We show how the fractional moment method of Aizenman and Molchanov can be applied to a class of Anderson-type models with non-monotone potentials, to prove (spectral and dynamical) localization. The main new feature of our argument is that it does not assume any a priori Wegner-type estimate: the (nearly optimal) regularity of the density of states is established as a byproduct of the proof. The argument is applicable to finite-range alloy-type models and to a class of operators with matrix-valued potentials.