Leasing Options
Take it home now. Pay over time.
Lease-to-own lets you take your couch home now, even without perfect credit. Here's how each option compares.
Koalafi
The easiest way to get started. Put $49 down, take it home, and pay it off within 120 days to avoid paying anything extra.
Compare your options
These look at more than your credit score. You lease the furniture, take it home right away, and own it once the payments are done. Paying it off early is always the cheapest way.
Snap
Lease-to-own
- Credit
- Shop without perfect credit
- See it
- Look for the "lease for as low as" estimate on each couch
- Apply
- Text us and we'll get you started
American First Finance
Lease-to-own
- Credit
- Shop without perfect credit
- Pay early
- 101 days with no interest
- Apply
- Fast online application
Acima
Lease-to-own
- Credit
- Shop without perfect credit
- Payments
- Flexible lease payment options
- Apply
- Online, with a fast decision before you shop
How it works
It's a lease, not a loan
The provider buys the furniture and leases it to you. Once the payments are done, it's yours.
Paying early saves the most
Pay it off inside the no-interest window and your total stays close to the sticker price.
The full term costs more
Taking the full term costs more than the sticker price. Every number is in your agreement before you sign.
No surprises
You see your payment schedule and total cost up front, before you commit.
Common questions
Which option should I pick?
Start with Koalafi. It's $49 down with 120 days of no interest when you pay it off early. If it isn't a fit, try Snap, American First Finance or Acima, or text us and we'll help you choose.
How much do I need to start?
With Koalafi it's $49 down. Amounts for other providers vary and are shown in your agreement before you sign.
Can I pay it off early?
Yes, and it's the cheapest way to use any of them. Koalafi gives you 120 days and American First Finance gives you 101 days with no interest.
What happens if I don't pay it off early?
With Koalafi you keep making payments over 12 or 24 months. The full term costs more than the sticker price, and your agreement shows the total before you sign.
Can I apply at the showroom?
Yes. Apply on your phone while you're here, then pick out your couch.
Not sure which one fits?
Text us and we'll help you pick the right plan.
Koalafi, Snap, American First Finance and Acima offer lease-to-own transactions, not loans, credit or financing. Not all applicants are approved. Approval amounts, initial payments, early purchase options and total cost to own vary and are disclosed in your lease agreement before you sign. See your agreement for exact figures.