Sleep Now, Pay Over Time with Koalafi

Koalafi offers lease-to-own financing so you can bring home the mattress or adjustable bed you need — without requiring good credit. Apply in minutes, get an instant decision, and choose a flexible payment plan that fits your budget.

How Koalafi Works

  • 1. Shop

    Browse our full selection of mattresses, adjustable beds, and sleep accessories at any Mattress World Northwest location or online.

  • 2. Apply

    Select Koalafi at checkout in-store or online. Complete a quick application — the process takes just minutes.

  • 3. Get Approved

    Receive an instant decision. No good credit required — Koalafi works with customers other lenders may not approve.

  • 4. Pay Over Time

    Make simple, flexible payments on a schedule that works for you. Use our Early Purchase Option to pay off early and save.

Lease-to-Own Financing You Can Count On

Koalafi is designed for everyday shoppers who deserve access to flexible payment options — no matter their credit history.

High Approval Rates
Koalafi works with nearly one in two U.S. consumers who may not qualify for traditional financing.

Low Initial Payment
Get started with a low initial payment and spread the rest over time on a schedule that fits your budget.

Early Purchase Option
Pay off your lease early and own your items outright — the most cost-effective path to ownership.

Simple. Fast. Transparent.
An approval process that takes seconds, easy-to-use online account management, and no surprise fees.

Payments Reported to TransUnion
On-time Koalafi payments can help build your credit history over time.

Koalafi FAQs

What is Koalafi?

Koalafi is a lease-to-own financing provider that helps customers get the products they need through flexible payment plans. With Koalafi, you do not need good credit to apply. You will not own the leased items unless you make all scheduled payments or prepay in accordance with your lease agreement.

What does "No Credit Needed" mean?

"No Credit Needed" means you do not need good credit to qualify. Koalafi does perform a credit check as part of the application process, but approval is not based solely on your credit score. Many customers who don't qualify for traditional financing are approved through Koalafi.

How do I apply for Koalafi?

You can apply in-store at any Mattress World Northwest location or online at checkout. The application takes just a few minutes and you'll receive an instant decision.

What is the Early Purchase Option?

The Early Purchase Option allows you to pay off your lease balance early and own your items outright. Paying off your lease early is the most cost-effective way to complete your purchase. Ask a sleep specialist in-store for full details.

How do I make my Koalafi payments?

Payments are set up automatically and aligned with your pay frequency. You can manage your account online anytime through the Koalafi customer portal at koalafi.com.

Does Koalafi report payments to credit bureaus?

Yes. Koalafi reports customer payments to TransUnion. Making on-time payments may help build your credit history over time.

Does Mattress World Northwest offer Koalafi in-store?

Yes! Koalafi is available at all Mattress World Northwest showrooms. Our sleep specialists can walk you through the application process in-store and get you approved on the spot.

*No Credit Needed: 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.