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.

The easy way to pay your bills. Match lower bill payments to your paydays.

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.

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!

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!

Sep 25, 2025 · Need help? Email us with questions.

How does Smartpay work? Smartpay allows retailers to offer instalment plans for shoppers, so you can pay for your purchase in 3 instalments, in less than 2 months, with the first one at the time of the …