$0 to 25% of your lease amount, due when you complete checkout; a debit card is required.
The fixed amount you pay each month for the length of your lease plan.
Pay over 6 to 24 months. Length of plan is determined when you apply.
Payoff your items early and save on total fees with our 90 day BuyOut Option*. A fee of 3.5% to 20% may apply based on your plan.
Easy, 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:
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.
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.
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.
Yes. But a lot of our customers have less than perfect credit. So if you meet the eligibility requirements, go ahead and apply.
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.