Who can apply

What you need to apply for a lease with Ownvia. Meeting these doesn't guarantee approval: a person on our team looks at your whole situation.

You need

• To have reached the age of majority and live in Ontario (more provinces later).
• A take-home income of at least $1,800 a month.
• A chequing account in your name, which you connect through Flinks so we can confirm your income and pay dates.
• Two pieces of government ID with your photo or name, of different types.
• An email address and a mobile phone number.

We also look at

• Your existing debts: rent, loans and lease payments shouldn't take too large a share of your income.
• Short-term or payday loans, and recent bounced payments (NSF) in your bank account.
• Bankruptcy or a consumer proposal in progress.

Already a customer?

If we checked your ID in the last 12 months, you won't need to send it again: just confirm your details and connect your bank.

Start shopping Apply before you shop

Ownvia offers lease-to-own agreements. You lease the item and own it once you complete your lease or use an early purchase option. Leasing to own costs more than buying the item at the retailer's cash price; every price we show includes the total cost to own. To review your application, Ownvia confirms your identity and income, including through a secure connection to your bank with Flinks. We look at more than a credit score, and not all applicants are approved. Currently available in Ontario only. Prices exclude taxes.