Phones Bundled with Service Plans.
SmartPay is the lease payment plan that lets you get the devices you want today, and pay for them over time along with your service plan with easy scheduled payments.
Here's how SmartPay works
Select Your Device & Service Plan

Browse and compare the devices on the retailer's website, then select the one that fits your needs and budget. You'll also need to select a service plan to go along with your device.

Check Out with SmartPay

Once you've selected your device and service plan, choose SmartPay as the payment method on the billing page.

The application process is short and simple!
You’ll need:
  • To be 18 or older
  • $1000 monthly income before taxes
  • Social security number
Get Approved

Applying for SmartPay is easy. You simply need to:

  • Provide your email address and other basic personal information.
  • Once approved, cover your initial payment with a credit or debit card associated with a standard US checking account.
That's it!
  • The retailer will ship your order directly to you.

Easy All-In One Payment
Once you complete your order with the retailer, you'll make your payments for your device and service plan directly to SmartPay. We make it easy for you to manage your lease payment plan from your SmartPay account online.

Pay monthly for your device and service plan together, and your service plan will be automatically refilled every 30 days.

Pay Monthly Over Time
You can update your personal information, payment method, and make payments directly from your SmartPay account online.
Upgrade Your Service
Want more data? Contact our Customer Support Team, and we'll help you upgrade your auto-refill service plan.
Early Payoff Saves You Money
With our Early Payoff Option, you can save on total fees and own your device before the end of your lease term.

SmartPay helps you get the devices you want today by providing a lease payment plan you can pay over time along with your service plan.
What's your budget for a smartphone and a service plan?
Select the cost of smartphone



Select service plan
Select lease term
Your monthly payment would be:
with the first payment due at the time of the transaction

By the numbers - the SmartPay Lease Payment Plan


Initial payment
Make your first payment when you complete checkout; a credit or debit card associated with a standard US checking account is required.

Monthly payment
The amount you pay each month for the length of your lease plan. Your monthly payment combines the payment for your leased device with your service plan payment, along with fees and taxes.

Plan Length

Pay over 15, 22,or 24 months. Length of plan is determined when you apply.

Early Payoff Option

Pay off your lease early and save on total fees with our Early Payoff Option.

Frequently Asked Questions
What do I need to apply for SmartPay?

You must be at least 18 years old with a valid Social Security Number, have a minimum monthly income of $1000 and have a credit card or debit card associated with a standard US checking account to pay for the initial payment.

How do I make monthly payments?

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.

How do I upgrade my service plan?

To upgrade your auto-refill service plan, just reach out to our Customer Support Team and we'll be happy to assist you. Upgrades will go into effect immediately.

I ran out of data before my service end date. How do I add a service plan?

You can add a service plan online through your carrier or by contacting the SmartPay Customer Support Team.

Note: This does not change the scheduled date for your auto-refill service plan.

Can I pay off my order early?

Yes. With our Early Payoff Option*, you can save on total fees and own your device before the end of the lease term.

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.

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. 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.

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 if I miss a payment?

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.

* The Early Payoff Option is not available in NJ, MN, WI, and WY. Customers in NJ, MN, WI, and WY are offered a 12 month lease payment plan which renews annually. Your lease plan may be cancelled at anytime. An early termination fee may be applied.