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
![SmartPay Leasing - How Leasing Works - Apply](https://smartpaylease.com/wp-content/uploads/2021/10/smartpay-how-leasing-works-apply-white-icon.png)
Apply
- 18+ years old
- Valid social security number
- $1,000 monthly income before taxes
- Debit or credit card for your first lease payment
![SmartPay Leasing - How Leasing Works - Shop](https://smartpaylease.com/wp-content/uploads/2021/10/smartpay-how-leasing-works-shop-white-icon.png)
Shop
- If approved, shop online or visit our retail partners
- Then select the items you want to lease-to-own
![SmartPay Leasing - How Leasing Works - Checkout](https://smartpaylease.com/wp-content/uploads/2021/10/smartpay-how-leasing-works-checkout-white-icon.png)
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
![SmartPay Leasing - How Leasing Works - Ownership](https://smartpaylease.com/wp-content/uploads/2021/10/smartpay-how-leasing-works-own-white-icon.png)
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.
![iPhones](https://smartpaylease.com/wp-content/uploads/2021/03/iphone-seperator.jpg)
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
![Metro by T-Mobile Logo](https://smartpaylease.com/wp-content/uploads/2021/03/SPP-Retailer-Logos-10-1024x312.png)
![Straight Talk Wireless Logo](https://smartpaylease.com/wp-content/uploads/2021/03/SPP-Retailer-Logos-08-1024x312.png)
![Simple Mobile Logo](https://smartpaylease.com/wp-content/uploads/2021/03/SPP-Retailer-Logos-06-1024x312.png)
![](https://smartpaylease.com/wp-content/uploads/2022/09/SPP-Retailer-Logos-totalverizon-1536x467-1-1024x311.png)
![](https://smartpaylease.com/wp-content/uploads/2021/03/SPP-Retailer-Logos-14-1024x312.png)