Pay-Monthly Phones

Rent-to-own, sometimes called rent-to-buy, is a form of hire purchase. You receive the phone straight away, but you do not own it until all payments have been made in full. If you fall behind with payments or experience financial difficulties, it may be possible to return the phone to the lender, Family Finance. They also have the right to repossess the goods if payments stop. Rent-to-own agreements include protections, such as limits on interest so the total amount payable never exceeds double the cash price, including delivery or related charges. Prices are benchmarked against other retailers to ensure they are competitive.

Yes, instalments can often be arranged weekly or monthly, depending on the agreement offered. The available repayment frequency will be explained during the enquiry process, along with the instalment amount and total payable figure.

Repayments are made in regular instalments using the payment method agreed when your finance is set up. Payment options can include standing order, Continuous Payment Authority, debit card, cash, or bank transfer. Your agreement will confirm the schedule and repayment frequency.

The first repayment is usually due within one month of receiving your phone. If weekly instalments are arranged, the first payment may be due sooner. The exact start date and repayment plan will be clearly shown before you commit.

Phones are offered through rent-to-own hire purchase agreements provided by the lending partner, Family Finance. Agreements typically run over one to three years, depending on your circumstances and the affordability assessment. Repayments can usually be arranged weekly or monthly.

The range focuses on well-known smartphone brands, including Apple iPhone and Samsung Galaxy devices. Stock changes regularly depending on availability, so it is worth checking back if you are looking for a specific model or storage size.

You can still apply. Each application is assessed individually and includes an affordability check. Bad credit does not automatically mean you will be declined, but approval depends on your current financial situation and ability to manage repayments.

You can still enquire, but approval depends on an affordability assessment. Family Finance will review your circumstances to decide whether repayments are affordable.