U-Own Financing

Uown offers a simple and easy solution to get the furniture you need without a credit check. They offer easy lease terms on the furniture and mattress you need for everyday life! Their goal is to help you with your purchase, regardless of your credit history.


  • Earn $1,000 a month and deposit at least $500 in checking account.
  • Employed by the same company for past 6-months (non temporary).
  • Have a Checking Account that's been open for last 3 months.
  • No NSF's (charges for Non Sufficient Funds) in last 30 days.


If you meet these requirements you are pre-approved. Download and fill out an application and bring it along with the following for a quick response:

  • Most recent paycheck stub
  • Most recent 30 day bank statement
  • Photo ID
  • Voided Check (Must match account # on bank statement)

Download Application

Download Application in Spanish

 Frequently Asked Questions

I don’t want my credit checked. Will U-Own check my credit score before approving my financing? Generally, we do not conduct a formal credit investigation of our customers. We verify a customer’s residence and sources of income and, in some cases, review the customer’s bank statement. References provided by the customer are also contacted to verify the information contained in the application form.

What if I don't have a voided check? If you don't have a check book, please replace with a Bank Verification Form. Most banks can provide you with one if you ask them. You can also print the following one by U-Own and ask your bank to fill it out for you.

Bank Account Verification Form

How do I get a hold of U-Own? If you have further questions regarding financing or an existing account you can reach U-Own at:

Phone 877-353-8696
Fax 877-353-8706
Mailing Address
P.O. Box 18022
Tampa, Florida 33679