Lease to Own

Lease to Own Purchase Plan | Cell City
We now offer a purchase plan that offers you a smartphone and accessories with the convenience of monthly payments.


  • At least 18 years old
  • Name, address & phone number
  • Social Security number
  • Active bank account and valid debit card
  • Employment Information
  • Email address


  • Basket Feature - Get approved for up to $1500 to spend in store
  • 90 days same as cash option with no fees
  • On the spot approval - Applications receive a 30-second turn around time
  • No document collection - Unlike others, we do not require the submission of physical documents (i.e. paystubs)
  • Less than perfect credit OK
  • Easy automatic payment deduction from bank account
  • No penalty for insufficient funds within the past 3 months

Common Customer Questions

How much do I have to pay upfront?

Your initial payment depends on the amount you spend. It consists of your first month's payment and applicable taxes.

How do I make the monthly payments for the Lease to Own purchase plan?

When you apply for the Lease to Own purchase plan, you provide the debit card that will be automatically charged each month for your payment.

Can I change the payment method I initially used to make my monthly payments?

Yes. You will receive an email confirming the login credentials for your account. Go to and log into your dashboard to change your payment.

Can two different customers use the same debit card?

No. Only one debit card per customer.

If I decide to wait and later go to another store, do I have to go through the application process again?

When a customer is approved for a loan they wi ll have up to 7 days to return to the store where the loan was originated to make a transaction. If they return to the same or different store after the 7 day period they will have to reapply.