Phones. Accessories. Service Plans.
SmartPay is the lease-to-own plan that lets you pay for it all monthly with 90 days same as cash on orders above $400. *
Here's how SmartPay works:
Choose SmartPay
When you’re ready to check out, just choose SmartPay. If approved, you can get up to $1500 for everything in your cart.
Get an Instant Decision
The SmartPay application is easy and fast, and you only need a debit card to make the first monthly payment.

  • $1000 monthly income before taxes
  • Debit card from a bank account
  • Sufficient funds for 1st payment
  • Social Security number
Get Your Order
After you check out and make your first payment, you will receive your order in the mail.
Pay Monthly
You make automatic payments directly to us from your bank account. *
Early Payoff Saves You Money
If you pay the total due within 90 days, it’s the same as cash. And after 90 days, Early Payoff still saves you on total fees. *
Manage Your Account
You can update your personal information, payment method, and make payments directly from your BillFloat account.

Frequently Asked Questions

Am I eligible to apply for SmartPay?

If you meet the following criteria, then you can apply.

  • 18+ years old
  • $1000 monthly income before taxes
  • Bank account with debit card
  • Social Security number

What information do I need to apply?

To apply, have the following information ready.

  • Name, address, and contact information
  • Employment information - how much you get paid and how often
  • Bank account with debit card for the first payment
  • Email address

Do you check my credit when I apply for SmartPay?

Yes. But a lot of our customers have less than perfect credit. So if you meet the eligibility requirements, go ahead and apply.

What happens after I am approved?

You get to shop! You can use up to the full approval amount when you check out. Your total cart, including all taxes, must be equal or less than your approval amount.

How do I make payments?

It’s easy. 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 Early Payoff, if you pay the total due in 90 days, it’s the same as cash.* After 90 days, you can still save on fees and interest when you choose Early Payoff. There are no penalties for paying early.

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.

* If you received a 6-payment, 30 days same as cash offer, you make 6 automatic monthly payments directly to us from your bank account. If you pay the total due within 30 days, it’s the same as cash. After 30 days, Early Payoff still saves you on total fees.


SmartPay is a lease-to-own transaction (in New Hampshire a rent-to-own transaction and in Massachusetts a consumer lease). You acquire ownership after all payments are made in full. The lease can be terminated anytime by returning your items.

Enter purchase price

  • Number of payments: 0
  • Lease payments: $ 0
  • Total for all lease payments: $ 0