How We Help Our Customers

60% of Americans live paycheck to paycheck and lack the cash to purchase essential durable goods like furniture, appliances, or tires.​ Many of them do not qualify for traditional credit, even at the highest interest rates allowed by law.​ This is why we created our innovative, no credit score needed approach.

Kornerstone Living believes there is a better way. ​

  • We believe not everyone categorized as 'subprime' by their FICO score is high risk.
  • We believe not every new consumer who lacks credit history breaks their promise to pay.​
  • We believe all consumers should be recognized and provided with better options.

An affordable way to get essentials, with flexible plans you can buy out anytime.​

The Road Ahead

Kornerstone was launched in April of 2018 with several like-minded investors. Since then, we have invested an additional $20M, allowing Kornerstone to purchase over $430M of goods from more than 2,000 local retailers in 40 States, and lease these goods to over 300,000 customers. In January of 2026, Kornerstone Living's assets were acquired by Uown Leasing, a like-minded organization who retained the Kornerstone Living Team to help grow the opportunities for our merchant partners and customers. 

As a no credit needed option, we don't require a credit score in our approval process. We will continue to provide innovative and affordable alternatives for the customers who need better options to obtain life's essential goods.

Kornerstone's Impact Since April 2018

Kornerstone Living Impact
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Quality Appliances
Kornerstone Living Impact
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Safe Tire Installed
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Good Night Rests
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Homes Furnished
4-1
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Investment
3-2
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Goods Purchased
2-2
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Customer Served
1-2
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Operating in

Financial Knowledge

We believe the innovative products we offer are only a part of the solution. Kornerstone Living’s bigger mission is to share what we have learned to help our customers make smarter everyday decisions to improve their financial situation. ​

We work with many individual contributors and organizations who share the same passion to inform, educate, and empower our customers.