No Credit Lease-to -Own Phones - Pay Over Time
- No Credit Score Required
- Flexible Lease-to-Own Payments
- Upgrade Your Phone Anytime*
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**The advertised transaction is not a credit transaction. The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state). You will not own the merchandise until all lease-to-own payments are made or you exercise your early purchase option (“EPO”). Purchase option not available in MN, NJ, WI, WY. Not all customers will qualify. No security deposit required.
Lease-to-Own With SmartPay
Apply
Apply online, decisions are instant.
Shop
Find a SmartPay retailer near you or online and choose your new phone and accessories.
Checkout
Make your first lease-to-own payment with a valid credit or debit card and start using your new phone.
Own It*
Once you complete all of your scheduled lease-to-own payments, you own your items!†
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