Compare contract phones with no upfront cost

Search for mobile phones models and compare our best contract deals

Apple
iPhone 12 Pro
iPhone 12 Pro
£59.50 per month
8GB data
No upfront cost
See Deals
Apple
iPhone 12
iPhone 12
£48.00 per month
100GB data
No upfront cost
See Deals
Samsung
Galaxy S10
Galaxy S10
£31.00 per month
100GB data
No upfront cost
See Deals
Samsung
Galaxy S20
Galaxy S20
£37.00 per month
30GB data
No upfront cost
See Deals
Apple
iPhone 11
iPhone 11
£36.00 per month
100GB data
No upfront cost
See Deals
Samsung
Galaxy S20 5G
Galaxy S20 5G
£34.00 per month
30GB data
No upfront cost
See Deals
Apple
iPhone SE 2020
iPhone SE 2020
£25.00 per month
8GB data
No upfront cost
See Deals
Samsung
Galaxy S10 Lite
Galaxy S10 Lite
£26.00 per month
30GB data
No upfront cost
See Deals
Apple
iPhone 11 Pro Max
iPhone 11 Pro Max
£55.00 per month
100GB data
No upfront cost
See Deals
Samsung
Galaxy A71
Galaxy A71
£23.00 per month
30GB data
No upfront cost
See Deals
Apple
iPhone 11 Pro
iPhone 11 Pro
£45.00 per month
100GB data
No upfront cost
See Deals
Apple
iPhone XR
iPhone XR
£32.00 per month
50GB data
No upfront cost
See Deals
Google
Pixel 4a
Pixel 4a
£23.00 per month
6GB data
No upfront cost
See Deals

No upfront cost contract phones: All you need to know

Contract phones No upfront cost 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.

Compare deals

Best no upfront cost phone deals this week

Handset Name Data Amount Monthly Costs
iPhone 7 32GB Gold 15GB data £27.00
Galaxy S9 (64GB Black) 15GB data £27.00
iPhone 7 32GB Jet Black 500MB data £15.00
iPhone 7 32GB Rose Gold 500MB data £15.00
iPhone 7 32GB Jet Black 500MB data £15.00
iPhone 7 32GB Rose Gold 500MB data £15.00
  • iPhone 7 32GB Gold
    iPhone 7
    • 15GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Priority ticket booking for O2 venues
    • £27.00 per month
    24 month contract From Affordable Mobiles
  • Galaxy S9 (64GB Black)
    Galaxy S9
    • 15GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • £1.99 device cost
    • Priority ticket booking for O2 venues
    • £27.00 per month
    24 month contract From Affordable Mobiles
  • iPhone 7 32GB Jet Black
    iPhone 7
    • 500MB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £15.00 per month
    24 month contract From Affordable Mobiles
  • iPhone 7 32GB Rose Gold
    iPhone 7
    • 500MB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £15.00 per month
    24 month contract From Affordable Mobiles
  • iPhone 7 32GB Jet Black
    iPhone 7
    • 500MB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £15.00 per month
    24 month contract From Buymobiles.net
  • iPhone 7 32GB Rose Gold
    iPhone 7
    • 500MB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £15.00 per month
    24 month contract From Buymobiles.net

Need a bit more help choosing a deal? We've got you covered.

For the table above, our experts have handpicked the best phone deals with no upfront cost on offer this week. We've chosen to bring these deals to your attention because we think they represent great value.

That might be because they come with generous monthly allowances on a network that stands for its high quality coverage and fast speeds.

Or because the deals offer great freebies, such as a free voucher or a free subscription to a video streaming service.

Either way, you can rest assured you're getting a standout deal.

What does no a upfront cost phone mean?

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.

Find out more with our one-stop guide.

Is it cheaper to get a phone contract with an upfront cost?

We've crunched the numbers and found that there's negligible to no savings to be made by paying up front.

Generally if you compare contracts with no upfront cost with those that demand some payment upfront and that have the same monthly allowances, you'll find that your total outlay is the same over the course of your contract term.

However, if you can afford to pay a bit upfront you'll have less to find each month. So if you're not great with money and you've got cash to hand, it could be smart to pay a lump sum to begin with for lower premiums.

Cheap contract phones with no upfront cost

Handset Name Data Amount Monthly Costs
iPhone 7 32GB Gold 15GB data £27.00
Galaxy S9 (64GB Black) 15GB data £27.00
iPhone 7 32GB Jet Black 500MB data £15.00
iPhone 7 32GB Rose Gold 500MB data £15.00
iPhone 7 32GB Jet Black 500MB data £15.00
iPhone 7 32GB Rose Gold 500MB data £15.00
  • iPhone 7 32GB Gold
    iPhone 7
    • 15GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Priority ticket booking for O2 venues
    • £27.00 per month
    24 month contract From Affordable Mobiles
  • Galaxy S9 (64GB Black)
    Galaxy S9
    • 15GB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • £1.99 device cost
    • Priority ticket booking for O2 venues
    • £27.00 per month
    24 month contract From Affordable Mobiles
  • iPhone 7 32GB Jet Black
    iPhone 7
    • 500MB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £15.00 per month
    24 month contract From Affordable Mobiles
  • iPhone 7 32GB Rose Gold
    iPhone 7
    • 500MB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £15.00 per month
    24 month contract From Affordable Mobiles
  • iPhone 7 32GB Jet Black
    iPhone 7
    • 500MB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £15.00 per month
    24 month contract From Buymobiles.net
  • iPhone 7 32GB Rose Gold
    iPhone 7
    • 500MB of 4G data
    • Unlimited minutes
    • Unlimited texts
    • Free BT Sport and Apple Music
    • £15.00 per month
    24 month contract From Buymobiles.net

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:

No upfront cost iPhone contracts

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;

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.

Frequently asked questions

Can I get a phone contract with bad credit and no upfront cost?

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 cheap SIM only deal to go with it.

What's good about no upfront cost phones?

  • 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 phones?

  • 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