Koalafi Furniture Lease-to-Own in Sacramento

No Perfect Credit Needed. Flexible Payments. Furniture You'll Love!

Looking for new furniture but prefer to spread out your payments?

At BedCo Furniture, we proudly offer Koalafi, a convenient lease-to-own payment option designed to help customers get the furniture they need without paying the full price upfront.

Whether you're shopping for a new sofa, sectional, bedroom set, dining table, or mattress, Koalafi offers flexible payment options—even for customers who are building or rebuilding their credit.

Fast Decisions • Up to $7,500 in Lease Approvals • Early Purchase Options

Apply for Koalafi at BedCo Furniture

Subject to approval. Koalafi performs a credit check. Lease-to-own is not a loan, and acquiring ownership through leasing costs more than the retailer's cash price.

Why Choose Koalafi at BedCo Furniture?

• No Perfect Credit Required: Customers with limited or less-than-perfect credit are welcome to apply.

• Fast Application: Complete a simple application and typically receive a decision in seconds.

• Up to $7,500 in Lease Approvals: Qualified customers may receive approval for eligible purchases.

• Flexible Payments: Make scheduled payments based on your lease agreement.

• Early Purchase Options: Purchase your merchandise early and save on leasing costs.

• Opportunity to Build Credit: Koalafi reports lease payments to TransUnion, giving customers an opportunity to build their credit history through on-time payments.

• Shop Locally: Choose your furniture at BedCo Furniture in Sacramento.

How Does Koalafi Work?

Getting started is easy!

Step 1 – Apply

Complete Koalafi's quick application through BedCo Furniture's participating application process.

Step 2 – Receive Your Decision

Koalafi typically provides application decisions in seconds. If approved, you'll receive your eligible lease amount.

Step 3 – Shop at BedCo Furniture

Visit our Sacramento showroom and choose eligible furniture that fits your home and budget.

Step 4 – Review Your Lease Agreement

Review your initial payment, scheduled payments, total cost of ownership, and early purchase options before signing.

Step 5 – Enjoy Your New Furniture

Arrange pickup or delivery, enjoy your furniture, and make payments according to your agreement with Koalafi.

What Do You Need to Apply?

Koalafi's general lease-to-own application requirements include:

• Be at least 18 years old.

• Have a monthly income of at least $1,000.

• Have a valid Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN).

• Have lived at a U.S. address for at least 60 days.

• Provide personal identification and income information.

• Provide eligible banking and debit card information when requested.

Additional verification and eligibility requirements may apply.

Frequently Asked Questions

Can I Get Approved With Bad Credit?

Yes! Koalafi considers more than traditional credit scores when reviewing applications.

Customers with limited credit history, past credit challenges, or less-than-perfect credit may qualify.

Approval is not guaranteed.

How Much Can I Get Approved For?

Qualified customers may receive lease approvals of up to $7,500.

Your approval amount depends on factors such as income, banking information, credit history, and verification requirements.

Does Koalafi Offer a 90-Day Early Purchase Option?

Yes! Koalafi offers an initial early purchase option during the first 90 to 120 days, depending on your agreement.

This allows eligible customers to purchase their leased merchandise early and potentially save compared with making all scheduled lease payments.

The early purchase amount generally includes the merchandise price, applicable taxes, the initial payment, an early purchase fee, and any outstanding charges.

Important: This is not a 90-day interest-free loan or a same-as-cash promotion.

Can I Purchase My Furniture Early?

Yes. Koalafi offers early purchase options that may help reduce your total leasing costs.

Customers can review their available early purchase amounts through Koalafi's customer portal.

How Long Is a Koalafi Lease?

Depending on eligibility and the agreement offered, Koalafi may provide lease terms of 12, 18, or 24 months.

Customers can acquire ownership by completing the required payments or exercising an eligible early purchase option.

Does Applying With Koalafi Affect My Credit Score?

Koalafi uses information from consumer reporting agencies when reviewing applications.

Checking your eligibility through a soft inquiry does not affect your credit score. Accepting a lease may result in a hard inquiry with alternative credit bureaus, which may affect scores maintained by those agencies.

Koalafi states that these inquiries do not affect your FICO score with Experian, Equifax, or TransUnion.

Does Koalafi Report Payments to Credit Bureaus?

Yes. Koalafi reports lease payment activity to TransUnion.

On-time payments may help improve your credit history, while missed payments may negatively affect your credit.

Is Koalafi a Loan?

Koalafi offers lease-to-own payment plans as well as separate lending products.

The lease-to-own option described on this page is not a traditional loan or line of credit.

With lease-to-own, Koalafi purchases eligible merchandise and leases it to you. You acquire ownership after completing the required payments or exercising an eligible early purchase option.

Is There an Application Fee?

Koalafi does not charge a fee simply to apply.

However, an initial payment may be required to begin a lease. Koalafi may place a temporary authorization hold on your debit card during the application process.

Can I Return Merchandise Under a Koalafi Lease?

Koalafi offers return and lease cancellation options for eligible merchandise.

Customers must follow the applicable lease terms and coordinate return arrangements with Koalafi and the retailer.

Can I Use Koalafi at BedCo Furniture?

Yes! BedCo Furniture offers Koalafi as a lease-to-own payment option for qualifying merchandise.

Visit our Sacramento showroom to learn more about applying and selecting eligible furniture.

Ready for New Furniture?

Apply Today and Shop at BedCo Furniture!

For 15 years, BedCo Furniture has proudly helped Sacramento families find quality furniture at affordable prices.

With Koalafi, eligible customers can enjoy flexible payments, early purchase options, and access to furniture for every room in their home.

Apply for Koalafi at BedCo Furniture

Visit Our Sacramento Showroom

BedCo Furniture
6513 Folsom Blvd
Sacramento, CA 95819

Email: Bedcofurniture@gmail.com

Important Lease-to-Own Disclosures

Koalafi's lease-to-own program is not a loan or traditional credit financing.

Koalafi performs credit checks as part of its application process. No credit needed does not mean no credit check.

Lease-to-own agreements include leasing costs in addition to the merchandise price. Customers do not own leased merchandise until all required payments are completed or an applicable early purchase option is exercised.

Approval amounts, initial payments, payment schedules, early purchase options, and lease terms vary by customer and agreement.

Customers should review all agreement terms, total payment amounts, fees, and early purchase conditions before signing.

For additional details, visit Koalafi's Official Website.

Koalafi Customer Support: 844-937-8275