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Mobile Phone Finance

Spread the cost of a new mobile phone with finance options provided by Barclays.

iPhone 11 on finance

Spread the cost

Choose to pay for your new phone over 24 or 36 months.

Choice of deposit

Pay a little upfront to reduce monthly payments.

Unlocked phones

You have the freedom to use any compatible UK SIM card.

Our Best Mobile Phones on Finance

Credit is subject to application, financial circumstances and borrowing history.

How to Buy on Finance

1) Configure your deal

Choose your phone, 24 or 36 month plan and deposit amount.

2) Submit your application

Fill out your application in our checkout and we will submit it to Barclays.

3) Sign your agreement

You will be directed to the Barclays website to sign your agreement.

4) FREE delivery

We ship your phone for free. Insert any UK SIM card to get started.

Mobile phone finance FAQ.

Buying a mobile phone on finance lets you spread the cost into monthly payments on a 24 month or 36 month plan. You don't have to pay a deposit but it will lower your monthly payments if you do. And because our finance phones are unlocked, you have the freedom to use any compatible UK SIM card.

Who is the credit provided by?

Credit is provided by Barclays Partner Finance.

How much does finance cost?

Most handsets are available on finance at 14.9% APR, with 0% APR finance available from time to time on selected devices.

* Representative example

Item value (Cash Price) £599. Deposit £0. Total amount of payable credit £599. Agreement duration 36 months. Annual rate of interest 14.9% P.A. Representative APR 14.9% APR. 36 monthly payments £20.46. Total amount payable £736.69.

Who can apply for mobile finance?

Adults 18 years or older who have been resident in the UK for over three years can apply for mobile phone finance, as long as they are either in permanent employment (16+ hours per week), self employed, retired, or are not working due to disability.

Is there a credit check?

Yes. The lender will look at your credit report to review how you manage your credit, past and present and approval is subject to your financial circumstances and borrowing history. A credit search will be recorded on your credit report for third parties to see but you can check your eligibility without affecting your credit score.

How are my monthly payments made?

Payments are made by Direct Debit from your bank account you provide on your application.

Do I have to pay a deposit?

You do not have to pay a deposit but if you do it will decrease your monthly payments.

What length of repayment is available?

You can choose to pay over 24 or 36 months for most devices. Other options may be available on selected devices. You will see the available options when you configure your plan. Choosing a longer term means the monthly payments will be smaller.

When will my phone on finance be delivered?

When the phone is in stock and we are notified of a signed credit agreement before 9pm, your phone will be dispatched that day for FREE next day delivery.

What are the Terms around mobile phone finance?

Full terms and conditions are available in our Help section. You will also be presented with them during the application process.

Credit is subject to application, financial circumstances and borrowing history. Buymobiles acts as a credit broker and not a lender. Buymobiles only offers financial products from Barclays Partner Finance. Barclays Partner Finance is the lender. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London E14 5HP.

Who can apply?

To apply you must:
  • Be at least 18 years old.
  • Be in full time work (16 hours or more a week), retired, or in receipt of disability allowance.
  • Earn at least £6,000 a year.
  • Have been a UK resident for three years or more.
  • Have a mobile phone number.
  • Have an email address.
  • Have a UK bank account from which Direct Debits can be taken.
  • Have no outstanding County Court Judgements (CCJs).

All pay monthly offers subject to security and credit check. Charges will apply for paper billing. Charges may also apply for non-Direct Debit payment, unless on the EE network. Promo codes cannot be used in conjunction with any other offer. Full Legals.

RPI+/CPI Price Increase - Each year, your Pay Monthly airtime tariff will be adjusted according to a Fixed Annual Price Change (Three), RPI+ (O2) or Consumer Price Index (EE, Vodafone) rate of inflation. Your bill will be adjusted in March (EE) or April (O2, Three, Vodafone) by 4.5% (Three), or the rate announced in January (EE, Vodafone) and February (O2) that year (plus 3.9% on EE, O2, Vodafone).