LEASE-TO-OWN

Upgrade to a phone you'll love—starting at $16/mo.

For upgrade-eligible customers with 12+ months of tenure.

  • New 5G phones from top brands

  • No lease fees and no credit score required

  • Pay over 18 months

  • Own your device at the end of the term

APPLE

iPhone SE 3rd gen (64GB)

$23.89 for 18 months

Full price: $429.99

APPLE

iPhone 11 (64GB)

$27.78 for 18 months

Full price: $499.99

APPLE

iPhone 12 mini (64GB)

$35.00 for 18 months

Full price: $629.99

APPLE

iPhone 12 (64GB)

$35.00 for 18 months

Full price: $629.99

APPLE

iPhone 13 mini (128GB)

$35.00 for 18 months

Full price: $629.99

APPLE

iPhone 13 mini (256GB)

$40.56 for 18 months

Full price: $729.99

APPLE

iPhone 13 (128GB)

$40.56 for 18 months

Full price: $729.99

oneplus

Nord N20 5G

$16.11 for 18 months

Full price: $289.99

motorola

moto g stylus 5G

$17.78 for 18 months

Full price: $319.99

samsung

Galaxy A23 5G

$18.33 for 18 months

Full price: $329.99

samsung

Galaxy A53 5G

$26.11 for 18 months

Full price: $469.99

Samsung

Galaxy S21 FE 5G

$33.34 for 18 months

Full price: $699.99

Got questions?

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

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

What happens if I need to cancel my Metro service?

Canceling service does not affect your SmartPay lease. 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 lease approvals.

Do I make my lease 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 payments will be made directly to SmartPay.

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

You are responsible for making lease 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 payments for whatever reason, contact SmartPay to send in your device, terminate your lease, and stop further payments.

Can I pay off my device early?

Yes. To pay off your lease 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 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 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.