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How Phones on Finance Works

Phones on Finance is powered by our partner shop and monthly payments — the UK's fastest 0% APR store credit facility. Here's what happens after you click Apply.

1
Apply in 60 seconds
Answer a few basic questions. No hard credit check, no fees, no impact on your credit score.
2
Instant approval
We use our own affordability model — not a credit bureau. Nearly everyone is approved with up to £1,200 to spend.
3
Shop with 0% APR
Choose from the shop's full range — TVs, phones, laptops, furniture, gaming, appliances. Zero interest, ever.
4
£4.99 activation, then monthly payments
A one-off £4.99 activates your plan. Then pay monthly with monthly payments over 6, 9 or 12 months.
5
Delivery in 10 working days
After you confirm your delivery details we schedule dispatch within 10 working days. Free delivery UK-wide.
Start My Application →
Phones on Finance

Handset finance without the network contract.

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Our partner shop

Phones on Finance is an independent shopping guide. Links take you to our partner shop, and we may benefit when you shop through them. Credit is subject to status and affordability.

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