Smartpay gives you financial flexibility by breaking the retail price of most of the top trending phones into low monthly lease payments that can fit your budget.    Applying is easy, and 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*. With approvals up to $1,500, low flexible lease payments, and the ability to upgrade at any time, you can make sure you always have the phone you really want with SmartPay.

We customize our SmartPay approval amount and lease terms based on you. On average our current SmartPay customer receives payment terms that range from 6 – 24 months, and if at any point you’re ready to buyout of your lease, you can do so with NO early payment penalties.  

Yes.  If the latest phone is released before your lease term is up, or sometimes we’re just ready for something new, you can call SmartPay at 844-663-1309 to complete your lease early.  Our dedicated support team will work with you to complete a new application, and direct you back to Straighttalk.com to upgrade to the phone you’ve been waiting for. 

Yes.  We understand that financial situations change, and sometimes it’s in your advantage to buyout of your lease early.  If you are ready to buyout of your lease at any time before your lease term is up, simply call our customer support team at 844-663-1309 and we will help you complete your lease early with NO early payment penalties.

Things change, and we understand that.  If you can’t continue to afford your monthly phone payments, you’re able to return your device (in good working condition) to SmartPay and you won’t need to make any further payments