financing options

PROGRAM BENEFITS:

• No Credit Needed*
• Approvals from $200-$5,000^
• 101-Day Early Payoff Discount available†
• Payments that fit your pay schedule

Click here to apply

LENDER DISCLOSURES: 

*Approval is possible without a FICO® Score, but credit may be checked. 

^ Products may vary. New customers may be approved for loan amounts up to $3,500 and returning customers up to $5,000. See agreement for details. 

†You can save money on interest or finance charges when you pay off in full within the Early Payoff Discount Period. See contract for details.

*For Bank Products:* Subject to approval and standard underwriting criteria. Loans are originated by FinWise Bank, a Utah-chartered bank located in Murray, Utah, Member FDIC. Decisions and funding may take additional time and not be same day, including if more information is needed to complete an application. Terms and conditions subject to change at any time without prior disclosure or notice. 

*For Retail Installment Sales Agreement:* A retail installment sales agreement is subject to approval and verification. Terms and conditions subject to change at any time without prior disclosure or notice.

Lease-to-own financing.

Good option for customers still building credit.

How lease-to-own financing works

• A Koalafi lease isn't just a great way to manage a big expense - it can also help you build your credit. 
• Koalafi buys the item and leases it to you, reporting your progress to the credit bureaus. On-time payments are reported to the bureau and can help you build your score. After the last payment, the item is all yours!

​INITIAL PAYMENT: Up to $59, varies by state

APPROVAL AMOUNTS: $300 to $5,000

PROGRAM BENEFITS+: 

• No credit needed*
• No hit to your credit to check eligibility
• High approval rate^
• Early purchase options to save
• Opportunity to establish and build credit

Click here to apply

LENDER DISCLOSURES: 

^ High approval rates are based on Koalafi products only. The Bank of Missouri does not offer Lease-To-Own solutions.

* 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.

+ Koalafi offers Lease-to-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi.

GENERAL DISCLOSURE: AAMCO Wagoner, OK does not make loan offers, but pairs potential borrowers with lenders and lending partners. AAMCO Wagoner, OK is not a lender, does not make credit decisions, broker loans, or make personal cash loans. AAMCO Wagoner, OK does not charge fees for these services and products and does not represent or endorse participating loan lenders (third party lenders) or lending partners, services, or products. AAMCO Wagoner, OK does not guarantee that completing an application or inquiry form will result in you being paired with a lender or lending partner or being approved for a loan. Credit checks or consumer reports may be performed by lenders or lending partners from credit bureaus or other providers of credit information. You are not obligated to use this site and are not obligated to contract with any third-party lender, lending partner, or service provider. This content is intended for informational purposes only and should not be construed as legal advice. All information and disclosures above have been provided by each respective lender, AAMCO Wagoner, OK does not accept responsibility or liability for its accuracy, completeness or legality.