KB
Krystin Bowen
Feb 13, 2026
Zach, the salesman, created an extremely alarming and misleading experience for us.
We purchased a discounted couch from the showroom floor and were fully prepared to pay. At checkout, Zach mentioned a leasing option instead of simply processing the sale. We agreed only because we were told it was a 90-day same-as-cash option and wanted to help build my girlfriend’s credit. We clearly stated we planned to make large payments ($500+ per month) on the $2,500 balance to pay it off quickly.
Zach presented Koalifi as “no interest for 90 days,” but failed to clearly explain the most critical detail: on day 91, if the balance is not paid in full, the total cost increases by over 144% — turning a $2,500 couch into a $6,114 + obligation.
Even more concerning, Zach entered our email address incorrectly (adding an extra “l” to gmail.com), so we never received critical notices or documentation about the lease terms. Around day 81, we realized the true structure of the agreement when reviewing statements ourselves. We are attempting to pay off the balance in full today, but Koalafi has not yet processed it.
Had we not caught this in time, we would have been locked into paying thousands more than the original price. The way this was handled felt calculated and misleading.
Extreme caution is necessary here. Do not rely on verbal explanations. Get every term in writing, verify your contact information yourself, and fully understand what you are signing before agreeing to any financing.