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 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 payment with a valid credit or debit card and start using your new phone.
Own It*
Once you complete all of your scheduled payments, you own your items!†
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