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New mobile phone

Hi, can anyone give me some advice on how to get the phone I want without paying a fortune? 
I have been with O2 for nearly 4 years and swapped to a sim only deal with them in around October last year as at the time I was ok with the phone I have. This is a 1 year contract. This phone is now starting to play up as I've had it 4 years and I would like to get a new Samsung Galaxy S20 (I currently have an S9). 
All the upgrade deals on O2 are in the high £30s for that phone and I only want to pay a max of about £26/27. 
Is there anyway I can get the phone I want without having to sign into a new contract with O2 & pay high £30s each month? Grateful for any advice. 

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