How Does SmartPay Work
Learn More About Lease-to-Own Phones
Make The Smart Choice with SmartPay
No Credit Required | Flexible Lease Payments
Approvals up to $1,500 | Upgrade Your Phone at Anytime
Apply
- 18+ years old
- Valid social security number
- $1,000 monthly income before taxes
- Debit or credit card for your first lease payment
Shop
- If approved, shop online or visit our retail partners
- Then select the items you want to lease-to-own
Checkout
- Complete your transaction and make your initial lease-to-own payment
- Future lease-to-own payments will reoccur on the payment schedule you choose
- Take advantage of our 90-day Early Payoff Option**
**Not available in MN, NJ, WI, WY
Own It*
- Once you complete all of your scheduled lease-to-own payments, you own your items!*
- If you want to upgrade your phone before the end of your lease-to-own agreement, simply contact SmartPay at 844-663-1309 to buyout of your current lease and open a new one.
Start Shopping With SmartPay
Visit one of our online retailers and shop for the phone and accessories you really want.
Our Wireless Service Provider Partners
