LEASE-TO-OWN
The easy and affordable way to upgrade your phone
Pay over time with SmartPay. For customers with 12+ months of tenure.
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New 5G phones from top brands
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No credit score required
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Pay over 18 months
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Own your device at the end of the term
Apple
Android
moto g stylus 5G (2023)
Lease-to-own $19.81 for 18 months
Total cost: $356.58
moto g stylus 5G (2022)
Lease-to-own $20.44 for 18 months
Total cost: $367.92
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
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.