At Kafene, we tailor leases to each customer's unique risk profile - an industry first! - and we work with merchants to build flexible pricing that works for them.
No credit? No problem. Kafene's innovative application process uses 20,000+ data points, so we can approve customers regardless of their credit history.
Kafene is the only Lease-to-Own that reports payment history to all three credit bureaus, and we prioritize transparency and consumer education in every interaction.
Choose a store and share some basic information about yourself to get started. No credit history is required, and applying will not impact your score.
Our powerful technology will match you to a lease up to $5,000 instantly. Plus, you'll get customized lease pricing options unique to your needs.
Work with your sales associate to pick out your product(s) and start enjoying them as soon as today! Kafene's flexible terms make it easy to find the option that's right for you.
Kafene partners with retailers to offer lease-to-own services for consumers with limited credit history. At checkout, you must complete a 60-second application. If approved, Kafene purchases the item in-store and rents it to you until you fully own the item. You can cancel the lease at any time and return the item with no further obligations.
No, Kafene is not a loan product. With Kafene, you are signing a lease. Unlike debt, there are no ongoing obligations if you wish to cancel your lease.
To apply, you must be 18 years or older, have a valid government-issued ID, a monthly income of at least $800, and an active checking account.
Yes! We approve many more applicants than traditional finance providers. Our mission is to serve underbanked American consumers in an affordable and accessible way. We look at more than just traditional credit scores and use alternative data sources to approve applicants who might otherwise fall through the cracks.
Our application process typically takes about 60 seconds.
