In most cases, consumers are better off getting a mobile phone on finance. Often mobile phone contracts provide better calling tarrifs meaning lower call charges, than those offered with Pay As You Go mobile packages.

Most people presume that getting a phone on finance becomes difficult, especially for those that have bad credit rating, loan defaults or CCJs.

Some providers, such as Vodafone and Orange recognised the problem face by many, and have relaxed their credit checks meaning it's even easier for poor credit rating folk.