Phones on Finance

It’s easier to buy a new phone when you spread the cost on finance.

Affordable Payments

Spread the cost of a new phone into more affordable payments.

Low Cost Finance

Our low interest rates mean you can get a great finance deal on a phone.

Unlocked Smartphones

All our phones on finance are unlocked, so they work with all UK SIMs.


How to Buy a Phone on Finance

Select a Phone

Head to the checkout with the phone you want, and you’ll be redirected to Deko’s payment site.

Confirm Your Finance

You’ll get a snapshot of your finance offer, and you’ll just need to complete the quick application.

Receive Your Phone

Once your application for a phone on finance is accepted, we’ll ship you your new mobile for free.

Start Using Your Phone

Your new phone is ready to use as soon as it arrives. We recommend inserting a UK SIM card.



Phones on Finance: Everything You Should Know

Buying a phone on finance helps spread the cost into smaller, more affordable amounts, making it easier when you’re on a budget.

Who provides the credit?

Deko, our partner who specialises in finance. Deko’s platform generates the best credit rate available from multiple lenders, and you get told specifically who your lender is when a loan is offered.

What’s a credit search?

It’s when a credit lender reviews your credit report to see how well you look after your credit, both in the past and present. A credit search can be recorded on your credit report, visible for other third parties to see at a later date.

Should I apply for a phone on finance?

If you’re happy to apply for a mobile phone on a network contract, then you should be in a position to apply for a phone on finance.

How do I pay for my phone on finance?

A Direct Debit gets set up, so your payments are made monthly straight from your bank account. All you need to do is provide the relevant bank account details on your finance application. Payments typically start one month after the date of your finance agreement.

Will I need to pay a deposit?

If your application is successful, you’ll need to pay a deposit that’s calculated at 10% of the phone’s SIM free price.

How long is my finance agreement?

36 months, making it even easier to afford the monthly instalments.

What does a representative example of the credit look like?

Value of Goods: £689.00
Percentage of Deposit: 10%
Amount of Deposit: £68.90
Amount of Loan: £620.10
Term of Agreement: 36 months
APR: 16.9%
Monthly Instalments: £21.72
Loan Repayment: £781.75
Total Amount Payable: £850.65
Cost of Loan: £161.65

Can I see your Terms around phones on finance?

Please visit our Help Centre for full details.