Pay over time with Affirm

Affirm is our finance partner and one of the world's leading experts in pay over time flexible payment options. You can use them to buy your devices from us and split the cost into manageable monthly instalments.

We’ve chosen Affirm for their human-first approach to lending. That includes checking your eligibility with a soft credit check, which won’t affect your credit score.

Everything’s transparent – there are no hidden fees, no late payment fees and no surprises. 

Affirm contacts credit reference agencies, but it won’t affect your credit score or be seen by any other lender. Other factors, like your savings and annual income may also be considered. Even if you've passed their eligibility check and creditworthiness assessment, Affirm reserves the right to deny any application or refuse a loan.  

Checking your eligibility won’t affect your credit score. As with any lender, if you decide to pay with Affirm, there are things that may affect your credit score, like making a purchase, your payment history with Affirm, how much credit you've used and how long you’ve had credit.  

To check if you’re eligible, you’ll need: 
• To be 18 or older 
• To be a resident of the United Kingdom 
• A UK bank account that supports direct debit or a debit card 
• A UK phone number that can send and receive texts 
• To meet the minimum purchase amount of £75 

Affirm doesn’t charge any hidden fees. That means no late fees, no prepayment fees, no annual fees and no fees to open or close your account. 

Depending on the size and length of your contract, your payment plan may include interest. This is shown as APR when you first apply for your finance contract. You’ll never owe more interest than you agree to on day one – so you always know exactly what you’re getting into. 

If you’d rather bundle your device together with a mobile plan, you can pay in instalments with O2 Refresh. This way, you’ll see your devices and your mobile plan on one monthly bill from us. 

Yes, if you’ve decided a device isn’t for you, you can return it to us within 14 days for a refund. If you’d like to exchange it for a different device, just return your purchase and place a new order. Find out more about returning your device. 

Yes, you can pay off as much as you like, without any hidden fees. Just log in to the Affirm app to manage your payments.  

Yes, you can either buy multiple devices on the same loan or take out multiple loans separately. Subject to eligibility

You’ll get a confirmation email from Affirm with your payment schedule. You can then make or schedule payments at affirm.com or in the Affirm app. Affirm will send you email and text reminders before payments are due, or you can set up AutoPay.