Most of our customers pay off their phone in about 5 to 6 months. That's with regular weekly payments of $25-50 depending on the phone. But the real answer is: it depends on the phone you pick and how aggressively you want to pay it down.

Let's walk through exactly how the timeline works so there are no surprises.

Typical payoff timelines

Here's what a normal lease looks like for some of our most popular phones:

Less expensive phones get paid off faster. If you go with something like an iPhone 12 or a mid-range Samsung, you could be done in as little as 4-5 months.

Can I pay it off early?

Yes — anytime, with no penalty. This is one of the biggest advantages of leasing with us. There's no early payoff fee, no prepayment penalty, nothing. If you get your tax refund, a bonus at work, or just want to knock it out faster, you can pay extra whenever you want.

Some of our customers make double payments when they can, and they finish their lease in 3-4 months instead of 5-6. Others stick to the regular weekly schedule. It's completely up to you.

Want to pay off the entire remaining balance at once? Just call us or come in and we'll give you the exact payoff amount. You can settle it that day and the phone is yours free and clear.

What happens after 90 days?

The first 90 days is the initial lease period. During this time, you're making your regular weekly payments and using the phone. After 90 days, you continue making payments on the same schedule until the phone is fully paid off.

Nothing changes at the 90-day mark in terms of your payment amount or schedule. You just keep going until the total is reached, and then the phone is yours. There's no separate "buyout" payment or surprise at the end — the weekly payments you've been making are what pay off the phone.

Weekly vs. other payment schedules

We set up payments weekly by default because most of our customers prefer it. Smaller, more frequent payments are easier to budget for than one large monthly payment. If you get paid weekly or biweekly, this lines up well with your income.

That said, we can work with you on timing. If your income comes in on a specific schedule — like the 1st and 15th, or the first of each month for benefit recipients — we can align your payment due dates to match when you have money available.

The goal is to set you up so payments feel manageable, not stressful.

What if I miss a payment?

We're not going to send a collections agency after you for one missed payment. If you're going to be late, just communicate with us. Call us at (440) 306-3486 and let us know what's going on. We can usually work something out.

We're a small business and we build real relationships with our customers. We'd rather help you get caught up than deal with the hassle of getting a phone back. Most of the time, people just need a few extra days and that's totally fine.

What happens when it's paid off?

Once you've made all your payments, the phone is 100% yours. You own it outright. You can use it, sell it, trade it in, give it to someone — whatever you want. There are no ongoing fees, no residual balance, and no strings attached.

All of our phones are unlocked, so after payoff you can use it on any carrier you choose. Nothing changes about the phone itself — it's the same device, just now it's fully yours.

Ready to get started?

$50 down, weekly payments, and you could own your phone in 5-6 months.

Apply Now

Questions about your payoff timeline?

If you want to know exactly how long it would take to pay off a specific phone, apply online or call us at (440) 306-3486. We'll give you the exact number of payments and total cost before you commit to anything. You can also visit us at 6571 Pearl Rd in Parma Heights.