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
Number of payments:
Upfront payment due today:
$0.00 - $75.00*
remaining lease payments of:
$95.00 - $102.00*
Total for all lease payments:
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.