No - all of our phones are unlocked to any SIM network, so can be used with any Network or SIM. We are working on bringing SIM + handset phone contracts to you soon, which we hope to launch this summer.

We don’t rely on credit checks to make lending decisions as we believe there are issues with data quality that ultimately impede a person’s access to credit. We take account of the whole person, truly try to understand their situation, and take a nuanced approach with every customer we try to serve. Open Banking data is like showing us a digital bank statement, which we believe gives us a better understanding of your financial position than a credit score.

Today, we offer refurbished phones because they are more affordable and sustainable. All devices are refurbished to Grade A, unless specified otherwise. Grade A means: Pristine condition. We guarantee that a pristine device will look and feel brand new with no scratches or blemishes, and a minimum battery capacity of 80%. Every device has been put through a series of rigorous tests to ensure it is fully functioning All of our phones come with a 1 - year warranty, so if you do experience any problems, you can get them fixed for free.

We offer a range of Apple and Samsung phone models, including: iPhone 14, iPhone 13, iPhone 12, iPhone 11, iPhone SE, Samsung S22, Samsung S23, Samsung A54, Samsung A24. We show you a list of all the phone models you’re pre-approved for based on the Open Banking data you’ve shared.