Get It Today. Pay Monthly.

Smartphones can be expensive. That’s why SmartPay lease-to-own helps you get the phone you want today, and pay monthly.

Shop with SmartPay now

Smartphones. The smart way.

SmartPay lease-to-own lets you shop for phones, accessories, and more today. And pay for it all monthly.



1. Apply in seconds

Visit a participating retailer, or apply online. Are you eligible?

  • 18+ years old
  • $1,000 monthly income before taxes and deductions
  • Checking account with a debit card
  • Social Security number

2. Instant decision

  • No long waiting period
  • Up to $1500* to shop
  • Less than perfect credit OK
  • Only first month's payment due today



3. Pay monthly

  • Payments scheduled from your bank account automatically.
  • You make monthly payments, so budgeting is easier.
  • Pay off in 90 days*, and it's the same as cash.

*Not all customers are approved for $1500 and 90 days same as cash. Some customers may only qualify for lower dollar amounts and shorter term plans.

SmartPay makes it easy

We want you to shop for the phones and accessories you want. That’s why we keep our fees affordable and transparent. There’s no fine print, so you always know exactly what you pay.

  • Up to $1500* to shop
  • Only first month's payment due at checkout
  • Automatic monthly payments from your debit card
  • Pay off in 90 days, and it's the same as cash


*Not all customers are approved for $1500 and 90 days same as cash. Some customers may only qualify for lower dollar amounts and shorter term plans.

Safe and secure


We protect your information.

Protecting your information is our top priority. That’s why we use the same security as the largest banks and financial institutions. Your data is always encrypted on our network, and we monitor every step of your transaction.

Trust and Privacy

    Our security standards are certified and monitored by third parties.

  • We earned the VeriSign security seal because we encrypt all personal and financial information using 128-bit Secure Socket Layer (SSL) encryption.
  • TRUSTe certified our privacy protection standards.
  • McAfee independently monitors and tests our system integrity and data security.
  • We protect your personal data according to our Privacy Policy.

 

Ready to use SmartPay?