Metro by T-Mobile (Formerly MetroPCS) Financing Options Listed

Metro by T-Mobile offers finance options for new phones at some locations. Financing is offered through SmartPay. For details, see below.

Metro by T-Mobile Financing Policy

Metro by T-Mobile, a prepaid wireless service, offers finance options for new phones at some store locations, according to customer service. Metro by T-Mobile stores with financing do so through SmartPay, a third-party lender. In order to qualify for phone financing through SmartPay, you need to:

  • Be at least 18 years old
  • Have a valid Social Security number
  • Have a debit or credit card
  • Earn $1,000 in monthly income (before taxes)

You can apply to finance a new phone at some Metro by T-Mobile stores or through SmartPay’s website. SmartPay typically runs a credit check to determine your eligibility. If you qualify, you can purchase any Metro device. For example, if you qualify for $500 toward your next device, you can use it to purchase one smartphone (like an iPhone or Google Pixel) or two less-expensive phones. Contact your nearest Metro by T-Mobile to learn more about financing through SmartPay.

In Summary

Does Metro finance phones? You can finance a phone purchase at select Metro by T-Mobile stores. Metro by T-Mobile works with a third-party lender, SmartPay. For more on cell phone financing, see our article: Places That Offer No Credit Check Cell Phone Financing (Kmart, etc.). Also see our related research for information on paying your monthly Metro by T-Mobile bill after you get your new device.