Frequently Asked Questions
Ensuring the highest standards of security and privacy for the consumer data we collect is a top priority at Kafene. We protect customer information with best-in-class advanced encryption, secure protocols, and rigorous compliance with all relevant data protection regulations.
Our support team is available to assist with customer service inquiries. You can reach us via phone or email: Contact Us
Approvals may be valid for up to 30 days.
Our 60-second application is the fastest in the industry, providing instant approvals for up to $5,000.
To apply, customers must be 18 years or older, have valid government-issued identification, a monthly income of at least $800, and an active checking account.
Customers can apply in-store using your merchant dashboard or directly on their phone via SMS. They can also apply online through our website.
We provide seamless point-of-sale integration with easy-to-follow instructions and dedicated support to ensure a smooth setup process.
To join Kafene's network, merchants need to have a valid business license, operate a physical store selling leasable items such as furniture, mattresses, wheel and tires, appliances, electronics, and more, and agree to our terms of service. Our team is available to assist with the integration process to ensure a quick setup. We also provide on-site assistance to help you understand lease-to-own, our offerings, the Merchant Portal, and the terms of the customer agreement.
Increase your sales: Partnering with Kafene can significantly boost your sales. Over the past five years, we have facilitated substantial incremental sales for over 2,000 retail partners.
Tailored partnership: We collaborate closely with your team to create customized leasing programs for your customers, helping you achieve higher close rates, larger purchases, and access to a broader customer base.
Consumer-friendly program: Our consumer-friendly approach emphasizes transparency and offers the best possible deals through a tiered pricing system. Additionally, we help customers build positive repayment history by reporting to all three major credit bureaus.
No, lease-to-own is different from BNPL. Both are convenient alternative purchase methods offered at checkout, but there are key differences: some text
Lease-to-own offers much larger approval amounts: BNPL is typically limited to a few hundred dollars, while lease-to-own allows you to purchase items worth thousands of dollars, like furniture, tires, and wheels.
Lease-to-own looks beyond credit scores: BNPL is a convenient option for customers who already have credit cards. Lease-to-own provides payment options for those who do not qualify for traditional financing.
Lease-to-own is flexible: BNPL is a form of credit, while lease-to-own is not, allowing consumers to cancel without obligations.
No, Kafene is not a loan product. With Kafene, customers enter into a lease agreement. Unlike debt, there are no continuing obligations if a customer wants to cancel their lease.
Lease-to-own services are an alternative way of purchasing durable goods in store. Customers apply in-store to get instant approval, and Kafene purchases and leases the item until they fully own it. The 60-second application process is frictionless, and customers can cancel the lease anytime without further obligations.
You can terminate your lease at any time without any continuing obligations or negative impact on your consumer reporting. Simply log into your Customer Dashboard to cancel your lease, and Kafene will contact you to review the return options that are available to you.
We strive to assist customers in completing their leases and reaching full ownership. If you encounter financial difficulties, contact us as soon as possible. We offer tailored hardship plans to help you regain financial stability. Ultimately, if needed, you can cancel your lease if you are concerned about not being able to pay it off. Contact Us
Yes! You can purchase the leased item at any time during the lease term. Contact our customer service team to learn more about early purchase options and any applicable discounts. Contact Us
You can make payments anytime, free of charge, on the online customer dashboard at https://application.kafene.com/dashboard or by using our automated system at 855-420-0747.
Most accounts are set up with automatic payments aligned to when you get paid. Payment options include:some text
Full term (Standard program): Make regular payments until the end of the term.
Early purchase option: Pay the total cost within the specified early purchase period (e.g., 90 days) for the lowest total cost (cash price, tax, and applicable fees).
Early payoff option: Acquire ownership anytime after the early purchase period (e.g., 90 days) with a discount on your remaining payments.
For more details, please contact our customer service team. Contact Us
Explore our store locator to find all participating retailers in your area Store locator. Once you have selected your desired store, click the “Apply” button to complete our 60-second application, where you can receive an approval amount of up to $5,000 instantly! Yes, it’s that easy.
Lease-to-own services can be used for big-ticket items such as furniture, tires, appliances, electronics, and more. You can view the available products on our website or at participating merchant locations. Store locator
Approvals may be valid for up to 30 days.
You can qualify for for up to $5,000
Our application process typically takes about 60 seconds.
Yes! We approve far more applicants than traditional financing providers. Our mission is to serve the underbanked U.S. consumers in an affordable and accessible manner. We consider more than just traditional credit scores, and utilize alternative data sources to approve applicants who might be overlooked otherwise.
To apply, you must be 18 years or older, have valid government-issued identification, a monthly income of at least $800, and an active checking account.
It's simple! Ask the store about their purchase options and see if they partner with Kafene. Participating merchants will guide you through a quick process that takes about a minute and requires basic personal and financial information.
No, lease-to-own is different from BNPL. Both are convenient alternative purchase methods offered at checkout, but there are key differences: some text
Lease-to-own offers much larger approval amounts: BNPL is typically limited to a few hundred dollars, while lease-to-own allows you to purchase items worth thousands of dollars, like furniture, tires, and wheels.
Lease-to-own looks beyond credit scores: BNPL is a convenient option for customers who already have credit cards. Lease-to-own provides payment options for those who do not qualify for traditional financing.
Lease-to-own is flexible: BNPL is a form of credit, while lease-to-own is not, allowing consumers to cancel without obligations.
No, Kafene is not a loan product. With Kafene, you are entering into a lease agreement. Unlike debt, there are no continuing obligations if you want to cancel your lease.
Kafene partners with retailers to offer lease-to-own services for consumers with limited credit history. At checkout, you fill out a 60-second application. If approved, Kafene buys the item from the store and leases it to you until you fully own the item. You can cancel the lease anytime and return the item without further obligations.