LEASE-TO-OWN

The easy and affordable way to upgrade your phone

  • New 5G phones from top brands

  • No credit score required

  • Pay over 18 months

  • Own your device at the end of the term

APPLE

iPhone SE 3rd gen (64GB)

Lease-to-own $27.47 for 18 months
Total cost: $494.46

iPhone SE 3rd gen showing off its display.
APPLE

iPhone 11 (64GB)                    

Lease-to-own $31.94 for 18 months
Total cost: $574.92

iPhone 11 showing off its display.
APPLE

iPhone 12 mini (64GB)       

Lease-to-own $40.25 for 18 months
Total cost: $724.50

iPhone 12 Mini showing off its display.
APPLE

iPhone 12 (64GB)                   

Lease-to-own $40.25 for 18 months
Total cost: $724.50

iPhone 12 showing off its display.
APPLE

iPhone 13 mini (128GB)

Lease-to-own $40.25 for 18 months
Total cost: $724.50

iPhone 13 mini showing off its display.
APPLE

iPhone 13 mini (256GB)

Lease-to-own $46.64 for 18 months
Total cost: $839.52

iPhone 13 mini showing off its display.
APPLE

iPhone 13 (128GB)                   

Lease-to-own $46.64 $40.25 for 18 months
Total cost: $839.52

iPhone 13 showing off its display.
APPLE

iPhone 14 (128GB)                   

Lease-to-own $46.64 for 18 months
Total cost: $839.52

iPhone 13 showing off its display.
Google

Pixel 6a                                            

Lease-to-own $9.45 for 18 months
Total cost: $170.10

Google Pixel 6a showing off its display.
oneplus

Nord N30 5G               

Lease-to-own $17.89 for 18 months
Total cost: $322.02

ONEPLUS Nord N30 5G showing off its display
oneplus

Nord N20 5G                       

Lease-to-own $18.53 for 18 months
Total cost: $333.54

Nord N20 5G showing off its display.
motorola

moto g stylus 5G (2023)                

Lease-to-own $19.81 for 18 months
Total cost: $356.58

Moto g stylus showing off its display.
motorola

moto g stylus 5G (2022)                

Lease-to-own $20.44 for 18 months
Total cost: $367.92

Moto g stylus showing off its display.
samsung

Galaxy A23 5G                      

Lease-to-own $21.08 for 18 months
Total cost: $379.44

Galaxy A23 5G showing off its display.
samsung

Galaxy S23 FE 5G                    

Lease-to-own $38.33 $30.00 for 18 months
Total cost: $540.00

Galaxy S23 FE 5G showing off its display.
samsung

Galaxy A54 5G                    

Lease-to-own $30.03 for 18 months
Total cost: $540.54

Galaxy A54 showing off its display.
Motorola

razr - 2023                

Lease-to-own $35.14 for 18 months
Total cost: $632.52

MOTOROLA razr showing off its display
Samsung

Galaxy S21 FE 5G                

Lease-to-own $38.33 for 18 months
Total cost: $689.94

Galaxy S21 FE 5G showing off its display

Got questions?

What do I do with my phone at the end of the lease?

Keep it. After you’ve made your 18 lease-to-own payments, you own the phone.

What happens if I need to cancel my Metro service?

Canceling service does not affect your SmartPay agreement. You are still responsible for payments

What happens if I miss/am late on a payment?

SmartPay will work with you to make up the payment. Nonpayment will result in collection efforts. More than three delinquent payments may affect your eligibility for future SmartPay approvals.

Do I make my SmartPay payment on my Metro bill or are they separate?

They are separate. Metro service payments will be made directly to Metro, while the monthly lease-to-own payments will be made directly to SmartPay.

What is SmartPay?

SmartPay is a lease-to-own company that offers customers the ability to lease-to-own smart phones that fit within their budget. SmartPay is an unaffiliated entity with Metro by T-Mobile but works collectively with Metro to offer consumers options that fit within their budget.

What happens if my phone is damaged/broken while I’m still making payments?


You are responsible for making lease-to-own payments despite any damage to your phone. We encourage you to protect your device by adding handset protection to your plan.

If your phone is undamaged and you can’t make the lease-to-own payments for whatever reason, contact SmartPay to send in your device, terminate your agreement, and stop further payments.

Can I pay off my device early?

Yes. To pay off your agreement early, log into your SmartPay account and navigate to the “Make a Payment” tab. Here, you’ll see a “Payoff Lease” button that will begin the early payoff process.

What devices are eligible for this lease-to-own to own offer?

The lease offer is available on select Android and Apple devices. Please check with your local store to see what devices are available.

Can I use AutoPay for my lease-to-own payments?

SmartPay automatically deducts payments on the frequency you select (once a month, twice a month, biweekly) from the card provided at the point of sale.

You can change your payment method by managing your account online or calling SmartPay customer service at 800-374-5587.