Phones on Finance — No Credit Check
Phones on finance with no credit check to see your limit. Spread the cost of a new phone over 12 payments at 0% APR. 18+ UK residents.
Top picks
Finance made straightforward
Phones on finance let you get the handset you need now and pay for it over time. Our approach keeps it simple: check your spending limit with no credit check, choose your phone and spread the cost across 12 equal monthly payments at 0% APR. There are no hidden extras and you know the full cost from day one.
What 'no credit check' means
Seeing your limit does not leave a hard search on your credit file, so you can explore mobile phones on credit without worrying about your score. It is a feature of how you check your limit, not a promise of approval — credit is still subject to status and affordability, and is available to UK residents aged 18 and over.
Why finance beats a contract
A traditional contract bundles the phone into a long airtime plan, often costing more overall. Financing the handset separately at 0% APR means you only pay the phone's price, then choose any SIM-only deal you like. After 12 payments, you own your phone outright and can keep it, sell it or pass it on.
A huge choice of phones
From Samsung Galaxy and Google Pixel to great-value everyday models, there is something for every budget. Browse the grid below and open any product to see full details. All phones are unlocked and delivered free to UK addresses.
How paying monthly works with us
Choose the phone you want, check your spending limit in about 60 seconds and, if accepted, split the cost into 12 equal monthly payments at 0% APR. There is no airtime contract attached, so you keep your current SIM or pick any network you like. Your phone is delivered free to your UK address, and you always know exactly what leaves your account each month. Credit is subject to status and available to UK residents aged 18 and over, so please only borrow what you can comfortably repay.
Frequently asked questions
Is there really no credit check?+
Checking your limit involves no credit check. Credit is still subject to status, so approval isn't guaranteed.
What is the APR?+
0% APR, split into 12 equal payments.
Who can apply?+
UK residents aged 18 and over.
When do I own the phone?+
Once all 12 payments are made, the phone is yours.