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About Uown

Our company. Our philosophy.

In 2008, a group of lending executives in Tampa, FL came together and saw a need: credit challenged customers had virtually no place to go for financing. Armed with decades of industry experience and a passion for helping customers in need—Uown Leasing was born.

At Uown, we understand that the credit score does not define the customer.

It’s our belief that everybody, regardless of credit history, should have the ability to provide for his or her family. By giving customers a simple, straight-forward lease-to-own payment option on essentials like bedding, appliances, and furniture—Uown works hard to make that happen.

A lot has changed since 2008, but our focus on doing business the right way remains the same. We see both our merchants and consumers as part of the Uown Family. Our commitment is to always treat both with the dignity and respect they deserve. Working together, we’ve got this.


We’ve compiled a list of commonly asked questions for your convenience. If you’re unable to find the answer to your question, contact customer service at 1-877-353-8696 and we will be happy to answer it for you.

What is lease-to-own?

A lease-to-own program is a payment arrangement whereby consumers make payments in order to gain ownership of durable goods.

What is Uown Leasing?

Uown Leasing offers a simple, straight forward, lease-to-own payment option to help you obtain quality merchandise from reputable merchants.

How do I apply?

Use the find-a-merchant tool on this website and apply in-store. There’s no need for pre-approval–if you meet the requirements below, you’re approved!

How do I qualify?

Our qualifications are simple, you must:

  • Be 18 years or older
  • Have a Taxpayer ID Number
  • Present a valid, non-expired state-issued drivers license
  • Have a gross income of $1,000 a month
  • Possess an open and active checking account (90+ days since opening the account) in good standing with no insufficient funds or overdraft charges within the last 30 days.

Do I need credit to apply?

No, we are a no credit option. We will not use your FICO score or hit your credit with inquiries. Instead, we use your job, income, and other factors to determine your approval status.

Will you pull my credit?

Uown Leasing does not utilize Equifax, Experian, or TransUnion to perform traditional credit checks as part of our pre-approval process. We do verify applicant information through national databases including, but not limited to Clarity, Factor Trust, and LexisNexis.

Is there really no down payment?

There is no down payment, initial payment, processing fee, or first lease payment required at the store.

What is the interest rate?

A lease rate factor is not an interest rate but rather a lease payment of the total cost of the leased merchandise determined by the state lease purchase regulations.

What type of income can be used to apply?

We accept traditional employment as well as retirement, self-employment, SSI and disability. We do not accept child support or alimony as qualifying income.

Can I make payments online?

Yes. We have an online payment portal available 24/7. This portal is available for extra payments only and does not take the place of your regularly scheduled payments.

What is the duration of my lease?

Most lease agreements are 13 months long.

What payment options do I have?

At the time of application and lease signing, you can choose between either weekly, bi-weekly, semi-monthly, and monthly payment options.

Is there an early buyout option?

Yes. We offer 90-day programs and early buyout discounts.

What about delivery, set-up, warranty, or protection plan costs?

You may include these costs in the lease as long as the total with your merchandise is within your approved amount.

What type of merchandise can I buy?

Almost anything that makes your house a home: sofas, bedroom furniture, bedding/mattresses, table & chairs, ovens, refrigerators, washer/dryers, dishwashers, and more.

Didn’t find the answer you were looking for?

Begin your future now

Join a workplace that works for you.

Looking for more than just a job? Do you like an exciting, fast-paced environment where you can help people every day? At Uown, we’re always looking for smart, driven and passionate people to join our team and help our customers reach their goals. Sound like you? Let’s do this!

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Uown is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, age, national origin, disability, veteran status, sexual orientation or any other classification protected by federal, state or local law.

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