IDMobile credit checks

flaneurs_lobster

dumpster_fire2025 said:

Not probably, definitely

As an example Three want £1301 for an iPhone 17 Pro Max 256GB on contract. Its RRP is £1199, and Apple even offer 24 month interest free credit if you really wanted to borrow money for a phone.

If you use Three the cheapest plan you can get (for 24 months) is 5GB for £16 a month which is pathetic. You can get a 5GB SIM with ASDA on a 12 months contract for £4.90 a month. So all in you're about £368.40 worse off for buying it on contract vs outright (or with 24 months 0% finance via Apple.)

Not doubting your sums but....

Why have you chosen that particular handset on that particular carrier, other than it being very expensive so makes the numbers bigger?

Maybe the OP wants a £100 Moto.

And the 0% Apple finance deal is a credit deal (is it still with Barclays?), still needs a credit check.....

grumpy_codger

AnnoyedAgain said:

...
I have found that they ... will not give credit after saying they would. ....

The full story?
When did they say they would and when did they change their mind?

dumpster_fire2025

flaneurs_lobster said:

dumpster_fire2025 said:

Not probably, definitely

As an example Three want £1301 for an iPhone 17 Pro Max 256GB on contract. Its RRP is £1199, and Apple even offer 24 month interest free credit if you really wanted to borrow money for a phone.

If you use Three the cheapest plan you can get (for 24 months) is 5GB for £16 a month which is pathetic. You can get a 5GB SIM with ASDA on a 12 months contract for £4.90 a month. So all in you're about £368.40 worse off for buying it on contract vs outright (or with 24 months 0% finance via Apple.)

Not doubting your sums but....

Why have you chosen that particular handset on that particular carrier, other than it being very expensive so makes the numbers bigger?

Maybe the OP wants a £100 Moto.

And the 0% Apple finance deal is a credit deal (is it still with Barclays?), still needs a credit check.....

I chose it because it's a popular, well known device that people are much more likely to get on contract than a £100 Motorola. The numbers are still going to work out cheaper buying outright, even with a £100 Motorola, as the plan cost isn't device dependent, so you're still going to have to pay £16 a month for a 5GB plan which is about £11 more per month than the cheapest deal for 5GB. In fact the numbers would actually be worse if I picked a cheap Motorola as the biggest component of the price difference between contract and buying outright is the plan cost.

I'm also aware that 0% finance is still finance which requires a credit check, I was simply pointing out that you can get it on some form of credit that isn't a device contract where you pay for the privilege of paying monthly for it but also isn't technically "buying it outright."