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Check Your Eligibility for Finance

Use the eligibility checker to find out if you are likely to be accepted for a loan through Barclays Partner Finance without affecting your credit score.

To apply you must:
  • Be at least 18 years old.
  • Be in full time work (16 hours or more a week), retired, or in receipt of disability allowance.
  • Earn at least £6,000 a year.
  • Have been a UK resident for three years or more.
  • Have a mobile phone number.
  • Have an email address.
  • Have a UK bank account from which Direct Debits can be taken.
  • Have no outstanding County Court Judgements (CCJs).
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Credit is subject to application, financial circumstances and borrowing history, and eligibility does not guarantee acceptance. Affordable Mobiles acts as a credit broker and not a lender. Affordable Mobiles only offers financial products from Barclays Partner Finance. Barclays Partner Finance is the lender.

Representative example

Item value (Cash price) £599. Deposit £0. Total amount of credit £599. Agreement duration 36 months. Annual rate of interest 14.9% APR. 36 monthly payments £20.46. Total amount payable £736.69.

Frequently Asked Questions

Will checking my eligibility affect my credit score?

No, the checks carried out won't impact your credit score. Instead, it will show up on your credit file as a soft search, but it won't be visible to other lenders.

Why do Barclays need my personal data?

Barclays use your personal data to decide if you're eligible to borrow finance. Your details are shared with credit reference agencies and fraud prevention companies. For more information on how Barclays use, store and look after your data, please see their privacy policy.

Why are you sometimes unable to provide a decision?

The Barclays Eligibility Checker only does a soft search, so there's no impact to your credit score. Occasionally, this search is not enough to provide a decision. If you decide to go ahead with a full application, they'll do further checks which could affect your credit score. There's also a chance you won't be approved.

Can I still complete an application if the Barclays Eligibility Checker tells me I'm unlikely to be approved?

Yes, you can. However, bear in mind that this involves doing a full credit check and there's a chance you may not be approved. If you don't get approved, this could impact your credit score and prevent you getting approved for credit in the future. On some occasions, Barclays may also contact you for more information to support your application.

Does a positive outcome mean I'll definitely be approved for finance?

The Barclays Eligibility Checker result is based on a soft search and doesn't guarantee that you'll be approved. It's important to bear in mind that what Barclays show is only an indication that they may be able to offer you finance. To get a definitive answer you'll need to provide more details by completing a full application. Credit is subject to application, financial circumstances and borrowing history.

I'm Eligible, what does this mean?

'Eligible' indicates you are likely to be approved for finance based on your average basket value and term of the loan as long as the amount they intend on financing is affordable, and the checks at full application are satisfactory.

How do I continue with my application after using the Barclays Eligibility Checker?

To continue, simply add the item(s) to your basket and choose to pay with Barclays at the checkout. Following this, you will need to complete a seperate, full application for finance.


All pay monthly offers subject to security and credit check. Charges will apply for paper billing. Charges may also apply for non-Direct Debit payment, unless on the EE network. Promo codes cannot be used in conjunction with any other offer. Full Legals.

RPI+/CPI Price Increase - Each year, your Pay Monthly airtime tariff will be adjusted according to a Fixed Annual Price Change (Three), RPI+ (O2) or Consumer Price Index (EE, Vodafone) rate of inflation. Your bill will be adjusted in March (EE) or April (O2, Three, Vodafone) by 4.5% (Three), or the rate announced in January (EE, Vodafone) and February (O2) that year (plus 3.9% on EE, O2, Vodafone).