Getting in touch:

mobile phones on finance

Spread the cost of a new mobile phone using our flexible finance option.

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 mobiles

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


how to buy a phone on finance

Step icon

select a phone

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

Step icon

confirm your finance

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

Step icon

receive your phone

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

Step icon

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?

Klarna, our partner who specialises in finance. Klarna'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 15% of the phone’s SIM free price.

How long is my finance agreement?

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

When will my phone on finance be delivered?

You get free next-day delivery Monday - Friday if you order before 4:30pm (subject to stock availability and acceptance on instalment finance).

What are the Terms around mobile phone finance?

Our Terms can be found in our Help section, along with more information around our mobile phone instalment finance option.

Can I see your Terms around phones on finance?

Please visit our Help Centre for full details.

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 Three's Fixed Annual Price Change (Three), the Retail Price Index (O2, Vodafone) or Consumer Price Index (EE) 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), February (O2) and March (Vodafone) that year (plus 3.9% on EE).