SmartPay is a no-credit-required lease-to-own product. “No credit required” means that, although no minimum FICO score or established credit history is necessary to apply, SmartPay may check past payment history based on the information you provide in the application.
How do you get approved for SmartPay?
To apply for SmartPay, you must:
Be at least 18 years old.Have a monthly income of $1000 (before taxes and deductions)Have a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)Have a credit card or debit card associated with a standard US checking account.
How do I pay off smart pay?
To pay off your Lease early, log into your SmartPay account and navigate to the “Make a Payment” tab. Here, you will see a “Payoff Lease” button that will begin the early payoff process.
What is SmartPay used for?
SmartPay () is a lease-to-own payment plan that lets customers shop for devices, accessories and more. After beginning a lease, customers make fixed, scheduled payments over a 15 or 24 month term to make it more affordable than paying full price upfront.
What phone companies use SmartPay?
Popular phone carriers that use SmartPay leasing include:
Net10.Total Wireless.Boost Mobile.Simple Mobile.Straight Talk.Page Plus.
Does SmartPay do a hard pull?
SmartPay Support
Yes. We use alternative credit reporting agencies to verify your personal and financial information. As with any credit application, it’s important to be as accurate as possible when completing the SmartPay application. This type of verification may appear as an inquiry on your credit report.
What happens if I dont pay SmartPay?
We support one-time payments via prepaid debit cards. What happens if I don’t make my payment? You will need to make your payment in order for your service plan to be refilled on time.
Can you pay off SmartPay early?
To pay off your lease early, log into your SmartPay account.
Your lease payment plan may be cancelled at any time. An early termination fee may be applied. You cannot own leased items in NJ, MN, WI, and WY. Instead, you can cancel your lease at the end of the term, or you can renew your lease at a lower cost.
How do I add a card to SmartPay?
Depending on your specific card program, you may pick up a new card at a participating location and call Customer Service at 877-403-2222 to have the replacement card added to your account.
Does SmartPay affect credit score?
With our Early Payoff Option, you can save on total fees and own your device before the end of your lease term. * FICO score will not be used to determine eligibility, but credit information and consumer reports will still be reviewed.
Does Walmart have SmartPay?
Walmart Pay lets you speed up the checkout process when you shop at Walmart stores. Use it to securely store your debit, credit, & Walmart gift card information. You’ll use your smartphone to check out instead of pulling out your cards, cash, or loose change. Download the Walmart app.
What cards does SmartPay accept?
GSA SmartPay cardholders may carry the following cards: VISA, MasterCard, Voyager, and Wright Express*. If you already accept these cards from the commercial sector, you have no additional work to do as the GSA SmartPay charge cards operate just like any other corporate charge cards.
Can you use SmartPay online?
Leasing With SmartPay
Apply online, decisions are instant. Find a SmartPay retailer near you or online and choose your new phone and accessories. Make your first payment with a valid credit or debit card and start using your new phone. Once you complete all of your scheduled payments, you own your items!
Does SmartPay have an app?
The SmartPay Rewards app is a convenient way to save 10¢ per gallon on gas, every day or pay for in store purchases. To make your visits even more rewarding, every time you use the app you will earn progress towards earning free drinks and food. It’s free and easy to get started.
Can I return my SmartPay phone?
SmartPay Support
Yes. You may return your device as long as it is within the retailer’s return window. Please contact the retailer for instructions on returning the device.
