Pay Monthly Phones

4.5 stars across 26,000+ Trustpilot reviews. Thousands are joining Raylo every month.

Get the latest iPhone, Samsung Galaxy or Google Pixel, pay monthly, with no upfront cost and no long contract. Raylo is rated 4.5 stars from over 26,000 Trustpilot reviews.

Why spend loads of money on a new phone, settle for an old one, or lock into a long phone contract? With Raylo, you subscribe instead: pick your phone, choose optional insurance, and get free next-day delivery with a premium case and screen protector included.

When your term ends, extend and save, upgrade to something new, or send it back. Signing up takes minutes, with a soft credit check that won’t affect your score.

Why more people are paying monthly for their phone with Raylo

iPhone 18 is coming - upgrade without the upfront cost

Apple is expected to launch the iPhone 18 range in September 2026. With Raylo, you don’t need to pay for an iPhone 18 outright or wait for a deal. Whether you’re after the iPhone 18, iPhone 18 Pro or iPhone 18 Pro Max, you can subscribe with Raylo, with nothing to pay upfront - and upgrade when the next model launches.

Looking for an iPhone lease in the UK?

Apple’s own Upgrade Programme, which lets US customers pay monthly for an iPhone and hand it back, upgrade or keep it, isn’t available here yet. Raylo works in a similar way and is available to UK customers today: pay monthly, then extend and save, upgrade to the newest iPhone, or send it back, with no ties to the Apple Store.

SIM-free phones, your network choice

All Raylo phones come SIM-free, so you’re free to pair yours with any network - whether that’s a SIM-only deal on O2, Vodafone, Three, EE or any other provider. No bundled contracts, no network lock-in, just the SIM-free pay monthly phone you want on the network plan that suits you.

Cancel-anytime flexibility, no long contracts

With Monthly Rolling, you’re in control. No long contracts, no strings, just a flexible pay monthly phone subscription you can cancel whenever you like.

Low, fixed monthly costs, no surprises

Raylo’s pay monthly phone subscriptions are low, fixed and transparent, with no big upfront hit and no hidden fees. Subscribe to the latest iPhone, Samsung Galaxy or Google Pixel from as little as a few pounds a month - including refurbished models at lower monthly prices.

More sustainable than buying new

Every returned phone is refurbished and reused, cutting e-waste through circularity. Choose a refurbished model and pay less each month - a smarter way to get the phone you want.

Lifetime warranty, built in

Every phone is covered by a free warranty. Add optional insurance from £4.99/month for extra peace of mind.

Changed your mind? No problem

You’ve got 14 days to return your phone, no fuss.

Looking for phone deals with no upfront cost?

Unlike most phone deals that lock you into a long contract or charge you upfront, Raylo works differently. You get the phone you want, pay nothing upfront, and stay in control of your subscription. Whether you’re comparing iPhone deals, Samsung Galaxy deals, Google Pixel deals or SIM-free phone deals, Raylo is worth a look.

Black Friday phones - why subscribe instead of waiting?

Black Friday iPhone deals, Samsung Galaxy deals and phone deals can look attractive in November - but you’re still paying hundreds of pounds upfront or locking into a 24-month contract. With Raylo, you pay nothing upfront today and stay flexible. No need to wait for Black Friday.