About EE Finance Loans

• An EE Finance loan allows you to spread the cost of your EE purchase over a maximum of 48 months.
• You can choose how much you pay up front, and spread the cost over the remainder of the term of the loan.
• EE Finance loans are provided by Glow Financial Services Limited (“Glow” or “We”) acting under the brand of EE Finance (powered by Glow).

• EE Finance is available to finance online purchases from EE (the “Financed Equipment”), or related services.
• 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.

• Interest for your loan will be between 0% to 19.9% APR, depending on your credit status. 
• The rate of interest is fixed for the duration of your credit agreement.
• The APR (Annual Percentage Rate) is the annual cost of a loan, including interest and any other charge for credit, expressed as a percentage of the loan amount.
• Your interest rate, APR and information on how we calculate it is set out in the information we provide before you sign your credit agreement.

• 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 as shown in your credit agreement.
• We’ll provide this credit once EE 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 an EE 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.

Your first direct debit repayment date will be one month from the date when we confirm to you in writing that we have activated your Credit Agreement.

We will confirm to you that we have activated your Credit Agreement when we are notified by or on behalf of EE that all the equipment listed in the Credit Agreement has been delivered to you.

Call us on 0330 027 1150  if you wish to change your direct debit details, including the date of your direct debit. You can only change the date of your direct debit after the first repayment has been made. To make these changes we may be required to call you back so we can verify you are the account holder so make sure you include the mobile phone number that is associated with your account when you request support. you can call us between 9am and 6pm Monday to Saturday  

Your direct debit details will be set out in your welcome email and EE Finance customer portal.

• Unless you terminate your agreement early (in accordance with the terms of that agreement), the duration of your loan can be up to 48 months from the date we activate your agreement.
• We activate your credit agreement when EE confirms that the devices you’ve financed have been successfully delivered to you.

• 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.

• You have a right to repay all or part of your credit early at any time and you make a full settlement via the customer portal    
• To make a partial payment please call us on 0330 027 1150 9am – 6pm, Monday to Saturday.
• We won’t charge you an early repayment fee.