SmartPay (Used by MetroPCS) BEWARE: It WILL cost your WAY more than you think! Nationwide

Beware! Your lease or new smart phone purchase from MetroPCS or whomever WILL cost you way more than you think.

Here's what they lead you to believe...

If you pay off your lease in the first 90 days, you will only pay the actual advertised price of the phone (which in my case was $499 for a Samsung Galaxy S6 on 3/20/17).

Here's what you actually pay...

$499.00 SmartPay's "purchase price" NOT the cash price advertised by the cell phone service provider.

$99.80 Instant add-on to cash price by SmartPay to create your new inflated "cash price" that no one tells you about.

$241.47 SmartPay's early pay off "fee" that no one tells you about.

TOTAL PAID WITH EARLY PAY OFF PLAN: $718.56 NOT the $499 cash price advertised by the cell phone service provider.

That's an extra $219.56.

Most other special financing deals allow you to pay off the purchase amount within a specified time frame and pay ONLY the purchase price on your receipt such as Amazon, PayPal, CareCredit, etc. This is what you expect and this is what the sales people lead you to believe.

Therefore, I'm putting SmartPay on blast as a RIPOFF company trying to get over on their customers. F _ _ _ SmartPay and all the companies that use them. Offer a true special financing program for people with good credit like myself. Why even run my credit history if you're gonna offer such shady terms.

CREEPS!