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Simple. Easy. SmartPay.

By offering every customer SmartPay, your customers can shop with no credit required and lease-to-own the phone and accessories that they really want with payments that they can afford.

Test Your SmartPay Knowledge.

Take our quiz to see how well you know the SmartPay program.  If you need any help review the training documents below.

How to Process an Application

What Items Can Be Leased-to-Own

SmartPay Basics

How to Apply With ITIN

Associate Benefits


How SmartPay Works

Apply Now

SmartPay Leasing - How Leasing Works - Apply

With a simple application and approvals up to $1,500, introduce the SmartPay option to every customer and have them apply today!

Qualifications for a SmartPay Lease-to-Own transaction:

  • Customer must be present at the store
  • 18 years of age or older
  • Valid ID
  • SSN or ITIN
  • Bank Account with a Debit Card or Credit Card

Start Shopping

SmartPay Leasing - How Leasing Works - Shop

If approved, have your customers shop for the device and accessories they want to lease-to-Own.

Review & Sign

SmartPay Leasing - How Leasing Works - Checkout

Help your customer complete their lease-to-own transaction.  Your customer will review & sign their lease-to-own terms & conditions, and make their first lease payment. Future lease payments will reoccur on the payment date that they choose during the application process.

Own Their Device*

SmartPay Leasing - How Leasing Works - Ownership

Let your customer know that once they complete all of their scheduled payments, they own their items*! If they want to upgrade their phone before the end of their lease, have them simply contact SmartPay to buy out of their current lease, open a new one, and upgrade to the device they want.

*Early purchase and buyout not available in MN, NJ, WI, and WY.