Build Us Phone Lease For Free

You pay less upfront. Even less than the usual upfront fees that carriers offer. Affordability This makes it easier to afford some of the latest devices from the most popular companies. Ownership You do have the option to purchase the phone at the end of the lease, by paying back the discount received upfront.

The short answer: No, paying your phone bill will not help you build up credit. Phone bills for service and usage are not usually reported to major credit bureaus, so you won't build credit when paying these month to month.

Purchase the device and own it. You'll pay the Purchase Option price listed on your lease agreement. After that, you own it!

Even if you return a phone, you could be charged for both the phone and additional fees. 2026 For example, this customer ended up paying for the phone as the store wouldn't allow them to return it.

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.

Simply sign a lease deal, and in exchange for a low monthly payment, you get a phone you can use, plus the option to upgrade at any time. Just keep paying the flat monthly fee, and you can turn in your old phone for a new one every 12 months. One carrier even lets you swap phones up to three times per year.

If you decide to keep leasing the phone after your agreement ends, you can keep paying the same monthly amount for as long as you wish to lease your device. However, be careful if you paid $0 down. If that's the case, your payment will go up to the original monthly amount quoted for $0 upfront customers.