iPhone 16 Pay Monthly

The iPhone 16 range brought a faster chip, a brighter display, a dedicated Camera Control button and Apple Intelligence features that make everyday tasks quicker. It's a big upgrade for anyone coming from an older model — but the upfront price can be a stretch. That's why so many people look for iPhone 16 pay monthly options.

Monthly plans without the long contract

Network contracts often lock you in for two years or more and bundle the handset with airtime you may not need. Our approach is different: spread the cost over 12 equal monthly payments at 0% APR, with no credit checks as part of the process. You keep the freedom to choose any SIM or network you like.

iPhones are available on monthly plans subject to approval. We don't sell SIM-free iPhones outright and we never promise that a specific model is in stock — the quickest way to see what's possible for you is to check your limit.

iPhone 16 or iPhone 16 Pro?

The standard iPhone 16 suits most people, with a great dual camera and all-day battery. The Pro models add a telephoto lens, ProMotion display and titanium design. If you're spreading the cost, it's worth weighing up which features you'll really use — the monthly difference can add up.

Build out your Apple setup

An iPhone works best alongside the rest of the Apple family. AirPods switch seamlessly between devices, Apple Watch puts notifications and health tracking on your wrist, and iPad gives you a bigger screen for work and streaming. You can spread the cost of all of these on the same 0% APR terms, and every order includes free UK delivery.

Getting started

Check your limit in about 60 seconds to see what you can spend. Plans are open to UK residents aged 18 and over, and credit is subject to status.