Credit agreement - Sky Mobile

Spread the cost of paying for your new phone or tablet with our credit agreement options.

What's a credit agreement?

  • A credit agreement is a type of loan that lets you spread out the total cost of a new device over several months.
  • We'll lend you the money for the device. You can then repay the loan in monthly instalments.
  • The credit agreement we offer is 0% interest, so you won't pay more for the device than if you bought it outright.
  • It's regulated by the Financial Conduct Authority.

Buying a pay monthly device


ContractContract length


24-month contract

Swap24  (phone bought before 9 August 2019)

30-month contract

Swap24  (phone bought after 9 August 2019)

36-month contract


ContractContract length

Swap24 (Tablet)

36-month contract


48-month contract

With our pay monthly devices, you can upgrade any time after the 31-day cooling off period.

Device limits: Max. 7 data plans and 5 active devices per account. If you paid for a device upfront in full, it’ll count as an active device on your account for 150 days from purchase. If you’ve reached your device limit, you won’t be able to upgrade your current devices until you either finish paying for a pay monthly device, or you’ve had a device you paid for upfront in full for more than 150 days.

Credit checks

When you apply for a pay monthly device with a credit agreement, with your consent, we’ll run pre-sales credit checks to see if you’re eligible to buy a device from us with a loan.

Signing your credit agreement(s)

Before we can confirm your order, you’ll need to sign your credit agreement(s) online and confirm you can afford the monthly loan repayments.

If you ordered more than one device, you’ll need to sign each credit agreement separately before we can confirm your order and send your devices to you.

Your credit agreement

Your credit agreement is separate to your monthly plan contract for data, calls and texts. Each contract might have different start and end dates.

Viewing your signed credit agreement

You’ll have a separate credit agreement for each device.

To view or download a PDF copy of your signed credit agreement(s):

  1. Go to the Message Centre and sign in with your Sky iD.
  2. Select Inbox 'View all' and find Your credit agreement.

Credit agreement example in Message Centre

Check what's left to pay

To see how much is left to pay for your device, go to Device payments.

Want to pay off your credit agreement?

To pay it off, you can make additional payments. Any additional payments will go towards paying off your final monthly instalments (not necessarily your next month’s instalment). Make an additional payment.

Bills and payments

Your monthly device payments and your monthly plan payments show as separate items on your bill. But, both payments will be taken on the same payment date each month.

If you haven’t activated your SIM 10 days after your device was delivered, the bill for your first monthly device payment will be automatically issued and payment will be due 3 days later (a total of 13 days after your device was delivered).

If you don’t activate your SIM within 31 days we might ask you to immediately repay the full amount of your credit agreement.

For more bill help, see our Sky Mobile bills and payments guide.

Your credit file

By signing your credit agreement, you agree to let us share your personal information with credit and fraud prevention agencies. For more info, see Your credit file article.

Changed your mind?

Don't worry, if you change your mind about your new device, just let us know within 31 days of it being delivered.

For a full refund of any payments you've made, return it in its original condition, within 14 days. If you return it after then, we'll cancel your refund and your credit agreement and monthly device payments will carry on.

Want to cancel your credit agreement but keep your phone or tablet? You’ll need to pay off your remaining credit agreement balance in full.