iPhones Lease to Own Phones

The iPhone You Want With Payments That Fit Your Budget

No Credit Required | Flexible Lease to Own Payments
No Late Fees | Upgrade Your Phone at Anytime

SmartPay is a lease to own* option that makes the iPhone that you want more affordable. Shop at any of our retail partners with confidence knowing that you can lease the iPhone 11, iPhone 12, or the iPhone version that best fits your lifestyle even though you have less than perfect credit.

iPhone 11 64GB

As low as $12.50/mo**
24 Total Lease Payments
SmartPay Leasing - iPhone 11 Black
  • Bluetooth 5.0
  • Face ID for Secure Authentication and Apple Pay
  • Spatial Audio
  • Dolby Atmos
  • Wireless Charging
  • Fast-Charge Capable
  • Faster Wi-Fi
  • Gigabit-Class LTE
  • Audio Sharing
  • Dual SIM with eSIM

iPhone 12 Mini

As low as $20.83/mo**
24 Total Lease Payments
SmartPay Leasing - iPhone 12 Mini
  • 5.4-inch Super Retina
  • XDR Display
  • Ceramic Shield
  • 5G Connectivity
  • A14 Bionic Chip
  • Advanced Dual-Camera
  • System
  • Night Mode
  • Deep Fusion
  • Smart HDR 3
  • 4K Dolby Vision HDR
  • Recording
  • IP68 Water Resistance
  • Supports MagSafe
  • Accessories
  • iOS 14

iPhone 13

As low as $34.58/mo**
24 Total Lease Payments
SmartPay Leasing - iPhone 13 Midnight
  • 6.1-inch Super Retina
  • XDR Display
  • Cinematic Mode
  • Advanced Dual-Camera System
  • Smart HDR 4
  • Night Mode
  • 4K Dolby Vision HDR Recording
  • 12MP TrueDepth Front Camera
  • A15 Bionic Chip
  • Up to 19 Hours of Video Playback
  • Durable Design with Ceramic Shield
  • IP68 Water Resistance
  • 5G Connectivity
  • iOS 15
  • Supports MagSafe Accessories

iPhone 13 mini

As low as $84.32/mo**
11 Total Lease Payments
SmartPay Leasing - iPhone 13 Mini
  • Bluetooth 5.0
  • Face ID for Secure Authentication and Apple Pay
  • Spatial Audio
  • Dolby Atmos
  • Wireless Charging
  • Fast-Charge Capable
  • Faster Wi-Fi
  • Gigabit-Class LTE
  • Audio Sharing
  • Dual SIM with eSIM

iPhone SE 64 GB

As low as $24.99/mo**
14 Total Lease Payments
SmartPay Leasing - iPhone SE 64GB Black
  • 5.4-inch Super Retina
  • XDR Display
  • Ceramic Shield
  • 5G Connectivity
  • A14 Bionic Chip
  • Advanced Dual-Camera
  • System
  • Night Mode
  • Deep Fusion
  • Smart HDR 3
  • 4K Dolby Vision HDR
  • Recording
  • IP68 Water Resistance
  • Supports MagSafe
  • Accessories
  • iOS 14

Lease to Own With SmartPay

SmartPay Leasing - How Leasing Works - Apply

Apply

Apply online, decisions are instant.

SmartPay Leasing - How Leasing Works - Shop

Shop

Find a SmartPay retailer near you or online and choose your new phone and accessories.
SmartPay Leasing - How Leasing Works - Checkout

Checkout

Make your first payment with a valid credit or debit card and start using your new phone.

SmartPay Leasing - How Leasing Works - Ownership

Own It*

Once you complete all of your scheduled payments, you own your items!

Our Wireless Service Provider Partners

iPhones

**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. The amount of payment due at lease origination, periodic payment amount and frequency, other charges, and total of periodic payments necessary to obtain ownership are based on lease amount of leased item(s). Approval not guaranteed. iPhone 11: retail cost $299.99. Total cost after 24 30-day payments of $12.50: $299.99. iPhone 12 mini: retail cost $499.99. Total cost after 24 30-day payments of $20.83: $499.99. iPhone 13: retail cost $829.99 Total cost after 24 30-day payments of $34.58: $829.99. iPhone 13 mini: retail cost $529.99. Total cost after 11 30-day payments of $84.32: $927.48. iPhone SE: retail cost $199.99. Total cost after 14 30-day payments of $24.99: $349.98. Final payment more in NC. Taxes and applicable fees may apply. Retail prices are subject to change. We may check past payment history, but no established FICO score or credit history is necessary. Approval not guaranteed. The customer may end the lease and return the phone at any time. Wireless service with the carrier is additional.