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Mobile Phone Finance

Spread the cost of a new mobile phone into smaller, easier payments.

Spread the Cost

Pay for your new phone in easier, more manageable amounts.

Low Monthly Payments

Our affordable phone prices keep your payments down.

Compatible With Any SIM

Our phones are unlocked, so you can insert any compatible SIM.

Our Best Mobile Phones on Finance


How to Buy on Finance

Choose Your Phone

Checkout with your phone and you’ll be redirected to Close Brothers payment site.

Review Your Finance

See an overview of your instalment finance, then finish the quick application.

Get Your Phone

When your application is accepted, we’ll send your phone via free delivery.

Enjoy Your Phone

As soon as your phone arrives, you can insert any SIM to start using it.



The Need to Knows on Mobile Phone Finance

In a nutshell: Buying a mobile phone on instalment finance lets you spread the cost into low and affordable monthly payments. Finance is basically a more flexible way of paying for a new phone. And because our SIM-free phones are unlocked, you have the freedom to use any SIM card.

Who is the credit provided by?

We work with Klarna to offer all our customers the best credit rate available. Finance is provided through Klarna's platform by a number of lenders, and you get told who your lender is when a loan is offered.

What is a credit search?

It’s simply when a credit lender looks at your credit report. The lender does so to see how well you manage your credit, past and present. A credit search may be recorded on your credit report for third parties to see.

Should I apply for credit/finance?

If you think you’re in a position to apply for a phone on a network contract, you should be fine for a finance one.

How are my monthly payments made?

By Direct Debit, straight from your bank account. You just provide the relevant account details when applying for one of our mobile phones on finance, and the monthly instalments will typically start one month after the date of the finance agreement.

Do I pay a deposit?

Yes, at the point you apply. The deposit is calculated at just 15% of the phone’s SIM free price.

What length of repayment is available?

Our finance option works over 24 months, meaning you can spread the cost into smaller, more affordable monthly payments.

When will my phone on finance be delivered?

You get free next-day delivery Monday - Friday if you order before 4:30pm (subject to stock availability and acceptance on instalment finance).

What are the Terms around mobile phone finance?

Our Terms can be found in our Help section, along with more information around our mobile phone instalment finance option.

Huawei 0% APR Terms:

Interest free credit (0% APR) applies to mobile phone finance on Huawei P20, Huawei P20 Pro, Huawei Mate 20 Pro and Huawei Mate 20 X. Offer is subject to acceptance on a 24-month finance agreement with a 15% deposit.

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 Three's Fixed Annual Price Change (Three), the Retail Price Index (O2, Vodafone) or Consumer Price Index (EE) 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), February (O2) and March (Vodafone) that year (plus 3.9% on EE).