Phones on finance, answered.

Yes. Every plan featured on Phones On Finance is a no-credit-check finance option, so there's no hard search on your credit file when you apply.

Bad credit doesn't automatically disqualify you. Because there's no traditional credit check, applications are assessed on current affordability rather than credit history — so people who've been refused elsewhere are often still approved.

The total is split across equal flexible payments so you know exactly what you'll pay. Nothing hidden, nothing bolted on at the end.

Yes. Most handsets are available on flexible payment plans. Choose the schedule that suits your budget.

It's finance for the handset only — not a network contract. There's no airtime, minutes or data included. Use your own SIM (or grab a fresh PAYG one) and swap networks whenever you like.

For most handsets nothing is required in advance — the first flexible payment is taken on delivery. Higher-value phones may require a small first payment before dispatch.

Once approved, most orders are dispatched the same day and arrive on free next-working-day delivery across the UK. Handsets ship unlocked and ready to use.

You'll be contacted to arrange a new date — a single missed payment isn't the end of the world. Repeated missed payments may add charges, so it's important the plan is affordable before you apply.

Yes. You can settle at any time by paying the remaining balance, and you'll own the phone outright straight away.

Yes. Refurbished iPhones and Samsung handsets are available on the same no-credit-check flexible payment plans — a solid option if you want a flagship phone without the flagship outlay.