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Raylo is the clever new way to get the phone you want without having to own it. New or refurb, pay way less than you would on contract. And when you’re done, we’ll swap you to the newer model.
Don’t own it. Raylo it.
CHOOSE YOUR PHONE
iPhone XS Max
£17.99/month
iPhone 12 Pro
iPhone 12
£27.99/month
Note20 5G
Galaxy S20 5G
iPhone XR
£14.99/month

How it works

1
Choose the phone and term you want
We only do the best phones – and they all come SIM-free.
Pick a 12 or 24 month term.
Pay way less every month
Get the latest phone the smarter way.
Don’t own it. Raylo it.
2
Upgrade time
At the end of your term, the choice is yours.
Apply for a free upgrade, keep your phone or leave us by returning your phone.
Find out more
3
24 month warranty included
Free next day delivery
SIM-free
30 day cancellations
Eco-friendly choice

Savings calculator

Don’t own it. Raylo it.

Who is your current network?
What phone do you want?
EE contract - Unlimited data
£69.00/month + £100 upfront
Raylo
£27.99/month + £0.00 upfront
Here's how to save £21.01/month + £100 upfront:
1
Switch to a EE 100GB SIM-only contract for £20.00/month.
2
Lease your iPhone 12 from Raylo for £27.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
EE contract - Unlimited data
£60.00/month + £30.00 upfront
Raylo
£21.99/month + £0.00 upfront
Here's how to save £18.01/month + £30.00 upfront:
1
Switch to a EE 80GB SIM-only contract for £20.00/month.
2
Lease your iPhone 11 from Raylo for £21.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
EE contract - Unlimited
£77.00/month + £30.00 upfront
Raylo
£40.99/month + £0.00 upfront
Here's how to save £16.01/month + £30.00 upfront:
1
Switch to a EE 100GB SIM-only contract for £20.00/month.
2
Lease your Galaxy Note20 Ultra from Raylo for £40.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
What phone do you want?
O2 contract - 15GB
£58.00/month + £30.00 upfront
Raylo
£27.99/month + £0.00 upfront
Here's how to save £15.01/month + £30.00 upfront:
1
Switch to a O2 15GB SIM-only contract for £15.00/month.
2
Lease your iPhone 12 from Raylo for £27.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 26th May 2020.
O2 contract - 15GB
£55.25/month + £30.00 upfront
Raylo
£21.99/month + £0.00 upfront
Here's how to save £18.26/month + £30.00 upfront:
1
Switch to a O2 15GB SIM-only contract for £15.00/month.
2
Lease your iPhone 11 from Raylo for £21.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 26th May 2020.
O2 contract - 15GB
£65/month + £30.00 upfront
Raylo
£40.99/month + £0.00 upfront
Here's how to save £9.01/month + £30.00 upfront:
1
Switch to a O2 15GB SIM-only contract for £15.00/month.
2
Lease your Galaxy Note20 Ultra from Raylo for £40.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
What phone do you want?
Vodafone contract - Unlimited
£66.00/month + £29.00 upfront
Raylo
£27.99/month + £0.00 upfront
Here's how to save £18.00/month + £29.00 upfront:
1
Switch to a Vodafone 20GB SIM-only contract for £20.00/month.
2
Lease your iPhone 12 from Raylo for £27.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
Vodafone contract - Unlimited data
£58.00/month + £29.99 upfront
Raylo
£21.99/month + £0.00 upfront
Here's how to save £16.01/month:
1
Switch to a Vodafone 20GB SIM-only contract for £20.00/month.
2
Lease your iPhone 11 from Raylo for £21.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
Vodafone contract - 20GB
£71.00/month + £29.00 upfront
Raylo
£40.99/month + £0.00 upfront
Here's how to save £10.00/month + £29.00 upfront:
1
Switch to a Vodafone 20GB SIM-only contract for £20.00/month.
2
Lease your Galaxy Note20 Ultra from Raylo for £40.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
What phone do you want?
Three contract - 30GB
£58.00/month + £49.00 upfront
Raylo
£27.99/month + £0.00 upfront
Here's how to save £16.01/month + £49.00 upfront:
1
Switch to a Three 12GB SIM-only contract for £14.00/month.
2
Lease your iPhone 12 from Raylo for £27.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
Three contract - Unlimited data
£75.00/month + £0.00 upfront
Raylo
£21.99/month + £0.00 upfront
Here's how to save £26.26/month:
1
Switch to a Three 12GB SIM-only contract for £14.00/month.
2
Lease your iPhone 11 from Raylo for £21.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.
Three contract - 12GB
£68.00/month + £99.00 upfront
Raylo
£40.99/month + £0.00 upfront
Here's how to save £13.01/month + £99.00 upfront:
1
Switch to a Three 12GB SIM-only contract for £14.00/month.
2
Lease your Galaxy Note20 Ultra from Raylo for £40.99/month + £0.00 upfront.
You pay less. How do we do it?
1
Get the latest phone without having to own it (it’s a lease).
1
Your phone comes unlocked and SIM-free.
Pick your own tariff from your favourite network.
1
We’re hungrier and nimbler than the big dinosaurs.
Prices selected from the best deals for a 24 month contract on each network’s official website with the lowest possible upfront and at least 10GB of data. With Raylo you don't own the phone. All prices correct as of 15th October 2020.

More reasons to Raylo

Wow service
Our UK based team works super hard. Check our reviews.
Top notch accessories
Free case and screen protector that you’ll actually want to use.
Greener too
Our refurb and reuse approach means that every phone gets as many lives as possible.
Peace of mind
Great insurance cover from just £5.99/month. Underwritten by AXA, made simple by Raylo.

Only the best phones

SIM-free 

iPhone XR

Refurbished

From £14.99/month
SIM-free 

iPhone XS Max

Refurbished

From £17.99/month
SIM-free 

iPhone 12

Brand new

From £27.99/month
SIM-free 

iPhone 12 Pro

Brand new

From £34.99/month
SIM-free 

Galaxy S20 5G

Brand new

From £32.99/month
SIM-free 

Note20 5G

Brand new

From £32.99/month

FAQS

Do our phones come with a SIM?

No. All our phones are both SIM free and unlocked, meaning they come without a SIM card, and will work on all networks. All you have to do is pop in your SIM and you're good to go.

Click here for more information.

How do I cancel?

It's free to cancel within the first 30 days of your order. You just need to let us know and send the phone back unopened and unused.

If you have used the phone or want to cancel after 30 days but before your term ends there will be an Early Termination Charge. Click here for information.

If your term has ended you can cancel for no charge by returning your phone.


Can I keep the phone after the term has ended?

When you order, you choose a lease term of 12 or 24 months.

Here are your choices at the end of this term.

Upgrade

Apply for the a new phone of your choice with no upgrade fee. We’ll send it to you and you have 14 days to return the old one.


Keep

Hey, if you’re happy with the phone you’ve been using, then just carry on paying monthly or pay a one off non-return fee.

If you want to purchase the phone, which would enable you to sell it or give it to somebody else, please contact us to discuss.


Cancel

Hand the phone back and sail off into the sunset

Are Raylo’s phones new?

Raylo’s Galaxy Note20, Galaxy Note20 Ultra, Galaxy S20, Galaxy S20+, Galaxy S20 Ultra, iPhone 12 and iPhone 12 Pro are brand new.


Raylo’s iPhone XS Max, iPhone XR and iPhone X are Certified Refurbished.


Clear distinction is made between these throughout the website, you’ll find all refurbished phones are clearly labelled with ”Refurbished” and new phones labelled with “Brand new”


Do you do a credit check?

Yes.

We run credit checks on all of our customers, as we need to ensure the monthly
payments are affordable and to protect against fraud. We believe this is the responsible
thing to do for our customers and Raylo.

For further information click here. 

What is Raylo insurance?

Protect your phone with one of the best insurance options around. Underwritten by AXA, developed by Raylo for simple, high-quality, low-cost worldwide cover – plus rapid repairs for accidental damage. Click here for further information.

Any more questions?

Check out our help centre or contact us via phone, email or webchat.