• Up to $1500 Instant Approval

  • Easy Application Apply in Seconds

  • Shop In-Store Take it Home Today

  • Nationwide 1,000s of Retailers

How It Works

Simple & Fast


Apply In Seconds

  • Easy application
  • Instant decision
  • Apply in-store

Up To $1,500 *

  • 1,000s of retailers nationwide
  • Devices, accessories and more
  • Get what you want today

Make Payments

  • Payments are scheduled to your pay days
  • Same-as-cash Early Payoff option *

* Not all applications are approved for $1,500 of equipment, or same-as-cash Early Payoff. Lease terms vary and customers receive 6, 8, 10, 12, 18 and 24 month offers. With Early Payoff, you save on total fees paid and if you payoff your account within the same-as-cash period, you pay only the retail sales cash price plus tax.

"SmartPay helped me get the smartphone I wanted and make easy scheduled payments."

-D. Mitchel, SmartPay Customer


Affordable & Transparent

We want you to get the device and accessories you want - today. So we keep our pricing affordable and easy to understand. And because you pay the same amount for each scheduled payment, budgeting is easy and you always know where you stand.

Kyra shops around and likes the new LG Optimus F3

I took home a new LG Optimus F3 for only $21.50* today. After only 9 more payments it’s mine! I love it.

SmartPay customers receive an individual offer consisting of:

Approval Amount: $50-$1500 Payment Plan Months: 6 months to 24 months Early PayOff Option: 30 to 90 days same-as-cash** Upfront Amount: First scheduled payment plus tax Payment Amount: the amount of each fixed payment based on the payment frequency selected, i.e. monthly or every other week.

* This is a lease-to-own transaction (or in NH a rent-to-own transaction and in MA and VT a consumer lease). You acquire ownership after all payments are made in full. Lease can be terminated anytime by returning your items. LG Optimus F3 at $21.50 month plus tax for 10 months, total of all lease payments is: $215.00 plus tax.

** The Early PayOff Option in California is 90 days same-as-cash.

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