Browse and compare the devices, then select the one that fits your needs and budget along with a service plan.
Choose SmartPay as your payment method. The application process is quick and easy!
Payments are deducted directly from your debit account. One easy payment that includes both your device and service plan.
18+ Years Old with a Social Security Number
$1000 Monthly Income Before Taxes
Debit or Credit Card for Low Upfront Payment
Monthly payment amount does not include the price of a service plan, which is required for a SmartPay+ lease, or any applicable sales taxes.
With our Early Payoff Option, you can save on total fees and own your device before the end of your lease term.
* FICO score will not be used to determine eligibility, but credit information and consumer reports will still be reviewed. Approval not guaranteed.
Your choice here helps us determine the best lease terms for you. Selecting "Excellent Payment History" indicates that you have a strong history of making on-time payments to those you have agreed to pay (e.g. phone, car, home payments). If you rarely miss a scheduled payment, this is for you.
Selecting "Building Payment History" indicates that you are establishing a stable rhythm of making payments on time. If you have missed a few payments in the past or are just starting to pay bills, this option is for you.
Neither of these options check your credit score.
We will not refill your service plan until your existing service plan is used up. You will not lose any days of service.
You make payments directly to SmartPay. The initial payment is due at checkout, and after that, payments are due every 30 days.
We email you 3 days before the payment is due, and then automatically charge your payment method on file. You can always update your payment method online.
Yes. With our Early Payoff Option, you can save on total fees and own your device before the end of the lease term.
Note: SmartPay+ is not currently available in MN, NJ, WI, and WY (i.e., no Early Payoff Option).
Note: Once the lease is complete, however, your service plan will no longer be automatically refilled via SmartPay+. You will need to enroll in an auto-refill plan through your carrier.
Yes. You can return the items to the retailer within their return window for a refund. After that, you will need to return the items to SmartPay in order to cancel your lease. If you make all scheduled payments, you will own the items.*
For the Excellent Credit Option, SmartPay will review and consider your credit score. Because we are reviewing and considering your credit score, it will appear on your credit report.
For the Building Credit Option, SmartPay does not review or consider your credit score, so it will not appear on your credit report.
If your payment is overdue, your service will be shut off. Your carrier will not permit you to add airtime and data services to the device until your SmartPay account is brought current.
Note: We are not responsible for any lost data that may occur due to service being disabled.
Yes. Once you have completed your lease, you own the device.
* SmartPay+ is not available in MN, NJ, WI, and WY.