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How it works

What you need, when you need it.

Uown makes it easy as 1, 2, 3.
1 Find a Uown merchant
2 Apply & get approved
3 Take home your merchandise!

What is lease-to-own?

A lease-to-own program is simply a payment arrangement where consumers make payments in order to gain ownership.

Why do I need Uown?

If you’ve been denied traditional financing—or worry you won’t get approved—Uown offers a fair, straight-forward alternative way to pay for essentials like furniture, mattresses, appliances, and more. Easy, no credit needed alternative financing!

How do I qualify?

  1. Be 18 years or older
  2. Have a taxpayer ID number
  3. Present a valid state-issued ID
  4. Make at least $1,000 a month
  5. Posses a checking account in good standing

No Credit Needed

Don’t let bad credit stand in the way of getting the merchandise you need.

No Down Payment

Make no payments in-store.
Zero until your first lease payment.

Flexible Payments

Easy to purchase with weekly, bi-weekly, semi-weekly, or monthly payments.

Get the credit you deserve.

Take it home today with Uown. Find a Merchant
Benefits

The power to purchase.

Uown lets you do more.

Improve your credit.

At Uown, we report all of your payments directly to the credit bureau. So at the end of your lease, you’ll have more than great merchandise—you’ll have an improved credit score as well.

Unrivaled support.

Our dedicated support team is standing by, ready to assist you every step of the way. Call us seven days a week and see why Uown sets the industry standard in customer support.

The clear, easy way to pay.

We pride ourselves on transparency. That’s why all of our lease purchase agreements are short, straight-forward, and easy to understand. No tricks, no hidden fees. Just the merchandise you need and payments you can afford.

We work with you.

While some lenders work against you, Uown works with you. Should a life event occur and you need to change your payment schedule, we’ll generally accommodate your request at no additional cost.

Sit back, relax, and make yourself a home.

We make it easy to purchase everything life demands.
Sofas
Bedding & Mattresses
Ovens
Washer/Dryers
Bedroom Furniture
Tables & Chairs
Refrigerators
Dishwashers
And More!

Lightning fast approval

Innovative technology allows us to make decisions within 10 seconds.

Easy online payments

Our online payment portal is available 24 hours a day, 7 days a week.

Early buyout discount

All customers have the option to pay off their lease early and receive a big discount.

Participating Merchants

Find a Merchant
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