FlexiPay Zero — Our In-House Instalment Programme for Phones in London

Flexible, transparent and provided directly by our store.

FlexiPay Zero is our in-house instalment programme designed to make high-quality, SIM-free and unlocked phones more accessible for customers across London. The programme is operated directly by our store, ensuring clear terms, reliable customer service and a straightforward application process without third-party lenders.

What FlexiPay Zero Is

FlexiPay Zero allows you to spread the cost of a device over a fixed instalment period at a true 0% interest rate. During the selected term, the full price of the product is divided into equal monthly payments with no added charges, hidden fees or rate adjustments.

Importantly, FlexiPay Zero requires no upfront payment. All instalments begin only after the customer has received the product, inspected it and confirmed that it meets expectations. This ensures full confidence and fairness before any payments are initiated.

How the Terms Work

Customers can choose from three fixed instalment periods, designed to align with different product categories. The available options will be displayed clearly on each eligible product page at checkout.

If a remaining balance exists after the initial instalment period, it may continue on a post-term schedule at an approximate monthly rate of 2.9%. Customers are free to settle this remaining amount at any time without penalty. All figures and conditions are presented transparently before the agreement is finalised.

Eligibility and Application Process

The application process is designed to be quick and customer-friendly. When selecting FlexiPay Zero at checkout, a short eligibility assessment is conducted in real time. As the creditor, our store manages all approvals, agreements and ongoing account support directly.

All finance offers are subject to status and verification. Customers are encouraged to review the instalment summary, including the total cost, term length and monthly payment schedule, before confirming the order.

Key Advantages of Store-Provided Instalments

Choosing an instalment plan directly from the retailer offers a number of important benefits.

True 0% interest during the full instalment period.
No upfront payment — instalments begin only after delivery and inspection.
Early settlement without any charges or penalties.
Direct customer service for repayment enquiries, adjustments and warranty claims.
Clear post-term options if a small residual balance remains.

How FlexiPay Zero Appears on Product Pages

Each eligible device will display a clear breakdown of available payment options. Customers will see the instalment length, the exact monthly payment and the total amount due over the 0% term. A short example calculation will also be provided to ensure complete clarity at a glance.

Product pages will include a direct link to the full FlexiPay Zero information page, where terms, payment structure and guidance are presented in a straightforward and accessible format.

Customer Rights and Early Repayment

FlexiPay Zero is structured with full respect for customer rights and financial transparency. Customers may repay the total outstanding balance at any time without additional fees. Should you wish to clear the residual after the instalment period, we will provide a precise settlement figure upon request.

If a device is returned within the applicable return window, our team will adjust or cancel the instalment agreement accordingly and refund any applicable amount after processing the return.

FlexiPay Zero — Frequently Asked Questions

Everything you need to know about our store-led instalment programme.

1. What is FlexiPay Zero?

FlexiPay Zero is our in-house instalment programme that allows customers to spread the cost of unlocked, SIM-free phones over a fixed period. It is operated directly by our store, giving customers full transparency, direct support and a clear repayment schedule at a 0% interest rate during the selected term.

2. Do I need to make a deposit or upfront payment?

No. FlexiPay Zero requires no upfront payment. All instalments start only after you have received and inspected your device, ensuring you are satisfied before any payment is taken.

3. How long are the instalment periods?

There are three main options to suit different devices and budgets:

12 months — for smaller devices or lower-priced items.
24 months — for mid-range devices.
36 months — for higher-end or premium devices.

The exact available term will be displayed on the product page and at checkout.

4. What happens after the instalment period ends?

If there is any remaining balance at the end of the term, it may continue on a post-term schedule at a modest monthly rate of approximately 2.9%. Customers can also settle the residual balance in full at any time without penalty.

5. Who provides the credit?

The store itself acts as the creditor. This means you deal directly with us for all approvals, repayments and account management, without involving third-party lenders.

6. How do I apply for FlexiPay Zero?

Select the FlexiPay Zero option at checkout. A quick eligibility check is performed in real time, and you will be informed immediately if your application is approved. Once approved, you can complete your order and arrange delivery.

7. Can I return a device purchased with FlexiPay Zero?

Yes. Returns are handled according to our standard returns policy. If a device is returned within the applicable window, the instalment plan will be adjusted or cancelled, and any overpaid amounts will be refunded after processing the return.

8. What if I miss a payment?

If a payment is missed, we will contact you promptly to resolve the issue. Repeated missed payments may result in additional administrative actions. Customers are encouraged to contact our support team immediately if any difficulties arise.

9. Can I pay off my instalments early?

Yes. You may repay the full balance at any time without incurring additional fees or penalties. Early repayment is straightforward and allows customers to clear their account quickly if desired.

10. Is FlexiPay Zero really interest-free?

Yes. During the selected instalment period, the total amount payable equals the device price, with no added interest. The only exception is any residual balance that remains after the initial term, which may be subject to the small monthly rate described above.

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