Looking for a new no upfront cost pay monthly phone deal? Compare thousands of contract phone offers from all the major UK networks, including Vodafone, O2 and Three and Sky Mobile to get exclusive deals you won't find anywhere else.
£42.00 a monthNo upfront costMonthly cost will rise every April by £1.50.
£1008.00 total cost
Unlimited5G data
24 month contract
£34.00 a monthNo upfront costMonthly cost will rise every April by £1.50.
£816.00 total cost
Unlimited5G data
24 month contract
£34.00 a monthNo upfront costMonthly cost will rise every April by £1.50.
£816.00 total cost
Unlimited5G data
24 month contract
£19.00 a monthNo upfront costMonthly cost will rise every April by inflation (RPI) plus 3.9%.
£456.00 total cost
150 GBof 5G data
24 month contract
Uses Three's Network
£22.99 a monthNo upfront costMonthly cost will rise every April by inflation (CPI) plus 3.9%.
£551.76 total cost
500 GBof 5G data
24 month contract
£42.00 a monthNo upfront costMonthly cost will rise every April by £1.50.
£1008.00 total cost
Unlimited5G data
24 month contract
£36.00 a monthNo upfront costMonthly cost will rise every April by £1.50.
£864.00 total cost
Unlimited5G data
24 month contract
£35.00 a monthNo upfront costMonthly cost will rise every April by inflation (RPI) plus 3.9%.
£840.00 total cost
100 GBof 5G data
24 month contract
Uses Three's Network
£22.99 a monthNo upfront costMonthly cost will rise every April by inflation (CPI) plus 3.9%.
£551.76 total cost
500 GBof 5G data
24 month contract
Uses Three's Network
£32.99 a monthNo upfront costMonthly cost will rise every April by inflation (CPI) plus 3.9%.
£791.76 total cost
500 GBof 5G data
24 month contract
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Please note: Mobile networks may increase monthly prices in line with the retail or consumer price index each year during the length of your contract. Please refer to individual network's terms and conditions before signing up.
If you’re in the market for a new mobile phone but don't want to break the bank by forking out a lot of money initially, a no upfront cost mobile phone deal could be for you.
Our no upfront cost mobile phone deals make it easier than ever to get some of the latest devices without paying a dime initially. Some pay-monthly phone contracts require an upfront lump sum payment towards the cost of a brand-new smartphone, which must be paid in full when you sign up.
However, with no upfront cost contracts, the price of the phone is distributed across the entire duration of your contract. This means you'll be paying for the phone in instalments over a set period, for example, 12 or 24 months.
There are several reasons why you should consider choosing a no upfront cost mobile phone contract.
First, make sure you select the right phone for you. Browse our extensive range of mobile phones from top brands, including Apple, Samsung, Google, and more. If you need any help choosing a mobile phone, check out our ‘Which mobile phone to buy’ guide.
The next step is to pick a monthly plan that suits your needs and budget. Using our deals table above, you can choose from a range of different phones with no upfront cost. Our deals range from older smartphones with a cheaper monthly plan to phones like the Google Pixel 8 Pro, which was voted Uswitch’s 2024 handset of the year.
Once you select your phone and monthly plan, you will be taken to the provider's site, where you can confirm and receive your desired mobile phone without having to pay anything upfront.
Several well-known networks currently offer phone contracts on Uswitch with no upfront cost - at the time of writing.
While some of the newer flagship mobile phones may not always be available with these deals, older, mid-range, or refurbished models often have no upfront cost options. Examples of network providers that offer no upfront cost contracts include:
The good news is that a lot of the flagship smartphones are available on a no upfront cost contract, as you can see in the table above. This means that if you have a specific phone in mind, you should have no problem purchasing it.
You can go straight to our most popular mobile phone deals pages to select your desired smartphone:
If you have a poor credit score, you might be wondering about your options for pay-monthly phone contracts. Unfortunately, providers offering deals to customers with bad credit often require an upfront payment to cover some of the handset's cost. This helps reduce the provider's risk.
However, you might have better luck securing a no upfront cost deal if you choose an older phone model instead of the latest releases. Older models that still pack a punch often come with more flexible payment terms.
If you already own a handset or can afford to purchase one outright, opting for a SIM only deal is usually much easier if you have a bad credit score. SIM only contracts involve lower financial risk for providers and often have more lenient credit requirements.
By exploring these options, you should be able to find a solution that fits your financial situation while still enjoying the benefits of a pay monthly phone contract.
Visit our SIM only deals page to explore a range of deals on Uswitch.
Not necessarily. You might avoid having to pay a hefty fee straight away with a no upfront cost contract, but over the course of your agreement, you might pay more overall due to high monthly fees.
If you can afford to pay a lump sum to begin with, then you will often save yourself money in the long run.
This will always depend on your financial situation at the time. If you would like to purchase one of the newer, more expensive smartphones but can’t afford to pay a large amount upfront, then a no-upfront-cost deal will suit you perfectly.
However, if you can afford to pay a sum at the beginning of the contract then you will likely save money on the contract overall.
Technically, contract length should not be impacted by whether or not you pay an upfront fee. But opting for a longer contract, over a period of 24 months, for example, may bring the monthly price down, giving you longer to pay back the cost of the phone.
