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.

In 2020, Uown was acquired by 777 Partners—an $8+ billion Private Investment Fund—that will provide Uown more opportunity for growth in the years to come.

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 everyday items, 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.

Frequently Asked Questions


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.

A lease-to-own program is a payment arrangement where consumers commit to a short-term lease of durable goods at the outset and may choose between several available paths to gain ownership.

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

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.
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.

Uown Leasing does not use traditional credit checks as part of our approval process.  We verify information through national databased including, but not limited, to TransUnion, Clarity, DataX, and LexisNexis.

This is no down payment, initial payment, or first lease payment required at time of lease signing.  There may be a processing fee of up to $40* charged at lease signing or on the first lease payment based on the merchant from which you purchased items.

*Subject to state specific rules.

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.

We accept traditional employment as well as retirement or public assistance programs like SSI, or self-employment.  We do not accept child support or alimony as qualifying income.

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.

The initial term of your lease may be one week, two weeks, 15 days or monthly.  You have the option to renew.  Please see your lease for more details.  If you wish to obtain ownership of the merchandise you are leasing, a typical lease agreement will have a 13 month period to ownership.  However, you always have an early buyout option or a return option.

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

Yes. We offer 90-day programs and early buyout discounts.
You may include these costs in the lease as long as the total with your merchandise is within your approved amount.
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?

CALL 1-877-353-8696 OR

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!
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.