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 ready to checkout just choose SmartPay while checking out. You'll be directed to the SmartPay website. Then:
  • Enter your email or mobile number you used to get approved
  • We'll immediately send you a verification code to enter.
  • Use a debit card from a bank account for the first payment due today
That's it!
  • The merchant will ship your order directly to you.
Easily Manage Payments
Once you complete your order with the merchant, you'll 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 helps you get the devices you want today by providing a lease payment plan you can pay over time.
What's your budget for a smartphone and a service plan?
If you lease items that cost...

$100

$1000

with SmartPay, you would pay just
upfront today
after that, you pay
and own in
per month
months
Or own your items with our Early BuyOut option,
pay only
*Taxes not included in these examples

By the numbers - the SmartPay Lease Payment Plan

Payments

Upfront payment
$0 to 25% of your lease amount, due when you complete checkout; a debit card is required.

Monthly payment
The fixed amount you pay each month for the length of your lease plan.

Plan Length

Pay over 6 to 24 months. Length of plan is determined when you apply.

90 day BuyOut Option

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.

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

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:

  • Choose SmartPay on the billing page. You'll be directed to the SmartPay website.
  • Enter your email or mobile number you used to get approved. We'll immediately send you a verification code to enter.
  • Use a debit card from a bank account for the first payment due today.
    • 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?

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.