• Up to $2000 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 or on mobile

Up To $2000 *

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

Make Payments

  • Payments are scheduled to your pay days
  • Save on fees with Early Payoff options *

* Not all applications are approved for $2000 of equipment, or 90 day BuyOut Option. Lease terms vary and customers receive 6, 8, 10, 12, 18 and 24 month offers. With Early Payoff, you save on total fees paid.

"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.

When you are approved, you receive a personal offer that consists of:

Total Approval Amount: lease from $100 to $2000 Payment Plan Months: pay over 6 to 24 months Early PayOff Option: 90 day BuyOut Option that lets you own your items early and save on total fees** Upfront Amount: $0 to 25% of the total leased amount you pay today to take home your items Monthly Amount: the fixed amount you pay each month for your lease until all scheduled payments are made

* 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.

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