Hi there @adeeq
Thank you for your interest in Giffgaff’s phone range and the Samsung Galaxy S9 https://giffgaff.com/mobile-phones/samsung/samsung-galaxy-s9/phone-details. Giffgaff have partnered with RateSetter to provide a phone loan option. You can apply for a phone loan through RateSetter to enable you to purchase a phone from Giffgaff via monthly payments.
An up-front payment is required for all phone loan applications. The up-front payments available are £ 25.00, £ 50.00, £ 100.00 or £ 200.00 (£ 200.00 is the maximum up-front fee allowed). Should your phone loan be declined, the up-front payment would be refunded back to your payment method within 5 working days.
If your loan is accepted and once your first monthly payment has been taken (1 month after phone delivery date), you could consider contacting RateSetter to adjust monthly payments or pay off your loan sooner, should you desire.
You can contact RateSetter by calling 020 3142 6226, or, online at https://www.ratesetter.com/aboutus/contactus
Business Hours: Monday - Saturday (except Bank Holidays) 9.00 am until 6.00 pm
(At other times, please leave a message and they will get back to you the next working day).
TIPS: Managing Your Loan https://giffgaff.com/support/giffgaff-money-tips/manage-your-loan
Please follow the links below for more details about buying a phone with a RateSetter phone loan and Buying a Phone from Giffgaff Guide:-