Regarding this, is SmartPay a hard inquiry? 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.
Full Answer
What happens if I am not initially approved for SmartPay?
Approval is based on a number of personal and financial qualifications. In the case that you are not initially approved, you are always welcome to reapply anytime. Is my personal information secure with SmartPay?
How do I pay with SmartPay?
Shop directly either in-store at our retail partners or online at our eCommerce partners and select SmartPay as your payment option at checkout. You will then complete your SmartPay application before completing your transaction.
How do I return an item to SmartPay?
If it is after the merchant’s return window, you can return it to SmartPay by contacting our Customer Support Team to request a return label. Who can apply for SmartPay? All personal and payment information provided in the application must belong to you.
How do I view my lease agreement with SmartPay?
Log into your SmartPay account via our Consumer Home portal here. You will be prompted to activate your account if you have not already. Once logged in, you will be able to view your lease agreement on the “Order Details” section of the “Your Plan” tab.
Does SmartPay do a credit check?
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.
Is it hard to get approved for SmartPay?
Although we try to approve as many customers as possible, we aren't able to approve every application. Approval is based on a number of personal and financial qualifications. In the case that you are not initially approved, you are always welcome to reapply anytime.
Does Straight Talk SmartPay check your credit?
We may check past payment history, but no established FICO score or credit history is necessary. Approval not guaranteed. The customer may end the lease and return the phone at any time. Wireless service with the carrier is additional.
What happens if you don't pay SmartPay?
When a scheduled payment fails, our system will make further attempts to collect the payment, either in full or partial amounts until your lease payments ... Can I use a credit card to make my monthly payments for SmartPay? Yes, you can use a credit card to make your payments.
Do you need good credit for SmartPay?
Does applying hurt my credit score? 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 long is SmartPay approval good for?
90 day BuyOut Option I am already approved. How do I use my approval amount? Easy, shop to lease up to your approval amount on the merchant website. Your total cart, including all taxes, must be equal or less than your approval amount.
How does SmartPay leasing work?
SmartPay (www.smartpaylease.com) 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.
What is SmartPay with Straight Talk?
SmartPay is an independent company that is leasing you the phone. Straight Talk is not a party to any transaction you make with SmartPay. 1 month = 30 days. See Terms for full details.
Can I cancel my SmartPay lease?
SmartPay customers may end the Lease-to-Own agreement at any time. But they must return the phone to SmartPay. Please refer to customer agreement materials. Customers can also call SmartPay at 800 374 5587 or email [email protected].
Can you upgrade with SmartPay?
With low flexible lease payments and the ability to upgrade your phone at any time,* you can make sure you always have the phone you want with SmartPay – no credit required. Complete a quick, simple, no-obligation application. You could be approved for up to $1,500.
Is SmartPay free?
It's free and easy to get started. Simply download the app, complete the enrollment and link to a checking account to start saving 10¢ per gallon, every day! Save 10¢ per gallon, every day at your local Cumberland Farms or Fastrac convenience store.
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Instant approval gets you the phone that best matches your needs. What features do you value most?
Shop With SmartPay Online
Choose the device, plan and accessories that fit your needs and budget.