Short Term Payments – EE Finance UK

EE Finance – Short Term Payments (STP) Overview

What is Short Term Payments (STP)?

EE Finance Short Term Payments are interest-free loans over 3, 6, or 9 months, provided by Glow Financial Services Limited.

Key features:

0% APR for the full term.
Payments are made by recurring card payment (debit or credit) — no Direct Debit.
Access your loan in the EE Finance Customer Portal.
Card details can be updated in the portal

Key differences from Long Term Payment loans

As of 15 July 2026 short term loans became a regulated credit agreement — regulated by the FCA in the same was as long term loans 12 months +. Section 75 and Financial ombudsman rights apply to these loans in the same way
Complaints - if you have cause to complain about any aspect of your Short term payment loan we will follow the same process as we do for long term payments of 12 months+ and you have the right to refer these complaints to the Financial Ombudsman Service (FOS) following our final decision to uphold your complaint or not.
Payments are taken by Continuous Card Payment, not Direct Debit.
Everything else operates the same as Long Term Payments.

Applying for an STP Loan

Eligibility

To apply for an STP loan, you must:

Be a UK resident for at least 3 years.
Be aged 18 or over.
Have valid photo ID (passport, full/provisional driving licence, or EU ID card).
Have a UK debit or credit card for the first payment and subsequent recurring payments.

Application process

STP is available at checkout for eligible products.
Choose 3, 6, or 9 monthly repayments.
EE Finance (Glow) pays EE directly — no funds are transferred to your bank account.

Credit checks

3-month loans: Soft credit check — not visible to other lenders and does not affect your credit score.
6- or 9-month loans: Hard credit check — visible to other lenders and may affect your credit score.

Making & Managing Payments

How payments work

First payment is taken at purchase.
Remaining payments are taken monthly on the same date as the purchase date.
- If purchased on the 31st, payments are taken on the last day of each month.
Payment date can be changed - requests made within 3 working days of the payment due date will not take place until the following billing cycle.
If you need to change your payment card, update it in the EE Finance Customer Portal at least 3 working days before your next payment date to make sure the new card is used.

Overpayments and early settlement

You can make overpayments, catch-up payments, or settle the loan in full at any time.
No early repayment fees.
All catch up and full settlement payments are made through the EE Finance Customer Portal.
If you want to pay off part of your loan please contact us and we will arrange this

Increasing your loan

You cannot increase an existing loan.
You can apply for a separate loan if making a new purchase (subject to credit assessment).

Managing Your Account in the EE Finance Customer Portal

What you can do in the portal

View loan documents and payment schedule.
See loan balance and payment history.
Make catch-up payments.
Settle your loan early.
Update your payment card details.
If you want to pay off part of your loan please contact us and we will arrange this

How to register

After your purchase, you’ll receive a welcome email with a link to register.
Use the registration link to set up your login and start managing your account.
If you already have an EE Finance loan then an additional Short Term Payment loan will show in your portal if you have already registered

Returns, Replacements & Loan Cancellations

Returning items bought with STP

Start a return in the EE app, via the returns page, or call 0800 079 0323.
Once EE accepts the return, the loan will be automatically cancelled.
Glow will update your loan balance and confirm if a refund is due to your original payment method
if you have purchased multiple products and return some, but not all then any refund will be applied to the loan balance first

Payment Difficulties & Support

If you’re worried about making a payment, contact EE Finance as soon as possible - we are here to help

You can contact us by clicking here to send us a request 24/7

or call us on 0330 027 1150 (Mon–Sat, 9am–6pm)

Free and impartial debt advice

Important: Missing payments can affect your credit score, may lead to early repayment demands, and could result in legal action if you are experiencing difficulties making payments please contact us.

Complaints Process

Use of Personal Data