Skip to main content Skip to footer
Find a store
Help
Cart
Easy pay

Lease to own frequently asked questions

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

  • 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.

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

  • 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.

  • 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.

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

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

  • 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 Add SmartPay Customer Service Phone number

  • Metro customers who have at least 12 months of tenure.

  • SmartPay lease-to-own transactions are not available in New Jersey, Wisconsin, Minnesota, and Wyoming.

  • You are eligible for a device upgrade as an existing customer with 1 day or more tenure. You will STILL be responsible for the lease agreement with SmartPay if you decide to upgrade your Metro phone before the lease is paid in full.

  • No. The lease to own offer can’t be combined with a device trade-in offer.

  • The lease to own offer is only available in participating stores and select states.

  • Yes. Multiple lines on the same account can take this offer if they meet all eligibility criteria.

  •  You should only be offered one promotional lease per lease applicant.