How it works
What you need, when you need it.Uown makes it easy as 1, 2, 3.
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?
- Be 18 years or older
- Have a taxpayer ID number
- Present a valid state-issued ID
- Make at least $1,000 a month
- Possess 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.
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
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.
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.
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.