Straight Talk Phones with SmartPay®

Learn how Straight Talk offers SmartPay as a lease-to-own payment option.

Find a Straight Talk Location With SmartPay

Shopping for a new phone or device can be difficult, especially if you have poor credit. The good news is, you can lease-to-own a variety of Straight Talk phones with SmartPay. Get you the phones and devices you want, at a price you can afford.

Trending Phones

Samsung Galaxy S20 5G

Lease as low as: $27.09/month

Retail: $649.99

iPhone 12

Lease as low as: $30.42/month

Retail: $729.99

iPhone SE 3rd Gen

Lease as low as: $15.84/month

Retail: $379.99

**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.

Find a Straight Talk Location With SmartPay

Find a Straight Talk Location

Find a Straight Talk store near you that offers SmartPay. Apply and get the phone you want today with SmartPay.


When you have picked out your phone and accessories, you’re ready to complete your transaction and make the first payment on your SmartPay lease-to-own agreement for your new Straight Talk phone.

All future lease-to-own payments will occur on the payment date you choose during the application process. 

Remember, there is no long-term commitment! You can buyout of your SmartPay lease-to-own agreement at anytime!



Once all of your SmartPay lease-to-own payments are made, you will own your phone(s) and accessories.

If, however, you want to upgrade your phone before the end of your lease-to-own agreement, you will need to:

SmartPay Merchant

Lease-to-Own With SmartPay