All Your Customers With One Application

Our single application instantly offers Prime and Subprime consumers the pricing that is right for them.

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Key Features

Industry leading approval rates and amounts up to $5,000

Instant Decisions

Instant Decisions

Our application takes less than 5 minutes to complete, and offers a decision within 5 seconds

Instant Decisions

Programs For Everyone

No more need for multiple financing partners. Kafene is your one stop shop.

Instant Decisions

Fast Funding

We fund within 24 hours.


We are! Kafene is a full spectrum solution with a single application that automatically waterfalls to the best pricing based on each consumer’s creditworthiness. Prime consumers will see prime offers, near prime consumers will see near prime offers. Most importantly, the merchant or consumer can also select the no credit check option, in which case credit will not be evaluated and the consumer will be offered the standard no credit check pricing if he or she qualifies.

Our goal is to meet or beat any of your existing lender’s pricing for every consumer. We pride ourselves on fair, transparent pricing.

We will fund within 24 hours of confirmed delivery via ACH.

We do.

In order to facilitate the cheapest financing and a seamless waterfall, we are using a lease rather than loan structure and so the idea of interest rate doesn’t quite fit. A better way to think about it is that the monthly payments will be similar to your standard loan products at any level, and the term to ownership will be the same. In short, your customers will be paying about the same as they currently do in total if they make all their payments using Kafene.

Anywhere from 12-18 months.

Great, we facilitate multiple early purchase and buyout options.

Up to $5,000

What our partners say about us

Partner with us today and experience the difference