Samsung Lease to Own Phones

The Samsung Phone 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 Samsung phone that you want more affordable. Shop at any of our retail partners with confidence knowing that you can lease the Samsung Galaxy S21, Samsung Galaxy A32, or the Samsung device that best fits your lifestyle – even with less than perfect credit.

Samsung Galaxy Note9

As low as $22.92/mo**
24 Total Lease Payments
SmartPay Leasing - Samsung Galaxy Note9
  • 128GB storage
  • Powerful, all-day battery
  • Cutting-edge modem for fast downloads and uploads
  • Large Infinity Display
  • All-new S Pen – now with intelligence for ultimate control

Samsung Galaxy A32

As low as $10.42/mo**
24 Total Lease Payments
SmartPay Leasing - Samsung a32
  • 5G Capable
  • Long-Lasting Battery
  • Expandable Storage
  • High-Res Quad Camera
  • Bold, Crisp Colors From Edge to Edge
  • Modern Design
  • 15W Fast Charging
  • Adaptive Power Saving
  • Bluetooth 5.0

Samsung Galaxy S10

As low as $31.25/mo**
24 Total Lease Payments
SmartPay Leasing - Samsung Galaxy S10
  • Dimension | 142.2 x 69.9 x 7.9 mm
  • Display | 5.8” Full HD+ Dynamic AMOLED Infinity-O Display
  • Dual 12 MP 26mm Camera
  • Bluetooth 5.0
  • Long Lasting Battery
  • Processor | Qualcomm SDM855 Snapdragon 855 processor
  • Internal Memory 128 GB, 6 GB RAM
  • Weight | 150 g

Samsung Galaxy A32

As low as $46.13/mo**
11 Total Lease Payments
SmartPay Leasing - Samsung a32
  • 5G Capable
  • Long-Lasting Battery
  • Expandable Storage
  • High-Res Quad Camera
  • Bold, Crisp Colors From Edge to Edge
  • Modern Design
  • 15W Fast Charging
  • Adaptive Power Saving
  • Bluetooth 5.0

Samsung Galaxy A12

As low as $8.75/mo**
14 Total Lease Payments
SmartPay Leasing - Samsung Galaxy A12
  • Long Lasting Battery
  • A Processor You Can Depend On
  • Expandable Storage
  • Multi-lens Camera Experience
  • Infinite Display
  • Modern Design
  • Side Fingerprint Sensor
  • Bluetooth 5.0

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. Samsung Galaxy A32: retail cost $299.99. Total cost after 24 30-day payments of $12.50: $299.99. Samsung S10: retail cost $749.99. Total cost after 24 30-day payments of $31.25: $749.99. Samsung Galaxy A32: retail cost $289.99 Total cost after 11 30-day payments of $46.13: $507.43. Samsung Galaxy A12: retail cost $69.99. Total cost after 14 30-day payments of $8.75: $122.48. 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.