O2 now lets you pay off a phone over 24 months without a contract in the UK
O2 has launched SIM-free financing, a flexible payment offering which enables customers to purchase a new or refurbished phone without an airtime plan. Customers can spread the cost of this purchase using finance options which range from three months to two years.
O2 said that the introduction of SIM-free financing means customers can buy a phone standalone, giving them more choice and flexibility when buying their next device.
The offering also allows customers to repay early without penalties, track balances, manage payments and access customer support via an app. SIM-free financing will be available on the following phones:
Full details
SIM-free financing will be available on the following phones:
- iPhone 16 128GB (brand new device)
- Samsung Galaxy A57 (brand new device)
- Google Pixel 10a (brand new device)
- iPhone 17 256GB (Like New device)
- Samsung Galaxy S25 Ultra (Like New device)
- Samsung Galaxy S26 Ultra (Like New device)
O2 said the deals will be managed by its partner Affirm, and provided the following details:
- Personalised finance options on eligible devices can be spread over three to 24 months
- APR rates from as low as 0%, subject to a credit check
- No hidden fees or late payment fees
- Early repayment available with no penalties
- Clear upfront pricing showing total repayment costs before purchase
- Soft credit checks that won’t affect a customer’s credit score if they’re not eligible
- Easy account management through the Affirm app
“We want to give people the freedom to choose, that’s why we’re making it easier for our customers to access the phone they want with clear, transparent financing and no hidden surprises,” said Amber Pine, Chief Consumer Officer for O2.
“With O2’s new SIM-free lineup, whether customers are looking for a brand-new smartphone or a refurbished device, they can choose a payment plan that works best for them and their budget.”
