For the lease-to-own transactions, customers will not own the item until they complete the lease term or exercise the early purchase option. The customer may cancel the lease and return the item at any time.

Phillip T. The SMARTPAY helps me pay my bills on time without having to worry of late or missed payments. It's simple and easy to use. The best part of it helps payoff bills early.

Smartpay gives you financial flexibility by breaking the retail price of most of the top trending phones into low monthly lease payments that can fit your budget.

Call 844-663-1309 today and we can work with you to buyout of your current agreement early and apply again for SmartPay. If approved you can get the new phone you really want.

Forgotten password? Don't have an account? Sign Up.

25 MFómh 2025 · Need help? Email us with questions.

Discover SmartPay, our lease-to-own program at Total Wireless. Buy your phone with easy payments over 24 months, no credit checks, & no deposits. Apply now!

Who is SMARTPAY? We are a nationwide bill payment service that's been helping hundreds of thousands of people just like you pay off their loans faster, simplify budgeting and pay bills more …

Get approved for a smartphone that you love with our no credit phones, lease to own. SmartPay offers flexible payments with no late fees with our lease to own option. Shop today!

Benefit Tiers Whether you're on the crew, an insider or SmartPay Member, there are countless ways to save and earn points when shop in-store or fuel up.