FlexiPay 0% – Interest-Free Instalments Direct from Phone-UK.com

We offer a simple way to spread the cost of a new or refurbished SIM-free phone using an interest-free instalment plan. There are no hidden fees, and the agreement is provided directly by Phone-UK Limited.

FlexiPay 0% is an in-house instalment option managed by Phone-UK.com in London. From application through to final repayment, all communication, billing and support are handled directly by our UK-based team.

What the Interest-Free Instalment Plan Means

With this option, the total price of your SIM-free phone is divided into equal monthly payments at 0% APR for the agreed promotional period. No interest is charged during this period, and there are no arrangement or administration fees.

Your first payment is only taken after the phone has been delivered and you have confirmed that you wish to keep it. No funds are collected before delivery or approval.

Available Instalment Terms

• 12 months at 0% interest
• 24 months at 0% interest
• Up to 36 months at 0% interest on selected higher-value devices

The available instalment term, monthly payment amount and total payable are clearly displayed on each product page and during checkout.

If any balance remains after the interest-free promotional period, it continues on a store account at a fixed rate of 2.5% per month. You may repay the remaining balance in full at any time without early settlement charges.

Eligibility and Application

You can select the instalment option during checkout. We carry out a soft credit check, which does not impact your credit score. As the lender, we are able to provide an instant decision in most cases.

Applicants must be UK residents, aged 18 or over, with a valid UK bank account.

Why Customers Choose This Plan

• 0% interest for the full promotional period
• No upfront payment — instalments begin only after delivery and confirmation
• Early repayment allowed at any time with no penalties
• Direct support from our London-based team
• Fully compatible with our warranty, repairs and 14-day returns process
• Clear, plain-English agreement with transparent terms

How Instalments Are Shown on Product Pages

Eligible products display a clear breakdown beneath the price, for example:

From £37.49 per month for 24 months at 0% APR
Total payable: £899.76 | First payment taken after delivery

Frequently Asked Questions

What is the interest-free instalment plan?

It allows you to spread the cost of a SIM-free phone over 12, 24 or up to 36 months without paying interest during the promotional period.

When is the first payment taken?

Only after the phone has been delivered and you have confirmed that you wish to keep it. No upfront payment is required.

Can I repay early?

Yes. You may repay part or all of the remaining balance at any time without additional charges.

Who can apply?

UK residents aged 18 or over with a valid UK bank account, subject to a successful soft credit check.

Is the plan available on refurbished phones?

Yes. The instalment option is available on both new and selected refurbished unlocked phones.

What happens if I return the phone?

If you return the phone within the applicable return period, the instalment agreement is cancelled and any payments already made are refunded in line with our returns policy.

Can missed payments affect my credit file?

Missed payments may be reported and could affect your credit record. If you experience payment difficulties, we encourage you to contact our support team as soon as possible.

Can discounts or promotions be used with this plan?

Yes. Any valid discount is applied to the purchase price first, and instalments are calculated from the reduced total.

Where can I get support?

Our UK-based support team is available 7 days a week via live chat or email at shop@phone-uk.com.

Is this plan regulated?

The instalment agreement is provided directly by Phone-UK Limited and complies with applicable UK consumer credit regulations. Full terms are supplied before completion.