• Up to $2000 Instant Approval

  • Easy Application Apply in Seconds

  • Shop In-Store 1,000s of Retailers

  • Shop Online Fast and Easy

How It Works

Simple & Fast


Apply In Seconds

Lease what you want today


Get Up To $2000 *

For devices, accessories and more


Pay Over Time

Easy scheduled payments

  • Payments 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

SmartPay helps you get the devices you want today by providing a lease payment plan you can pay over time.

Kyra shops around and likes the Samsung Galaxy Avant

I took home a new Galaxy Avant for only $29.85* today. After Only 11 more payments of $37 and it’s mine! I love it.

By the numbers - the SmartPay Lease Payment Plan


Upfront payment

$0 to 25% of your lease amount, due when you complete checkout, a debit card is required.

Monthly payment

The fixed amount you pay each month for the length of your lease plan.

Plan length Pay over 6 to 24 months. Length of plan is determined when you apply.
90 day BuyOut Option Payoff your items early and save on total fees with our 90 day BuyOut Option*. A fee of 3.5% to 20% may apply based on your plan.

* 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. Not everyone qualifies for a 90 day BuyOut option. Some customers only qualify for a 30, 45 or 60 day option.

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