This article breaks down where to get an iPhone with £0 upfront, what providers offer the best deals, and what to watch out for when choosing your plan in the UK.

What “No Down Payment” Means in the UK

When you see “no down payment” for an iPhone in the UK, it means:

  • £0 upfront cost for the device
  • Monthly payments over 12, 24 or 36 months
  • Often tied to a carrier contract or credit check
  • Sometimes includes extras like AppleCare, accessories, or upgrade options

It’s a popular option for:

  • Students
  • Young professionals
  • Anyone who wants the newest iPhone without saving up first

📱 Where to Get an iPhone with No Down Payments in the UK

1. Apple UK – iPhone Monthly Instalments

  • Pay monthly with Barclays Finance
  • Spread cost over 12–36 months with 0% APR
  • Buy unlocked or with carrier SIMs
  • Option to include AppleCare+

2. EE, O2, Vodafone, Three

  • Major UK carriers offer £0 upfront deals
  • Monthly costs vary based on model and plan
  • Some include data boosts, free gifts, or early upgrade options

3. Carphone Warehouse / Currys Mobile

  • Often bundles phones with carriers at £0 upfront
  • Look out for seasonal promotions and cashback offers

4. Mobile.co.uk / Affordable Mobiles / Buymobiles.net

  • Trusted third-party platforms offering no upfront cost contracts
  • Filter deals by data, provider, or contract length
  • Ideal for comparing all offers in one place

✅ Pros & Cons of No-Down iPhone Plans

Pros

  • Get your iPhone right away
  • No savings needed upfront
  • Flexible term options
  • Often bundled with perks (data, protection, upgrades)

Cons

  • Requires credit approval in most cases
  • Monthly cost can be high over time
  • Early contract cancellation = fees
  • May be locked to a network

📌 What to Check Before Signing

  • Total cost of ownership (monthly x term length)
  • Whether the phone is unlocked or network-locked
  • Upgrade rules and contract exit fees
  • What happens after your term ends – phone yours or return?

Conclusion

If you’re in the UK and want an iPhone with no down payments, you have plenty of solid options. Whether you go directly with Apple, through a mobile provider, or use a third-party platform, the key is to compare plans, check the fine print, and choose what fits your budget and lifestyle.