A new phone is one of the things we use most every day, but paying for it all at once is not always easy. This guide explains how pay monthly mobile phones and a mobile phone on finance work through our partner shop, in plain English, so you can decide what suits you.
Mobile phone on finance
Choosing a mobile phone on finance means the cost is split into regular payments rather than paid up front. You pick the phone, apply with our partner shop, and the payments are shown clearly before you commit. Nothing is hidden behind small print on this site, because we do not set prices or terms — our partner shop does, and you see them at the point you apply.
You can browse Samsung phones on finance, pay monthly Google Pixel phones, or look across all mobile phones on finance to compare screen sizes, cameras and storage.
Pay monthly mobile phones
Pay monthly mobile phones let you spread the cost into a steady routine. It is a simple way to get the phone you actually want rather than settling for whatever fits a one-off budget. Before you apply, think about how you use your phone: photos, gaming, battery life or a screen that fits one hand. Our pay monthly phone buying guide walks through each of these without jargon.
If photos matter most, our guide to camera phones on finance explains night mode, zoom and video stabilisation. Want something on your wrist too? Take a look at pay monthly smartwatches.
No credit check
Our partner shop offers No Credit Checks, which means applying does not involve a credit check. That is the feature — it is not a promise about any outcome, and the partner shop's own terms always apply. Read more on our mobile phones on finance with no credit checks page.
SIM-free phone on finance
A SIM-free phone on finance is not tied to a network contract. You keep your current SIM or pick any SIM deal you like, and switch whenever it suits you. Many people prefer this because the phone and the network are separate, so changing one does not mean changing the other.
How a first order works
For a first order, the first four payments build payment history before dispatch. Repeat orders can be dispatched without that first-order waiting period, subject to the partner shop's terms. See how a first pay monthly order works for the full picture.
Ready to look?
Start with the quick quiz on our pay monthly mobile phones home page, or use the apply button above to go to our partner shop. Take your time, check the payments shown before you commit, and choose the phone that fits how you live.