Contract phones with no upfront cost

No upfront cost phone icon

Contract deals on mobile phones are great. They mean you can get a top smartphone for a far, far more affordable price by paying it off over two years - and on some deals, you don't even have to pay anything upfront.

Today's best phone contracts with no upfront cost

Best buy deals
  • iPhone XR 64GB Black
    iPhone XR
    • 60GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Priority ticket booking for O2 venues
    • £51.00 per month
    24 month contract From MobilePhonesDirect.co.uk
  • Mate 20 Pro (128GB Black)
    Mate 20 Pro
    • 30GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Priority ticket booking for O2 venues
    • £37.00 per month
    24 month contract From MobilePhonesDirect.co.uk
  • Galaxy S9 (64GB Blue)
    Galaxy S9
    • 30GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £36.00 per month
    24 month contract From Metrofone
  • P20 Pro 128GB Black
    P20 Pro
    • 20GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Priority ticket booking for O2 venues
    • £31.00 per month
    24 month contract From MobilePhonesDirect.co.uk
  • P20 Pro 128GB Midnight Blue
    P20 Pro
    • 20GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Priority ticket booking for O2 venues
    • £31.00 per month
    24 month contract From MobilePhonesDirect.co.uk
  • P20 Pro 128GB Black
    P20 Pro
    • 20GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Manage your bills with My Vodafone app
    • £29.00 per month
    24 month contract From MobilePhonesDirect.co.uk

How to find contract phones with no upfront fee

It couldn't be easier to find a mobile contract with no upfront cost. Just use our comparison grid.

First of all, select 'free' under the 'phone cost' filter on the left hand side. This will make sure we only show you deals with a free device.

What is a no upfront cost phone deal?

What it means is that you sign up to a contract that has no charge today. The phone itself is given to you 'free' - that is, you get it without paying anything upfront right now.

Instead, the cost of the phone is spread out over the course of your contract. It's incorporated into your bill along with your monthly tariff on a SIM.

Sometimes, the bill is even split up in two, so you can see how much you've paid towards the handset and pay it off whenever you like. O2 Refresh, Sky Mobile Swap, and giffgaff contracts work a little like this.

No upfront cost iPhones

iPhones don’t come cheap - this we know. Going for a slightly older iPhone model can often save you money, as each time Apple launch a new phone, the older models come down in price. So, you may be surprised at the reasonably-priced mobile contracts available on models such as iPhone 7, iPhone 8 and iPhone X.

Spread over 24 months, there’s no upfront cost to pay and you’ll have a nice, new iPhone in your hand without forking out a large lump sum at the start of your mobile contract.

iPhone 7 no upfront cost deals

Best buy deals
  • iPhone 7 32GB Rose Gold
    iPhone 7
    • 5GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Priority ticket booking for O2 venues
    • £30.00 per month
    24 month contract From Mobiles.co.uk
  • iPhone 7 32GB Black
    iPhone 7
    • Unlimited 4G data
    • Unlimited minutes
    • Unlimited texts
    • Manage your bills with My Vodafone app
    • £32.00 per month
    24 month contract From MobilePhonesDirect.co.uk
  • iPhone 7 32GB Gold
    iPhone 7
    • Unlimited 4G data
    • Unlimited minutes
    • Unlimited texts
    • Manage your bills with My Vodafone app
    • £32.00 per month
    24 month contract From MobilePhonesDirect.co.uk
  • iPhone 7 32GB Rose Gold
    iPhone 7
    • Unlimited 4G data
    • Unlimited minutes
    • Unlimited texts
    • Manage your bills with My Vodafone app
    • £32.00 per month
    24 month contract From MobilePhonesDirect.co.uk
  • iPhone 7 32GB Black
    iPhone 7
    • 5GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Manage your bills with My Vodafone app
    • £32.00 per month
    24 month contract From MobilePhonesDirect.co.uk
  • iPhone 7 32GB Gold
    iPhone 7
    • 5GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Manage your bills with My Vodafone app
    • £32.00 per month
    24 month contract From MobilePhonesDirect.co.uk

Contract phones for bad credit check and no upfront fees

Unfortunately, most networks perform credit checks on anyone signing up for a mobile contract that includes a handset. However, if you are concerned about your credit history, you’ll have more luck with a contract on a cheaper phone. A good rule of thumb: the more expensive the phone is, the harder it will be to pass a credit check.

If you do find a cheaper phone you like, use our comparison table to find the best available deals - and see which deals come without an upfront cost.

If you do have bad credit, don’t panic. Believe it or not, there are a lot of deals available for those with bad credit. Hit the button below to find out everything you need to know.

It’s worth noting, you may have more luck with deals from resellers, rather than direct from a network. If you try and fail to sign up to a contract because of your credit history, however, the best thing to do is save up and buy a phone outright - and get a SIM deal to go with it.

Cheap contract phones with no upfront cost

Mobile contracts on the latest iPhone or Samsung models with no upfront cost will push up your monthly costs - as you’re essentially spreading the cost of the phone over the course of your contract.

But... there are cheaper contracts available on a variety of phones. Check out the no upfront cost contracts on handsets such as:

What's good about no upfront cost?

  • You can get a phone straight away without breaking the bank
  • They make the cost of expensive phone more affordable
  • There's lots of choice
  • Special offers and deals are often available

What's bad about no upfront cost?

  • Monthly bills are higher
  • They can cost more in the long run - it's better value to buy a phone outright and go SIM-only
  • Long contracts - they usually last two years
  • Plans aren't very flexible