SmartPay lets you buy your phone today, and pay for it over time. Terms and conditions apply. Monthly payments are based on payment history and other factors. Click here to read through SmartPay terms and conditions. Visit the SmartPay customer portal to manage payments.
To get started, visit our website and select a product and a plan. Then, on the checkout page, select the SmartPay payment method. You'll be taken to a new window to complete the SmartPay leasing application.
Here are some answers to frequently asked questions!
Does applying hurt my credit score?
SmartPay is a no credit required lease-to-own product. "No credit required" means that, although no minimum FICO score or established credit history is necessary to apply, SmartPay may check past payment history based on the information you provide in the application.
Can I improve leasing terms later if my score improves or I make a larger payment?
The approval amount and lease term option will vary by customer and device. Also, your FICO score does not determine SmartPay eligibility and will not affect the lease term offer. SmartPay does requires an upfront or initial payment but it cannot exceed the amount of your ongoing lease payment amount.
If I am approved for $1000, can I buy one item for $400 and another for $600 or is it one use?
SmartPay only allows you to lease one device at a time. Therefore, if you are approved for $1,000 and only lease a device for $400, you must complete one of the following before submitting a new application and leasing a new device:
- pay the Early Buyout option,
- complete the full lease term or,
- return the device to SmartPay.
If I cancel and refund the deice, who do I contact and how is it processed?
All returns are handled by SmartPay. The customer can contact SmartPay Customer Service at 1-855-249-8371 to request a return. SmartPay will not refund any previous lease payments, as they are considered part of your SmartPay lease plan. Once SmartPay receives the device, it will be inspected for damages. If the device is in good working condition, the lease will be closed and SmartPay will cease collecting lease payments. However, you are still liable for any past due amounts due under you account, including late fees. If the device is damaged, you will be charged a damage fee. You are responsible for securing safe delivery of the device to SmartPay and should package with care.
If I cancel and change the plan, who do I contact for a refund/add payment and how is it processed?
Currently, SmartPay only allows you to lease 1 device at a time along with the 1-month service plan. Therefore, a partial return is not applicable.
For additional questions, please reach out to the SmartPay Customer Service line. Contact 1-855-249-8371.