◊◊The advertised transaction is not a credit transaction. The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state). You will not own the merchandise until all payments are made or you exercise your early purchase option (“EPO”). Purchase option not available in MN, NJ, WI, or WY. SmartPay terms: Apple iPhone 13 Mini retail cost: $779.00. For eligible customers, total cost after 24 30-day payments of $32.46: $779.00. Not all customers will qualify. Final payment more in NC. Taxes and applicable fees may apply. Retail prices are subject to change. You may end the lease and return the phone at any time. Wireless service with SIMPLE Mobile is additional.