About Samsung Finance Flex loans

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’ll ask you to indicate whether you wish to make your final settlement payment, or have Samsung buy your device and make the final settlement payment on your behalf.
• We’ll contact you via the details you provided when you submitted your loan application.
• You can update your details by sending us a request or by calling us on 0333 00 33 777*, 9 am – 6 pm, Monday to Saturday.
• If you want Samsung to buy your device and make the final settlement payment on your behalf, a third party will contact you in order to have the condition of your device checked.
• If the device is not in good working condition, you may be asked to pay a repair charge.
• Find out about the requirements for device condition here.
• If you’re informed that the device is not in good working condition and a repair charge applies, and so you don’t wish to go ahead, you can have your device returned to you.

If you decide not to sell your device back to Samsung, you’ll still be liable for making the final settlement payment under your Samsung Flex loan.

If you decide to sell your device back to Samsung it needs to be sent back at least 21 days before your Flex agreement ends (the date of the final payment). The device must be in good working condition (Click here for a description of what this means) to be accepted as part of an upgrade or if you want to walkaway.   

If your device was damaged and you have insurance, please ensure that you have completed a valid insurance claim in order to pay for any repair fee(s) before your 21 day returns window opens. Alternatively, damaged devices will require a surcharge which can be found in the FAQ section on the Samsung Flex website). If we believe your device is beyond economic repair, you will need to make the final balloon payment.

The Samsung Flex Lounge is the online portal for customers with a Samsung Flex loan. It allows you to view your loan details, check upgrade options, and manage your device at the end of your agreement.

Through the Flex Lounge, you can:

• View upgrade options – see if you’re eligible to upgrade to a new device.

• Initiate the Walkaway scheme – return your device if it is in good condition instead of making the final payment.

• Start a return as part of the Samsung Flex Upgrade scheme.

• Check your loan details – including agreement number and payment information.

How do I log in to the Samsung Flex Lounge?

• Visit: Samsung Flex

• Click on “My Flex Account”

• Enter your loan agreement number and last name

• Click “Submit”

If you are unable to log in or need help then call the Samsung Flex team on 0330 7267 467 

• The Flex lounge is only available when you become eligible for an upgrade

• The returns option to initiate the walkaway scheme is only available when the returns window is initiated which is after the final standard instalment, prior to the final payment  

Flex lounge upgrade options - example only - the options will depend on the device you are upgrading to and vary from customer to customer.  

 You will be asked to provide some information about the condition of your device - for example

And it is possible that a surcharge may be added if the device does not meet the required criteria - For Example a cracked display

Click 'continue' and follow the instructions to upgrade to the desired device

If you don't want to upgrade then there are two remaining options. You can pay the final instalment or initiate a return and Samsung will pay the final instalment on your Flex loan. This return option is only available during the return window after the final standard instalment has been paid prior to the final payment becoming due. 

• Click here and send us request - we can call you to discuss and specific financial Hardship you may be experiencing - you can also call us on 0333 00 33 777 
• Please be aware that if you don’t make your final settlement payment, this may affect your credit score.
• if you are having financial difficulties, worried about making your repayments or you’ve already slipped behind, we are here to help you and find the support you need. Whatever the reason for the issues you have, we'll help you find a solution that works for you.
• For free and impartial debt support, you could also talk to:
  
  -Money helper: www.moneyhelper.org
  -Citizens advice bureau: www.citizensadvice.org.uk
  -Step change: www.stepchange.org
  -Debt advice foundation: www.debtadvicefoundation.org
  -National debt line: www.nationaldebtline.org

• You may be able to ask for a replacement device issued under the terms of your Samsung Care+ policy or other goods or gadgets insurance policy that you might have.
• You’ll be able to have Samsung buy your device at the end of the term of your loan to the extent that it’s the same model as the original Financed Equipment and the device is in good working condition. Find out about the requirements for device condition here.