How It Works

1. Apply in Minutes

Select Canales Furniture and share some basic information about yourself to get started. No credit history is required, and applying will not impact your score.

2. Get Approved in Seconds!

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.

3. Lease What You Love

Shop in-store or online 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.

Loved by Customers

Often considerably less expensive than others

Kafene provides competitive pricing and affordable terms, making it a cost-effective choice compared to other financing options available.

Repayment flexibility​

Whether you prefer regular payments or an early payoff option, Kafene offers flexible terms to make your lease easier and more manageable.

Opportunities to establish a positive payment history

Kafene reports to all three major credit bureaus, so your timely payments help establish or improve your credit history, setting you up for a stronger financial future.

Frequently asked questions

Is Kafene a loan?

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.
Is lease-to-own the same as buy-now-pay-later (BNPL)?

No, lease-to-own is different from BNPL. Both are convenient alternative purchase methods offered at checkout, but there are key differences:

  • Lease-to-own offers much larger approval amounts.
  • Lease-to-own looks beyond credit scores.
  • Lease-to-own is flexible and is not a form of credit, allowing consumers to cancel without obligations.
How does Kafene work?

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.
Can I be approved if I have poor or no credit score?

Yes! We approve far more applicants than traditional financing providers. We consider more than just traditional credit scores and utilize alternative data sources to approve applicants who might be overlooked otherwise.
What do I need to apply?

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.
How long does the approval process take?

Our application process typically takes about 60 seconds.
How much can I buy with lease-to-own services?

You can qualify for up to $5,000.
How long is my approval valid for?

Approvals may be valid for up to 30 days.
What happens if I can’t make a payment?

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.
Can I buy the leased item before the end of the lease term?

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.
Where can I make my payments?

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.
What are the payment options available?

Most accounts are set up with automatic payments aligned to when you get paid. Payment options include:

  • 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.
  • Early payoff option: Acquire ownership anytime after the early purchase period with a discount on your remaining payments.

*Approval and amounts based on eligibility.

†No credit needed means no hard credit check; soft checks may be used. The 100-day payoff option offers a reduced total cost—restrictions may apply.