Frequently Asked Questions
Is this really 0% APR?
Yes — paying monthly is 0% APR interest-free. You pay only the RRP of the goods split over your chosen term.
Will you check my credit file?
No. We use our own affordability model, not a credit bureau. Applying doesn't touch your credit score.
How much can I borrow?
Up to £1,200 store credit as standard. Higher limits are considered once you've completed one successful order.
How quickly can I get approved?
Under 60 seconds. Nearly every application is instantly approved.
How long is delivery?
We dispatch within 10 working days after your delivery details are confirmed by reply. Free UK delivery.
Are you really a our partner shop brand?
Yes. Phones on Finance is the marketing site — every order, payment and delivery is handled by our partner shop in Wolverhampton.