Own It 4 Less

Welcome to Own it 4 Less!

Now you can OWN the furniture that you love 4 Less with the affordable solution that Own it 4 Less gives you. You don’t have to leave the store empty handed! We have the right solution for you: less headaches, less paper work, less waiting time.

Own it 4 Less guarantees more approvals than any other company. With our distinctive underwriting process designed for these tough times and the NO CREDIT NO PROBLEM philosophy for our customers, no one can beat the thumbs up!

We based our rent decision on your ability to pay rather than look just your credit score.

Rental Process

Made an order on any of our partners Stores, bring the sales order to one of the representatives and apply online, it only take just a few minutes.

Required Documents

Most recent pay check stub must verify (If Application is made online):

• Minimum $1,000 gross income per month
• Customer must have been employed for past six months at the same job or within the same industry (No temp service)
• Year-to-Date totals must be shown on check stub provided showing earned income for that year

Most recent 30 days of bank transactions must verify:

• $500 in deposits in the month
• Good daily average balances with positive balance at beginning and end of statement
• Zero NSF fees or return charges
• Less than 6 overdraft charges
• More than 5 transactions in the month to be considered an active account

Voided Check or bank verification form

• Check must match the account number on the bank statement

Copy of Government issued photo ID

• Must show clear photo and signature

Exceptions to our EASY requirements:

Self Employed

• Must submit most recent 90 days of bank transactions

Retirement/Social Security/VA/Long Term Disability

• Must to provide benefit letter to verify monthly income

Short Term Disability/Child Support/Unemployment/Alimony/Scholarships/Grants

• Unfortunately at this time we are unable to accept these forms of income
• Consider adding a co-applicant that is able to provide a qualifying source of income

Flexible Underwriting

Now you can apply regardless your credit score, we have a flexible and unique underwriting criteria that allow us to have more deals approved that our competitors, don’t hesitate just Own it 4 Less.

Automatic Approval

We beat any statistics; we have more automatic approvals than any other rental company on the market, with the automatic approval process you don’t have to worry about anything else, just enjoy your Furniture at home.

Apply now