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Frequently Asked Questions

Does SmartPay run your credit?

SmartPay doesn't do credit checks unless you specifically ask them to-if you have a great credit score they may be willing to offer you lower monthly installments or longer-term agreements. Let's Talk Tip: Interest-free installment plans are ideal when it comes to purchasing a new device.

Does SmartPay report to credit?

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.


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