iPhone on Finance With Bad Credit

If you've been turned down for a phone contract before, you're far from alone. Missed payments, a thin credit file, a recent move or simply being new to credit can all make it harder to get an iPhone on finance through the usual routes. The good news is that there are other ways to spread the cost of Apple tech without a long contract tied to a network.

How our monthly plans work

Instead of a 24 or 36 month airtime deal, our plans split the cost into 12 equal monthly payments at 0% APR. There are no credit checks as part of the process, so checking your limit won't leave a footprint on your credit file. Your spending limit is based on what's affordable for you, and approval is still subject to status — we'd rather be upfront than make promises we can't keep.

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.

Why bad credit doesn't have to mean no Apple

Traditional lenders look heavily at your history. A plan that focuses on affordability today gives people who are rebuilding their finances a realistic route to the tech they need. Because the APR is 0%, you aren't paying extra for the privilege of spreading the cost — the total you repay matches the item's price.

Tips before you apply

Work out what you can comfortably afford each month and leave some room for unexpected bills. Check your limit first so you know exactly what's available before you choose. Consider whether an iPad, Apple Watch or AirPods could meet your needs now while you build towards a bigger purchase. And always make your payments on time — staying on top of a plan like this is a positive habit for your finances.

Who can apply

You'll need to be a UK resident aged 18 or over. Credit is subject to status. Delivery across the UK is free, and you can see your limit in about 60 seconds.