Kafene provides a point-of-sale, lease-to-own (LTO) option that merchants can offer to their customers as an alternative to paying with cash or credit. Kafene purchases the merchandise from the merchant and rents it to the consumer. This option is particularly important to those who are credit-challenged and do not have a way to enjoy big-ticket, and necessary, items such as furniture, appliances, and other goods. Kafene operates nationally and complies with all other applicable laws and regulations. To us, delivering the best-in-class customer experience is paramount.
Kafene (kafene.com) has 567 customer reviews on Five Star Index, with an average rating of 4.3 out of 5.
Also known as
kafene.com
Website
kafene.com
Category
Investments & Wealth
Location
New York, New York
Listed on Five Star Index
2026
About these reviews
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The company replied to 10% of reviews.
Latest
Most recent review: October 2026.
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Pésima la solución de problemas por tal de no devolver, aun recibiendo la cancelación de la tienda por no haberle entregado el producto, escudandose términos qué solo perjudica al cliente q pago un producto q no recibió
VA
Veronica A.
Horrible company to use for financing…
Horrible company to use for financing they will unfunded contracts when customers have your merchandise and horrible approval rates.
LV
Luvys V.
This company NEEDS to be honest with…
This company NEEDS to be honest with the consumer regarding payments, this is a company Lease to Own BUT, no, they charged you interest in daily basis If you don't pay in three months. I feel this company SCAMMED the consumers.
EM
Emmanuelle
Poor Communication Between Departments and Very Frustrating Return Process
My experience with Kafene was extremely frustrating. The issue started with a washer and dryer lease where the dryer had problems from the beginning. I reported the issue, followed the instructions given to me, provided photos, communicated with the returns department, and cooperated throughout the entire process.
The biggest problem was the lack of communication between departments. Returns, customer support, account servicing, and collections did not seem to be aligned. I had to explain the same situation repeatedly to different representatives, while also receiving collection-related calls and payment notices even though the return process was still active.
At one point, I was instructed to work with the store regarding a replacement, but that process failed. Later, I was given different instructions regarding donation/return of the equipment. I had to request written confirmation multiple times because verbal instructions and text messages were not enough for a financial agreement.
The process took far longer than it should have and created unnecessary stress. I eventually completed the requested donation process and submitted the receipt and pickup evidence as instructed.
Based on my experience, Kafene needs to seriously improve internal communication between departments, provide clearer written instructions, and stop allowing customers with active return cases to be treated as simple collection accounts.
I would not choose to do business with Kafene again.
BW
Billy W.
I went shopping for furniture
I went shopping for furniture, I asked the salesman about their 120 day purchase same as cash program. I was directed to apply for Kafene account, got approved and they delivered my furniture.i read the application and policy from Kafene. I was shocked at the interest this company charges. I paid off my account immediately, I didn’t want any mixups. I just feel sorry for poor people that can’t afford to payoff their account immediately. My account balance was $4,200, if I paid monthly, I would have paid 14,000 over 18 months, it’s like loan sharking old terms that was banned from my old military days. This type of loans should be banned.
MS
Michelle S.
Don’t deal with these people
Don’t deal with these people. My husband and I had weekly payments and they were receiving FAITHFULLY every week until my last three weeks I decided to DOUBLE my payment and they still say we owe them money! SCAM! SCAM! S.C.A.M.M.E.R.S! Do NOT! DO NOT! Deal with this lying people at all.
MS
Mark S.
Don’t use this company they charge high…
Don’t use this company they charge high interest loans not advisable for purchase
RW
Richard Wiliam C.
I have caught this company double…
I have caught this company double charging me and when I complained they refunded my money and then charged me again the next week. There automatic payment system will jack your credit up. There customer service agents seem to get upset when you prove that they have made a mistake if your trying to build credit this is not the company to deal with i now have late payments on my records for mistakes they made like charging two of my cards at once I strongly suggest not using this company
Response from KafeneMay 26, 2026
I'm so sorry you had a bad experience, Richard! Please shoot us an email at [email protected] to tell us a bit more about your situation -- we'd love to try to make it right.