafi buys the items from us and leases them to you. You own them after all scheduled payments or an early purchase option. Leasing to own costs more than paying the cash price; see your lease for complete terms.
Is there a credit check?
Yes. "No credit needed" does not mean no credit check. Prequalification starts as a soft inquiry, and a hard inquiry happens only if you agree to the lease terms.
Can I own it early?
Yes. You can pay your lease off at any time. Koalafi offers an early purchase option within a promotional period that varies by store and state. Call Koalafi at 844-937-8275 to set it up. You must make all payments on time to stay eligible.‡
When do payments start?
Your scheduled lease payments start once we notify Koalafi that your order has shipped or been delivered. Your lease agreement shows any initial payment.
Where is Koalafi available?
Koalafi leases are not offered in Minnesota, New Jersey, Vermont and Wisconsin. Additional restrictions may apply in other states.
Other ways to pay
Prefer a different partner?
Questions about paying over time?
Call or text us and we'll help with your order. Each provider makes its own approval decision.
Important information
From Koalafi: *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.
The program described is a rent-to-own (or lease-to-own) transaction. You will not own the leased merchandise or acquire ownership rights unless you make all scheduled payments or prepay in accordance with the lease. Details vary from state to state. Program features are for qualifying customers only. Offer subject to change. Consult your lease for complete terms and conditions.
†For qualifying customers only. Offer subject to change. See agreement for details.
‡Offer applicable to lease product only. You can take advantage of the early purchase option by calling Koalafi at (844) 937-8275 to set up additional payments within the promotional period (often 90 days, though this may vary based on the store & state). If you pay off within this period, then you will only owe the initial payment, purchase price, taxes, & associated fees as outlined in your lease agreement. You must make all payments on time to remain eligible for the promotional period. Lease holders in California have a minimum 92-day early purchase option. For qualifying customers only. See lease agreement for details.
§You may have an opportunity to build credit by making on-time payments over the entire agreement term. Koalafi reports positive and negative payment history to multiple credit bureaus.
Koalafi leases are not offered in Minnesota, New Jersey, Vermont, and Wisconsin. Additional restrictions may apply in other states. See koalafi.com/for-customers.
Koalafi customer support: 844-937-8275
Lease-to-own options are provided by third parties and are subject to their approval. Wheels Below Retail is not a lessor and does not make approval decisions. Approval amounts, terms and fees vary by provider, your purchase and your application. Lease-to-own is not a loan: you do not own the merchandise until all lease payments are made or you use an early purchase option, and owning through a lease costs more than the cash price.