Lease-to-Own with Koalafi
Pay it off in 90 days. Owe close to the cash price.
Koalafi is a consumer lease-to-own product, not a loan. Take your furniture home today, and if you settle the balance during the 90-day Initial Early Buyout window, you skip the full lease cost markup. Apply on your phone — most decisions land in under 10 seconds.
- ApprovalUp to $7,500
Furnish a whole room without splitting the order.
- DecisionUnder 10 seconds
Apply on your phone, get an answer before you finish your coffee.
- TermUp to 48 months
Or settle in 90 days for close to the cash price.
The flow, end-to-end
Six steps from phone in hand to furniture in your living room.
- 1Open the link on your phone
Tap Apply with Koalafi. The application opens on epply.koalafi.com, branded for Elite Furniture.
- 2Verify your number
Enter your mobile number and confirm the code Koalafi texts you. That's the only ID step at the start.
- 3Answer a few quick questions
Address, income, and SSN or ITIN. Standard lease application. Takes a couple of minutes.
- 4Instant decision
Approval typically lands in under 10 seconds, with limits up to $7,500 depending on eligibility.
- 5E-sign the lease
Review the terms and sign on your own device. The 90-day Initial Early Buyout window starts now.
- 6Take it home today
Same-day delivery available. You'll have your furniture and 90 days to decide how to settle up.
Three ways to settle up
You decide how to finish the lease.
Koalafi gives you flexibility from day one. The earlier you pay off, the less you owe overall.
- Best dealPay off in 90 days — Initial Early Buyout
Settle the full balance during the first 90 days and you only owe the retail price of the item, sales tax, your initial payment at signing, and a small Initial Early Buyout fee ($0–$50 depending on state). Effectively close to the cash price — no full lease cost markup.
- Still flexiblePay off after 90 days — Standard Early Buyout
Past the 90-day window, Koalafi still offers a Standard Early Buyout. You pay the remaining lease balance minus a discount. It's not as cheap as the 90-day option, but it can still beat riding out the full term.
- Up to 48 monthsKeep the scheduled payments
If neither buyout is right for you, the lease just continues with scheduled payments — up to a 48-month maximum term. Manage everything (payment dates, payoff quotes) in the Koalafi customer portal.
Manage payments, see your payoff quote, or initiate an early buyout anytime in the Koalafi customer portal at customer.koalafi.com.
Ready when you are
Apply now and walk out with it today.
Got questions? We’re a phone call or a text away.