The bank said no.
We say you own it.
Lease-to-own brand-new construction & landscaping equipment built for hardworking contractors. ITIN welcome. No credit needed to start. Make simple monthly lease payments — and the equipment is yours at the end.
- ITIN accepted
- No credit to start
- You own it at the end
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hrs to approval
0%
you own it
$0
hidden fees
Built for contractors banks turn away
No SSN required Bilingual team Phoenix & Tucson Lease-to-own, not a loanChoose your path
Two ways to grow with wOWNit
Whether you need equipment or you send us customers, there's a path for you.
I need equipment
Lease the excavator, skid steer, mower, or trailer you need to take on bigger jobs. Simple monthly payments — and it's yours when the lease ends. No bank, no perfect credit required.
- Apply with your ITIN — no SSN needed
- Predictable monthly lease payments
- Own the equipment at the end
I'm a dealer
Don't lose the sale when a customer gets rejected. Refer them to wOWNit, we handle the lease-to-own, and you earn a commission — while keeping your equipment moving.
- Turn rejected customers into paid commissions
- We handle approvals & paperwork
- Fast payouts, simple referral process
Simple & transparent
How lease-to-own works
Four clear steps. No surprises, no fine-print traps.
Apply
Tell us what equipment you need and a little about your work. ITIN is fine — no credit check just to apply.
Get approved
Our bilingual team reviews your application — often within 48 hours — and sets up a lease that fits your budget.
Get to work
Pick up your equipment and start earning. Make simple, predictable monthly lease payments.
Own it
Finish your lease term and the equipment is 100% yours. No balloon payment, no tricks.
What you can lease
Construction & landscaping equipment
Every machine is brand-new — never used. Don't see it? Ask, we source most makes and models.
Excavators
Mini to mid-size for digging & trenching.
Skid steers
Versatile loaders for any jobsite.
Mowers & turf
Commercial zero-turn & landscaping gear.
Trailers
Haul your crew and gear, job to job.
Trucks & dumps
Work trucks and dump beds for hauling.
Tools & attachments
Augers, breakers, compactors & more.
Real contractors, real equipment
Trusted across Arizona
"Three banks said no. wOWNit got me into a skid steer in two days. Now it's mine and I've doubled my crew."
"They spoke Spanish, explained everything, and used my ITIN. The payments are clear every month. No surprises."
"As a dealer, I used to lose customers the bank rejected. Now I refer them to wOWNit and get paid. Win-win."
Lease-to-own application
Get the equipment you need today
Fill this out in about 2 minutes. No SSN required, no credit check just to apply, and a bilingual team ready to help.
- ITIN accepted — no Social Security number needed
- Applying does not affect your credit
- You own the equipment at the end of the lease
Start your lease-to-own
By submitting, you agree to be contacted about a lease-to-own agreement. This is not a loan application.
Dealer program
Stop losing rejected customers. Get paid instead.
When a customer can't qualify with a bank, send them our way. We set up the lease-to-own, they get their equipment, and you earn a commission on the deal you would have lost.
1
Refer the customer
2
We close the lease
3
You get your commission
Dealer referral
Send us a rejected customer and start earning.
Questions