Phones. Accessories. Service Plans.
SmartPay is the lease plan that lets you get the devices you want today and pay for them over time with easy scheduled payments.
Here's how SmartPay works
Get Approved
The application process is fast! You’ll need:

  • To be 18 or older
  • $1000 monthly income before taxes
  • Social security number
Go Shopping
Once approved, go shop to lease up to your approval amount. Your total cart, including all taxes, must be equal or less than your approval amount.
Checkout
When you’re done shopping, just choose SmartPay while checking out. Then:

  • Use a debit card from a bank account for the upfront payment due today and agree to the lease agreement
That's it!

  • The merchant will ship your order directly to you.

Easily Manage Payments
Once you complete your order with the merchant, you make your payments directly to SmartPay. We make it easy for you to manage your lease payment plan from your SmartPay account home.
Pay Monthly
You can update your personal information, payment method, and make payments directly from your SmartPay account home.
Early Payoff Saves You Money
With our 90 Day BuyOut Option, you can own your items early for the cost of the leased items plus a Buyout fee of as little as 3.5%.* And after 90 days, Early Payoff still saves you on total fees.

Pricing

SmartPay lease pricing is straightforward and transparent. The amount you pay depends on the individual payment plan months you are approved for as well as the total purchase amount of the items you lease. When you are approved, you receive a personal offer that consists of:

Total Approval Amount
lease from $100 to $ 2000
Payment Plan Months
pay over 6 to 24 months
Early PayOff Option
90 day BuyOut Option that lets you own your items early and save on total fees*
Upfront Amount
from $0 to 25% of the total leased amount you pay today to take home your items
Monthly Payment
the fixed amount you pay each month for your lease until all scheduled paymets are made and you own your items.

The following calculator lets you estimate the monthly lease payment based on different payment plan months which are determined when you apply and are approved for SmartPay.

Enter retail price without tax

Months
$
  • Number of payments: 12
  • Upfront payment due today: $0.00 - $75.00*
  • 11 remaining lease payments of: $93.00 - $100.00*
  • Total for all lease payments: $ 1100.0

Frequently Asked Questions

I am already approved. How do I use my approval amount?

Easy. Once approved, shop to lease up to your approval amount on the merchant website. Your total cart, including all taxes, must be equal or less than your approval amount.

When you're ready to checkout:

  1. Choose SmartPay to pay for your order when completing purchase on the merchant website. You’ll then be directed to the SmartPay website.
  2. Enter your Birthday and Social Security number on the SmartPay website.
  3. Use a debit card from a bank account for the first payment due today, and agree to the lease agreement.

That’s it. The merchant will ship your order directly to you.

How do I make monthly payments?

You make payments directly to SmartPay. We email you 3 days before the payment is due, and then automatically debit your bank account. You can always update your payment method on your SmartPay Home.

Can I pay off my order early?

Yes. With our 90 Day BuyOut Option, you can own your items early for the cost of the leased items plus a Buyout fee of as little as 3.5%.* And after 90 days, Early Payoff still saves you on total fees.

Can I return my order? What happens?

Yes. When you use SmartPay, you are leasing the items in your order, and fully own them when you complete your payments. If you return the entire order, your payments stop.

Do you check my credit when I apply for SmartPay?

Although we do not do a traditional credit check, we do use a variety of 3rd party databases to verify your personal and financial information which may or may not appear as an inquiry on your credit file. This is why it is important to be as accurate as possible when completing the SmartPay application.

* BuyOut Option fees vary from 3.5% to 20% depending on the lease-to-own payment plan you qualify for. A BuyOut option is not available in NJ, MN, WI and WY. Customers in NJ, MN, WI and WY are offered a 12 month lease plan which renews annually. Your lease plan may be cancelled at anytime. An early termination fee may be applied.

You can not own leased items in NJ, MN, WI, WY. Instead you can cancel your lease at the end of the term, or you can renew at a lower cost.