Here's How SmartPay Works

Select Your Bundle and Save

Browse and compare the devices, then select the one that fits your needs and budget along with a service plan.

Check Out with SmartPay

Choose SmartPay as your payment method. The application process is quick and easy!

Pay Monthly over Time

Payments are deducted directly from your debit account. One easy payment that includes both your device and service plan.

…and Here’s What You’ll Need:

18+ Years Old with a Social Security Number

$1000 Monthly Income Before Taxes

Debit or Credit Card for Low Upfront Payment

Calculate Your Monthly 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.

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.

* FICO score will not be used to determine eligibility, but credit information and consumer reports will still be reviewed. Approval not guaranteed.

Frequently Asked Questions

The “Excellent Credit” option (24-month plan) checks your credit score in determining your SmartPay+ offer. If you have an excellent credit score, you may want to apply for this option. However, if you don’t have an excellent credit score or don’t want us to look at your credit score, then you can apply for SmartPay+ with the “Building Credit” option. Your credit score will not be checked with the “Building Credit” (15-month plan) option.

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.