Flexible Financing
Rent-to-Own
Made Simple.
Take home a phone today with just 30% down. No credit check, no bank approval, no surprises. Pay it off in 4 months — or save 45% by paying early.
How It Works
3 Simple Steps to
Owning Your Phone
Pick Your Phone & Pay 30% Down
Choose any device from our inventory. Pay just 30% of the price upfront — that's it. No credit check, no bank approval, no waiting.
Make Easy Weekly or Monthly Payments
Pick the payment schedule that fits your budget. A small $3 admin fee applies per payment. Only ONE $15 late fee per missed payment — we never stack charges on you.
Own It in 4 Months — or Pay It Off Early
Once all payments are complete, the phone is 100% yours. Want to pay it off sooner? After your first payment, you can buy it out and save 45% off the remaining balance.
Program at a Glance
What You Need to Know
We believe in full transparency. Here's everything important — no fine print surprises.
You Don't Own It Yet
The phone belongs to Jay's Total Wireless until every payment is complete. Think of it like renting toward ownership — it's yours the moment that final payment clears.
Device Security
We may install device management software on rented phones. If an account goes into default, we can remotely lock the device. Once the account is current, it's unlocked immediately.
Lost, Stolen, or Damaged?
You're still responsible for the repair cost or fair market value of the phone. Notify us within 1 business day if anything happens to the device.
Everything Is in Writing
Verbal promises don't count — everything is signed in writing. Wireless plans, repairs, and accessories are separate transactions from your rental agreement.
If You Fall Behind
We'll send written notice before any action is taken. You can reinstate the agreement if you're no more than 60 days behind and only 1 payment has been missed.
SC Law Governs
This is a Consumer Rental-Purchase Agreement regulated by South Carolina law. All terms are disclosed upfront and signed before you take the device home.
Frequently Asked Questions
Can I get a phone with bad credit?
Yes — we never run a credit check. Your payment history with us is all that matters.
What happens if I miss a payment?
A $15 late fee applies after the grace period. We only charge one late fee per missed payment — we never stack charges. We'll always try to work with you first.
Can I return the phone if I change my mind?
You can return the device and end the agreement, but the down payment is nonrefundable. Any payments made cover the rental period used.
Is the 30% down payment applied toward the purchase price?
Yes — your down payment and all subsequent payments go toward the total cost of the device.
What if the phone is lost or stolen?
You're still responsible for the repair cost or fair market value. We recommend keeping it protected with a case and screen protector — we sell those too.
What if the phone breaks?
Normal repairs may be covered depending on the situation. Damage from misuse is your responsibility. We offer repair services and accessories to help protect your investment.
Ready to Take a Phone Home Today?
Stop by or give us a call. We'll walk you through your options, show you the full payment breakdown upfront, and get you set up — same day.
📍 1596 Hwy 92, Enoree, SC 29335 · Mon & Thu 11am–7pm · Tue, Wed, Fri 11am–6:30pm