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With some basic info like your name, date of birth, & last 4 digits of your SSN we are able to consider everyone for a SmartPay lease, even those with less than perfect credit*.
We customize your approval amount based on you. It’s fast, easy, and your SmartPay application will not impact your FICO score*.
Leasing with SmartPay is easy. There are two ways to complete an application and begin your new lease:
We break down the cost of your smartphone into low, affordable payments. The cost depends on the retail value of the items you lease and the terms of the plan for which you are approved. You will have a chance to review your payments and terms before completing your lease.
To apply for SmartPay, you must:
All personal and payment information provided in the application must belong to you.
We only perform a credit check if you explicitly ask us to do so. By checking your credit score, we may be able to offer you better lease terms, such as lower monthly payments or a longer pay-off period.
Credit information and consumer reports may still be reviewed to determine whether you’re eligible for a lease, even if we do not check your credit report.
You will receive your items as soon as possible after completing your transaction. If youâ€™re applying in a store, youâ€™ll receive your items immediately after you complete the application. If youâ€™re applying online, your items will be shipped to your address by the merchant and arrive accordingly.
Although we try to approve as many customers as possible, we aren’t able to approve every application. Approval is based on a number of personal and financial qualifications.
In the case that you are not initially approved, you are always welcome to reapply anytime.
Yes. You can return your item at anytime without penalty. If you wish to return the items within the merchant’s return window, then you should return the items directly to the merchant. Please refer to the merchant’s return policy for instructions
If it is after the merchantâ€™s return window, you can return it to SmartPay by contacting our Customer Support Team to request a return label.
During the SmartPay application process, you will be asked to provide a credit or debit card to be used for your initial payment. SmartPay will automatically charge this card for all future scheduled payments, according to your lease’s payment schedule. Subsequent monthly payments may not be made in store.
You may update your payment information via your Consumer Home account.
We accept credit cards and debit cards associated with a standard US banking account (Visa, Mastercard, and Discover) for initial and subsequent lease payments. You may use a prepaid debit card to make a one-time subsequent lease payment.
Yes. You will receive payment reminders by text (SMS) message and email 3 days before your due date. If you are not sure when your next due date is, you can check your payment schedule by logging into your SmartPay account.
Yes. You can pay off your Lease early to save on total fees.
To pay off your Lease early, log into your SmartPay account and navigate to the “Make a Payment” tab. Here, you will see a “Payoff Lease” tab. Here, you will see a â€œPayoff Leaseâ€� button that will begin the early payoff process.
This option is not available in NJ, MN, WI, and WY, as these states do not allow customers to acquire ownership of the leased items. Customers in these states are offered a 12-month lease payment plan which renews annually. You can either cancel your Lease by returning the items, or renew your Lease at a lower cost.
We offer various payment frequency options based on whether your lease includes a service plan or not. Without a service plan, you have the choice of monthly, every 4 weeks, twice monthly, and every other week options. With a service plan, you must pay on a monthly basis as service is based on monthly intervals.
You may also take advantage of the Early Payoff Option. To confirm this amount, log into your SmartPay account and navigate to the “Make a Payment” tab.
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Fast and easy payment option, with approvals up to $900
(Applying for SmartPay should not impact your FICO score*)