📖 Frequently Asked Questions
All you need to know about phones on finance, no credit checks, bad credit approval, and more.
Can I get a phone on finance with bad credit?
Yes! At PhonesOnFinance, we specialise in helping people with poor or no credit history get approved. Your eligibility is based more on affordability than your credit score.
Do you do phones with no credit checks?
We offer no credit check phones and soft-check options that won’t affect your credit score. Perfect if you’re worried about past credit issues or haven’t built a score yet.
How fast can I get approved?
Most applications are processed in under 60 seconds. Once approved, you can receive your phone as soon as the next working day.
Do I need to pay a deposit?
Many of our deals are zero-deposit phones, especially for weekly or monthly finance options. You’ll see if a deposit is required during application.
Can I pay weekly or monthly?
Yes, we offer both pay weekly phones and pay monthly phones. You can choose the plan that works best for your budget. We’re happy to help move payment dates around if needed.
What phones do you offer?
We have a wide range of SIM-free phones including the iPhone 8, iPhone 13, Samsung Galaxy range, and Google Pixel models — all available on finance.
What do I need to apply?
You'll need a valid UK address, proof of ID (passport or driving license), income details (wages or benefits), and a bank account for your payment setup.
Can I get a phone if I’m on benefits or a low income?
Yes. We help many customers who are receiving benefits or are on a lower income. As long as your payments are affordable, you may be eligible.
What if I’ve been declined elsewhere?
We work with lenders who look beyond your credit file. Even if you’ve been declined before, we may still be able to help you get approved.