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• A Samsung Finance loan allows you to spread the cost of your Samsung equipment over a maximum of 36 months.
• You can choose how much you pay upfront and spread the cost over the remainder of the term of the loan.
• Samsung Finance loans are provided by Glow Financial Services Limited (“Glow” or “We”) acting under the brand of Samsung Finance (powered by Glow).

• Samsung Finance is available to finance online or in-store purchases of Samsung equipment (the “Financed Equipment”), or related services (such as Samsung Care+).
• You must be at least 18 years old and been resident in the UK for at least 3 years before you apply.
• You need to have a UK bank or building society account with a direct debit facility.
• You need to be in possession of a valid full or provisional photo driving licence, a valid passport or EU ID card when you apply for your loan.

• After you submit your application, we’ll check whether you will be eligible for a loan and notify you of the rate of interest and APR that is available to you.
• We’ll then ask you to sign a credit agreement and provide you with the information that you should rightfully have prior to obtaining a loan.
• We’ll provide the credit stated in your credit agreement. We do this by applying the total amount of credit specified in your credit agreement (the “Amount of Credit”) in payment or partial payment of the cash price of the Financed Equipment you have chosen, together with any related delivery charges and Samsung Care+ cover (if applicable) as shown in your credit agreement.
• We’ll provide this credit once Samsung has notified us that all the Financed Equipment you have purchased under your credit agreement has been delivered to you.
• No money will be transferred to you.

• Your monthly repayments are calculated by deducting the upfront payment that you make when purchasing your Financed Equipment.
• The amount is then spread over the period that you selected when applying for the loan.
• If you obtain a Samsung Finance loan at a rate of interest above 0% APR, interest is applied to the amount of the loan that remains outstanding and is payable monthly.
• The final monthly payment for may be slightly higher or lower than your other payments.

• You must make monthly repayments by direct debit as set out in your credit agreement.
• The first payment will be due one month from the date we confirm in writing that we have activated the credit agreement.
• You then make payments on the same date each month after that.
• You’ll need to keep your direct debit details up to date.  if you want to amend your direct debit details or payment date during the term of your loan CLICK HERE to send us a request.
• You can make updates to your direct debit after the first regular monthly payment is taken from your account.
• If your payments are due on 29th ,30th and 31st and the month does not include these days, then it will become due on the last day of that month.
• For example, in a non-leap year if your payments are normally due on the 29th, 30th and 31st, it will be due on the 28th February. In a leap year if your payments are due on 29th, 30th or 31st it will become due on 29th February. If your payments are normally due on 31st of each month and the month does not have 31 days like April and June, then it becomes due on the last day of that month which is the 30th.
• If the date your payment is due is not a working day, it will be due on the first working day afterwards.

Unfortunately, Samsung Flex has been shut down as of 25th February, 2026. Existing Samsung Flex customers may still upgrade to a new device via the Flex Lounge, at the end of their repayment period (or earlier if you’ve been invited to upgrade early), using our standard finance & payment options at checkout.

You Pay just 10% upfront and a low monthly cost at 0% APR representative. Then pay a final instalment to keep your phone, or return it and either upgrade, or walk away.

Representative example: 0.0% APR representative (fixed). Cash price: £1,249.00. Pay upfront: £124.90. Total amount of credit of £1,124.10 over 26 months at an interest rate of 0% p.a. (fixed). Monthly repayment £29.98. Final settlement payment: £374.70. Cost of credit: £0.00. Total amount payable £1249.

When you pre order if you are planning to apply for a Samsung Flex loan then it must be selected by clicking 'add to order' in the options before proceeding to the checkout.

Existing Customers:

You can manage your existing Flex loan via https://www.samsung.com/uk/samsung-flex/. Please note, you may need to register using the same email you used to purchase your Flex device.

Samsung Flex is separate to any other Samsung Trade in or upgrade programme and if an alternative trade in is used then your Samsung Flex loan is still payable

Certain existing Flex customers may have been invited to purchase the latest devices. You can perform this via My Flex Account and selecting your next device.

You’ll be sent a Returns Pack when you receive your new device - use SmartSwitch to transfer across your data, and you’ll have 7 days to return your old Flex Device with the Returns Pack.

Upon receiving your device and, subject to the device being in good condition, we will settle your old Flex loan at no extra cost to you, including any remaining monthly and balloon payments. You may be subject to a surcharge if your device is not returned in good condition. Surcharges applicable can be found in the FAQ

Please note: The phone you are returning will be shown as a Trade In at checkout. Do not remove this from your order, or your Flex loan will not be settled, and you will still be liable to make all outstanding payments.

If you want to keep your phone at the end of the term, you do not need to do anything. The final settlement payment will be taken at the end of your agreement.

Important: Samsung will only buy your device back if it is in good working condition, otherwise charges may apply.Find out about the requirements for device condition here

• You must be at least 18 years old and have been resident in the UK for at least 3 years before you apply.
• You need to have a UK bank or building society account with a direct debit facility to make the monthly repayments.
• You need to be in possession of a valid full or provisional photo driving licence, a valid passport or EU ID card when you apply for your loan.

• You must make monthly repayments by direct debit as set out in your credit agreement.
• The first payment will be due one month from the date we confirm in writing (via email) that we’ve activated your credit agreement (which we do when Samsung confirms delivery of your goods to you).
• You then make payments on the same date each month after that.
• You’ll need to keep your direct debit details up to date. Send us a request if you want to amend your direct debit details during the term of your loan.
• You can make updates to your direct debit after the first regular monthly payment is taken from your account.
• If your payments are due on 29th ,30th and 31st and the month does not include these days, then it will become due on the last day of that month.
• For example, in a non-leap year if your payments are normally due on the 29th, 30th and 31st, it will be due on the 28th February. In a leap year if your payments are due on 29th, 30th or 31st it will become due on 29th February. If your payments are normally due on 31st of each month and the month does not have 31 days like April and June, then it becomes due on the last day of that month which is the 30th.
• If the date your payment is due is not a working day, it will be due on the first working day afterwards.
• If the date your payment is due is not a working day, it will be due on the first working day afterwards.
• Your final settlement payment will be due on the 14th or 26th month after the date of activation of your credit agreement.

• You have a right to repay all or part of your credit early at any time.
• You can do this by contacting us on 0333 00 33 777* 9 am – 6 pm, Monday to Saturday.
• We won’t charge you an early repayment fee.
• If you want to make a prepayment on your Samsung Flex loan, we’ll ask you whether you wish to apply the amount of your prepayment towards reducing your regular monthly payment, your final settlement payment, or both.
• If you choose to reduce your regular monthly payment, the duration of your credit agreement will remain the same, but your monthly repayments will decrease to smaller equal instalments, and your final settlement payment stays the same.
• If you choose to apply your prepayment towards reducing the final settlement payment, your regular monthly payment will stay the same.
• You can also allocate your partial repayment towards reducing your regular monthly payment and your final settlement payment in the proportions you choose to tell us.

• We will be happy to discuss any aspect of your loan application or agreement with you however we are unable to answer queries related to your delivery, product queries, warranty, repairs insurance claims or returns these call should be directed to Samsung UK who you can contact on 0333 000 0333

• We  have multiple contact channels if you need to discuss any aspect of your finance loan or application.  The  easiest way is for you to contact us is to simply CLICK HERE and send us a request. You can do this 24/7 and our customer service team will respond to your request in our usual hours of 9am to 6pm Monday to Saturday. 
• If you already have an agreement with us, please include your agreement number when you contact us. Your agreement number begins with either D1 or 11.
• Make sure to contact us using the same email address you used for your loan application.
• If any of your personal details have changed since you applied, please enter your original registered details on the form, and provide your updated information in the Description field.
• You can call our Customer Services team on 0333 00 33 777* (for business customers 0333 00 35 100*) 9 am – 6 pm, Monday to Saturday.
• Calls to 03 numbers cost no more than national rate calls to 01 or 02 numbers and count towards any inclusive minutes.
• Contacting any customer service centre can be a frustrating experience, so to save you from waiting during busy periods when all our colleagues are speaking to other customers, we operate our lines as a call-back service. We will ask you to enter the number you would like us to call you back on, and in turn, as soon as an agent becomes available, the call back will happen automatically. The call back will show as coming from 0333 00 33 777 (or if you are a business customer, 0333 00 35 100), and we will call you 3 times at 15-minute intervals, so don't worry if you miss us the first time we call you back.
• We will monitor and record calls made to or by our Customer Services team to comply with our regulatory requirements and for your security. We also use call recordings for quality assurance and training purposes and to improve the services we offer you.
• If you contact the Customer Services team, we ask that you agree to be respectful to our colleagues. If you’re aggressive towards them in any way, we reserve the right to send you a notice indicating that all onward communication in respect of the Credit Agreement will be in writing.
• You can also email us at support@samsungfinance.co.uk or for business customers, businesssupport@samsungfinance.co.uk or simply click here to submit a request directly to us.

• We will be happy to discuss any aspect of your loan application or agreement with you, however, we are unable to answer queries related to your delivery, product queries, warranty, repairs, insurance claims or returns. These calls should be directed to Samsung:

  • For online orders,  call 0333 000 0333.

  • For Samsung Experience stores orders, call 0333 344 1916.

💳 What is Section 75?

If you bought something using a credit card or a loan arranged at the time of purchase (such as point-of-sale finance through Samsung Finance), you may be protected under Section 75 of the Consumer Credit Act.

This protection means you could claim a refund from the lender (Samsung Finance) if the retailer does not resolve an issue for you that was there at the point of sale. 

For example, if your goods are faulty when received, not delivered, or not as described, then you can raise a claim against the retailer for a refund or replacement. If the retailer does not respond, or does not resolve the issue for you, then section 75 allows you to raise the same claim against your lender (Samsung Finance).Important: Samsung Finance and Samsung UK are separate companies. If you have queries about outstanding deliveries or technical issues with your device, you should contact Samsung UK directly, as Samsung Finance cannot assist with these matters.

✅ When Section 75 May Apply

Key Conditions:

• You paid using credit for a purchase between £100 and £30,000. Section 75 applies when the total cost of the goods or services is between £100 and £30,000, even if only part of it was paid using credit. Items that cost less than £100 on their own can still be covered if they are part of a larger purchase where the overall basket value is between £100 and £30,000 and is financed through the same credit agreement. 

For example, if you buy several items together on one point of sale loan and the total comes to £500, each item — including those priced under £100 — can fall within Section 75 protection.

• There’s a direct link between you, Samsung Finance, and Samsung UK 
  For Section 75 protection to apply, the lender, the retailer, and you must be directly connected — such as when you pay Samsung UK using an Samsung Finance loan at checkout. If you buy through a third-party platform or marketplace, this link might be broken, and Section 75 may not apply.
• The issue relates to what you were sold 
  Your claim must involve a breach of contract or misrepresentation, for example:
  • Faulty or poor-quality goods where the fault existed at the point of sale or developed because of a manufacturing defect that was present at the point of sale 
  • Items that were not delivered
  • Products that were misdescribed or misrepresented
• Retailer terms still apply 
  Section 75 does not override Samsung UK’s return or cancellation policies unless they have breached your legal rights (e.g. misrepresentation or non-delivery).
• Cooling-off period is separate 
  If you purchased online, you may have a 14-day cancellation right under the Consumer Contracts Regulations. Once that period ends, Section 75 won’t give you an additional right to cancel just because you’ve changed your mind.
• A fault or misrepresentation is required 
  You must show the product was faulty when it was supplied, not as described, or was misrepresented.

A change of mind, or issues arising after the warranty expires, does not qualify. 

Section 75 only applies in specific situations, as explained above. If your case doesn’t meet the criteria, there may still be other ways to resolve the issue. 

• You can contact Samsung UK directly to make a claim under the product’s warranty.
• Alternatively, you can raise a complaint with Samsung UK, which would be assessed in line with their obligations under the Consumer Rights Act 2015 — for example, if you believe the goods are not of satisfactory quality. 
• If these options don’t lead to a resolution, you may need to consider a chargeable repair.

Section 75 isn’t a back-up warranty or a way to escalate a complaint. It’s a legal protection that applies only when there’s a genuine breach of contract or misrepresentation by the retailer. In those cases, the law allows you to hold your credit provider equally responsible for the issue.

✅ Valid Examples of Section 75 Claims

1. Faulty or Substandard Goods

• A TV  has a fault and the retailer refuses to fix it
• A speaker system performs well below reasonable expectations

2. Delivery or Supply Failures

• A mobile phone never arrives, and the retailer won’t replace or refund it
• A retailer goes bust after only part of a product or service is provided

3. Misrepresentation or Incorrect Description

• An appliance is advertised with smart features but doesn’t include them 
• You receive a 128GB phone instead of the 256GB version you paid for

4. Promised Refund Not Provided

• You return a faulty item, but no refund is issued

   

❌ When Section 75 Does not Apply

1. Warranty or Damage-Related

• Faults that developed through normal wear and tear or general use, where there’s no clear evidence the issue existed at the time of purchase.
• Damage caused accidentally or through normal use (e.g. drops, water damage).
• Faults that arise after the product warranty has expired.
• Warranty claims that are refused due to user-caused damage.
• You’ve changed your mind and no longer want the product, and the 14-day cooling-off period has passed (i.e. ‘buyer’s remorse’ with no fault or misrepresentation).
• The product has already been refunded, replaced, or repaired by the retailer — there is no outstanding financial loss to be claimed

2. Delivery Issues

• Item arrives damaged by courier

This type of issue is not automatically covered under Section 75, because the damage happened after the purchase was made. However, your consumer rights still apply — the retailer is responsible for ensuring the goods arrive in acceptable condition.

If the retailer refuses to repair, replace, or refund the damaged item, you may be able to make a Section 75 claim based on their failure to meet their legal obligations.

• Returning items after the allowed return period

Section 75 does not override the retailer’s return policy unless your legal rights are breached.

3. Usage or Service-Only Issues

• Complaints purely about service or delivery experience, where the product itself is fit for purpose.

4. When Samsung UK Hasn’t Been Given a Chance to Resolve the Issue

A Section 75 claim may be rejected if the retailer has not first been given a reasonable opportunity to resolve the issue — for example, by offering a return, refund, replacement, or repair.

📩 What to Do Next

If your situation matches one of the valid examples above, you may be eligible to make a Section 75 claim.

Step-by-Step:

1. Start by contacting Samsung UK 
   Report any issue such as non-delivery, faulty items, or goods not being as described. This is often the quickest way to get the issue resolved.
2. If needed, contact Samsung Finance 
   If you’ve already spoken to Samsung UK — or would prefer to contact us directly — we’ll guide you through the claim process.
3. We’ll do the following:
   • Log and acknowledge your claim
   • Investigate based on the information provided by you and the retailer
   • Let you know whether we believe Section 75 applies
   • Take appropriate action if your claim is upheld

We’ll keep you updated throughout and aim to resolve your case as fairly and efficiently as possible.

⚖️ What if You Disagree with the Outcome?

If you’re unhappy with how your Section 75 claim was handled, you can raise a formal complaint with Samsung Finance. We can only review how the claim was investigated and whether the outcome was fair and reasonable based on the evidence provided by both you and the retailer. If there is any new or additional evidence that wasn't available at the time of the original claim, we’ll be happy to review it as part of your complaint. 

We will:

• Log and investigate your complaint under our regulated complaints process
• Share the outcome with you and the reasons for this, along with your rights

If you’re still dissatisfied, you can contact the Financial Ombudsman Service (FOS). They’ll review your complaint independently. If the Ombudsman finds in your favour, Glow will comply with their decision.

For full details, see our Complaints Process and Privacy Notice.

If you've noticed a search from Glow Financial Services Ltd on your credit file, here's an explanation of why it appears and what it means.

Glow is the lender as “Samsung Finance” under brand licence through Samsung Electronics (UK) Limited.

✅ Soft Search vs. Hard Search

There are two types of credit searches that can appear on your credit report:

1. Soft Search (Soft Inquiry)

   • A soft search occurs during the initial stages of your application process. We perform this check when you first apply for finance, as part of the background verification. A soft search does not impact your credit score and is not visible to other lenders but is visible to you if you are accessing your own credit file.

   • Example: We perform a soft search to verify the details you've provided, check your identity, and assess your basic eligibility for credit. This search ensures that your application is handled smoothly.

2. Hard Search (Hard Inquiry)

   • A hard search happens only at the end of the application process—once we have approved your application and taken your deposit. This search is visible to other lenders and may affect your credit score. It’s an important part of assessing your ability to repay the loan.

   • Example: Once your loan has been approved and your deposit has been processed, we perform a hard search to formally record the loan agreement. This search remains on your credit file for up to 12 months and may be visible to other lenders.

⚠️ Why Does This Search Appear on My Credit File?

• If you see a hard search from us on your credit report, it means you have been approved for a loan and we’ve taken your deposit. This is part of the standard procedure when finalising your loan application.

• The hard search allows us, and other potential lenders, to view your credit history and determine your creditworthiness. Even if you decide not to go ahead with the loan after the hard search, the search will remain on your credit file for up to 12 months.

🧐 Can I Remove This Search from My Credit File?

Generally, hard searches cannot be removed once they’ve been carried out, as they are a legitimate part of the application process. However, if you believe a search was made in error or if you didn’t apply for finance with us, you can:

• Check for fraud: If you suspect someone has applied for credit in your name, please contact us immediately so we can investigate.

• Dispute the entry: If there’s an error with the search, you can dispute it with the credit reference agencies (Experian, Equifax, or TransUnion). They will help resolve any inaccuracies.

💡 How to Avoid Unwanted Searches

• Soft search pre-approval: We offer a soft search at the start of the application process to check your eligibility without impacting your credit score. This way, you can explore your options before committing to a hard search.

• Review your application: Make sure to carefully review your loan application before submitting. The hard search will only occur after you’ve been approved and the deposit has been taken.

📞 Need Assistance?

If you have any concerns about the searches on your credit file or need help understanding your credit report, our Customer Support team is here to assist you.

If you've recently repaid your loan in full — whether by finishing your monthly payments or settling early — you might still see the account listed on your credit file. That’s completely normal.

Closed loans stay on your credit file for 6 years

In the UK, credit reference agencies (CRAs) like Experian, Equifax, and TransUnion keep a record of all credit accounts for six years after they’re closed. This includes:

• Loans you’ve repaid in full

• Credit cards you’ve closed

• Mortgages and other credit agreements

This record includes:

• The original loan amount

• The start and end dates

• Your payment history

• The date the account was settled or closed

🔍 Why is this done?

Keeping a record of closed accounts helps lenders:

• Understand how you’ve managed credit in the past

• See that you’ve successfully repaid previous loans

• Assess your creditworthiness for future applications

A closed loan with a good payment record can positively impact your credit score, as it shows you borrowed responsibly and repaid as agreed.

⚠️ What if something looks wrong?

Your loan should appear as:

• Closed or Settled

• With a £0 balance

• And no recent missed payments

If that’s not the case — for example, if the balance still shows as outstanding, or it’s marked incorrectly — please contact us. We’ll be happy to check the information we’ve reported and help you raise a dispute with the relevant credit reference agency if needed.

📆 When will it disappear?

Your closed loan will automatically be removed six years after the date it was settled, even if the account was closed early.

Still have questions?

If you're unsure whether the information on your credit file is accurate, or need help understanding how your loan was reported, just get in touch — our support team is here to help.

What if I return the full order?

If your entire order is returned and accepted for a refund:

• Your loan will be cancelled in full or refunded if any payments were made.

• Your deposit will also be refunded, back to the original card payment was made by

What if I return one of the items of the order?

If you return an item purchased using finance, any refund is applied directly to your loan balance, not your deposit.

What does that mean in practice?

When you place an order using our finance option, the total cost of the order (including all items) is split between:

• An upfront deposit (paid at the time of purchase), and

• The remaining balance, which is financed via a loan.

If you return one or more items from your order, here’s what happens:

The refund is used to reduce your outstanding loan balance

The refund value of the returned item(s) is credited to your loan account. This means:

• Your total loan balance is reduced.

• your monthly payments are reduced keeping the loan term the same 

• Alternatively you can contact us if you prefer your monthly repayments may stay the same, meaning you could repay your loan faster.

• You will not receive a refund of your deposit

Because the deposit was based on the total order value (including the returned item), and it was paid directly to the retailer at the time of purchase, it’s not proportionally refunded if you return part of your order.

Example 1: Standard Return Example 

Let’s say you:

• Buy three items totalling £600.

• Pay a 10% deposit (£60), and take out a loan for the remaining £540.

• Later return one item worth £200.

Your £200 refund will be applied directly to the £540 loan, reducing your balance to £340. You won’t receive part of the deposit (£60) back.

The monthly instalments are then reduced in line with the new balance. We can also keep the payments the same and reduce the term of the loan if that is the preferred option. 

Example 2: Faulty Item Example – Refund After 18 Months:

Let’s say you:

• Buy three items totalling £600

• Pay a £60 deposit, and finance the remaining £540

• One item worth £450 becomes faulty after 18 months

• You’ve already repaid £450 of the loan at this point

• A £450 refund is issued for the faulty item

Here’s what happens:

• The remaining loan balance of £90 (i.e. £540 - £450 already repaid) is settled using part of the £450 refund

• The remaining £360 from the refund is paid back to you directly

• Again, your deposit is not refunded, as it was based on the full order value and paid to the retailer at the point of sale

Summary

• Refunds for returned items are always applied to your loan first

• Any remaining refund amount after settling your loan may be paid to you

• The original deposit is not refunded when only part of an order is returned

• For full-order returns, your deposit will be refunded 

If you're ever unsure how a refund will be applied to your account, our Customer Support team will be happy to explain your specific situation in more detail.

When you apply for a loan with us—even if it’s to make a single purchase—we carry out a hard credit search with one or more Credit Reference Agencies (CRAs). This is a standard part of assessing your creditworthiness and affordability before approving any finance agreement.

What happens if you return the product and receive a full refund?

If your purchase is fully refunded and the loan is subsequently cancelled or settled quickly, we will update your credit file to reflect that the agreement has been closed. However, the hard search that was made during your application will still remain on your credit file.

Why can't the hard search be removed?

Hard searches are a factual record of a credit application, regardless of whether the loan is ultimately used or not. Credit Reference Agencies retain this information to give an accurate picture of a person’s credit activity. As a responsible lender, we’re not able to remove this entry unless it was recorded in error (for example, if the application was fraudulent or submitted without your knowledge).

Will it affect my credit score?

A single hard search usually has a small and temporary impact on your credit score. However, if you make multiple applications in a short period, it could have a greater effect. Lenders may also take note of the number of recent hard searches when reviewing new applications.

Summary

• A hard search is completed when you apply for a loan with us.

• Returning a product and cancelling the loan does not remove this hard search.

• Your credit file will be updated to show that the loan was closed or cancelled.

• The hard search remains as a factual record of your application.

If you believe the search was made in error or you have concerns about your credit report, please contact our Customer Support team, and we’ll be happy to look into it.