Want a brand-new iPhone but don’t want to pay everything upfront? A Pay Monthly iPhone no Deposit plan could be exactly what you need. These flexible offers are designed for UK customers who want the latest Apple devices without a hefty initial payment.
What Is a Pay Monthly iPhone With No Deposit?
Instead of paying the full amount when you buy your iPhone, this plan allows you to split the cost into smaller, manageable monthly payments – with no upfront cost. It’s ideal for spreading your budget without compromising on quality or features.
Most Common iPhone Payment Options in the UK
Here are the typical ways to get an iPhone on monthly payments:
| Payment Option | What’s Included | Contract Length | Credit Check Required? |
|---|---|---|---|
| Mobile Network Contract (EE, O2, Vodafone, Three) | iPhone + calls, texts, data | 24–36 months | Yes |
| Apple Store Instalment Plan (via Barclays or PayPal Credit) | SIM-free iPhone only | 6–24 months | Yes |
| Retailer Finance (Currys, Argos, Carphone Warehouse) | SIM-free iPhone, accessories optional | 6–36 months | Often yes |
| Buy Now, Pay Later (Klarna, PayPal Pay in 3) | SIM-free iPhone only | 3–24 months | Sometimes |
Example Monthly Pricing (No Deposit Required)
| iPhone Model | Total Price | Monthly (24 months, 0% APR) |
|---|---|---|
| iPhone 15 128GB | £799 | £33.29/month |
| iPhone 14 128GB | £699 | £29.13/month |
| iPhone 13 128GB | £599 | £24.96/month |
| iPhone SE 3rd Gen | £429 | £17.88/month |
Note: Actual pricing may vary depending on the retailer or credit terms.
Where Can You Get an iPhone on Monthly Payments in the UK?
1. Apple Store UK
Offers financing through Barclays or PayPal Credit with 0% interest (subject to approval). Great for SIM-free models with no network ties.
2. Mobile Networks
- O2 Refresh: Split device and plan payments, upgrade anytime.
- Vodafone EVO: Build your custom plan and upgrade early.
- EE Smart Plans: Includes upgrade options and data flexibility.
3. Major Retailers
- Currys and Argos offer iPhone monthly payment plans using third-party financing.
- Carphone Warehouse offers full contract bundles or SIM-free phones on instalments.
4. BNPL Services
Use Klarna or PayPal Pay-in-3 for a flexible iPhone installment plan without interest (on approved credit).
Benefits of Choosing Monthly iPhone Payments
- Zero upfront cost – ideal for budgeting
- Access to the latest iPhones – including iPhone 15 and iPhone 14
- Upgrade flexibility – with select network contracts
- Quick online applications – approval in minutes
- SIM-free freedom – keep your current network and number
What to Consider Before You Apply
- Credit check: Some plans require a good credit score.
- Contract length: 24 to 36 months is standard.
- Unlocking: SIM-free iPhones are unlocked; network models may not be.
- Total cost: Always check final cost after interest, if any.
