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Phoenix & Tucson, Arizona

The bank said no.
We say you own it.

Finance brand-new construction & landscaping equipment built for hardworking contractors. ITIN welcome. No credit needed to start. Make simple monthly payments — and the equipment is yours from day one, financed over time.

Finance equipment Become a dealer
  • ITIN accepted
  • No credit to start
  • You own it from day one
A contractor standing beside the John Deere mini excavator he financed through wOWNit
You own it from day one

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hrs to approval

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you own it

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hidden fees

Built for contractors banks turn away

No SSN required Bilingual team Phoenix & Tucson A financed purchase — you own it

Choose 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

Finance the excavator, skid steer, mower, or trailer you need to take on bigger jobs. Simple monthly payments — and it's yours from day one, financed over time. wOWNit finances it directly, so there's no bank and no perfect credit required.

  • Apply with your ITIN — no SSN needed
  • Predictable monthly payments
  • Own it from day one
Get started

I'm a dealer

Don't lose the sale when a customer gets rejected. Refer them to wOWNit, we handle the financing, 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
Join the dealer program

Simple & transparent

How financing works

Four clear steps. No surprises, no fine-print traps.

1

Apply

Tell us what equipment you need and a little about your work. ITIN is fine — no credit check just to apply.

2

Get approved

Our bilingual team reviews your application — often within 48 hours — and sets up financing that fits your budget.

3

Get to work

Pick up your equipment and start earning. Make simple, predictable monthly payments.

4

Own it free & clear

You own the equipment from delivery. Your final monthly installment releases the wOWNit lien — no surprise final payment, no hidden final fee.

What you can finance

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 financed a skid steer for me in two days. Now it's mine and I've doubled my crew."
JM José M.Concrete contractor • Phoenix
"They spoke Spanish, explained everything, and used my ITIN. The payments are clear every month. No surprises."
MR María R.Landscaping owner • Tucson
"As a dealer, I used to lose customers the bank rejected. Now I refer them to wOWNit and get paid. Win-win."
DT David T.Equipment dealer • Mesa

Equipment financing application

Get the equipment you need today

Chat with our bilingual team or give us a call to get started — no SSN required, and no credit check just to apply.

  • ITIN accepted — no Social Security number needed
  • Applying does not affect your credit
  • You own the equipment from day one, financed over time

Ready to apply?

Start your equipment financing application online — it takes about 2 minutes.

Apply for financing

Prefer to talk? Call or email us.

(602) 671-2267 Email us

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 financing, they get their equipment, and you earn a commission on the deal you would have lost.

1

Refer the customer

2

We close the financing

3

You get your commission

Apply to refer customers

Join the dealer program

Sign up to start referring customers and earning commissions on the deals banks turn away.

Apply to refer customers

Prefer to talk? Call or email us.

(602) 671-2267 Email us

Questions

Frequently asked questions

It's a financed purchase — an installment sale. You buy the equipment and pay for it over time in fixed monthly installments (principal + interest). wOWNit provides the financing directly and holds a security interest until it's paid in full. It is not a lease or rental.
Yes. We welcome ITIN holders and contractors with no credit history. We look at your work and your ability to make the monthly payment — not just a credit score.
You've owned the equipment since delivery. Your final monthly installment releases wOWNit's security interest (lien) — there's no surprise final payment and no hidden final fee. It's simply yours, free and clear.
We serve contractors across the Phoenix and Tucson metro areas and much of Arizona. Not sure if you're covered? Apply or call us and we'll let you know.
Refer a customer the bank rejected. Once we set up their financing and the deal closes, you earn a commission. Sign up through the dealer program above to get started.
Everything we finance is brand-new — never used. You get a clean, current-model machine, not someone else's wear and tear.

Your next machine is closer than you think.

Join the contractors across Arizona who own their equipment through wOWNit.

Get started Call us