Pay Monthly TV UK 2026: Best Deals on 32, 43, and 50 Inch Smart TVs and Finance Options

June 24, 2026 George 0 Comments

Buying a TV on monthly payments is one of the most popular ways to spread the cost of a new television in the UK — especially for larger or more expensive models. Whether you are looking for a cheap 32-inch smart TV for a bedroom or a 50-inch 4K set for the living room, there are several ways to pay in instalments without paying upfront.

The key question is not just where to buy but what kind of finance you are getting. Buy Now Pay Later (BNPL), interest-free credit, weekly payment plans, and instalment agreements are all marketed as ‘pay monthly’ but they work very differently — and some cost significantly more than paying upfront. Here is the honest guide.

What you will learn: every major way to buy a TV on monthly payments in the UK in 2026, the true cost of each option, the best deals by screen size, and which retailers are worth using.

Pay Monthly TV: The Main Options in the UK

Option	Interest?	Best For
0% credit card	No (if paid in full before deal ends)	Large purchases; existing good credit
Currys finance (DivideBuy / V12)	0% for up to 48 months (on selected TVs)	Mid-range and premium TVs; structured repayments
Very / Littlewoods instalment plan	Yes — interest-bearing after BNPL period	Flexible; Buy Now Pay Later 12 months
Argos financial services	0% available on selected items for 4-24 months	Mainstream brands; Argos card
Pay Smart Home / weekly plans	Yes — typically higher APR	Those who prefer weekly payments; bad credit
Family Vision / specialist TV finance	Varies — check APR	Broad range including OLED; flexible terms
Samsung / LG direct finance	0% available on selected models	Direct brand purchases; premium sets

The most important rule: always check the APR (Annual Percentage Rate) before agreeing to any finance plan. 0% credit from Currys or Argos on a specific promotional period is a good deal — weekly payment plans from catalogue-style retailers can carry APRs of 39% or higher, which means you pay significantly more for the TV over time.

Cheapest Pay Monthly TV Options by Screen Size

32-inch Smart TV on Monthly Payments

A 32-inch smart TV is ideal for a bedroom or small living room. New models from Hisense, TCL, and Samsung start from approximately £179-£249 in 2026.

TV	Full Price	Monthly (0% 12m)	APR
Samsung 32-inch HD Smart TV	~£249	~£20.75/month	0% (Currys/Argos)
Hisense 32-inch Full HD Smart TV	~£199	~£16.58/month	0% (Currys)
TCL 32-inch HD Smart TV	~£179	~£14.92/month	0% (Currys)
32-inch Smart TV via Very (BNPL)	From £199	Delayed 12 months then repayments	Interest after BNPL

For a 32-inch TV, the sensible approach is a 0% interest deal from Currys or Argos paid over 12 months. The monthly payment works out around £15-21 per month with no additional cost versus buying outright. Avoid weekly payment catalogue plans for a TV at this price point — the interest adds up to more than the TV is worth.

43-inch Smart TV on Monthly Payments

The 43-inch is the most popular screen size in UK living rooms. Good-quality 4K models from Hisense, TCL, and LG start from approximately £250-£400 in 2026.

TV	Full Price	Monthly (0% 24m)	APR
LG 43-inch NanoCell 4K Smart TV	~£299	~£12.46/month	0% (Currys)
Samsung 43-inch QLED 4K TV	~£399	~£16.63/month	0% (Currys/Samsung)
Hisense 43-inch A7Q QLED with Freely	~£349	~£14.54/month	0% (Currys)
Hisense 43-inch via Very	~£349	Delayed 12 months then weekly	Interest after BNPL

At the 43-inch level, Currys’ 0% finance over 24 months is genuinely good value — it brings a quality LG or Hisense 4K TV down to around £12-16 per month with no interest. Look out for Currys’ Hisense A7Q models with Freely built in — these eliminate the need for a separate Freeview or streaming box, saving another £100-150.

50-inch Smart TV on Monthly Payments

The 50-inch bracket is where picture quality differences become more noticeable. Budget 4K models start from around £300-350, while QLED sets from Samsung and Hisense typically sit at £400-600.

TV	Full Price	Monthly (0% 36m)	APR
Samsung 50-inch QN80F QLED 4K	~£620	~£17.22/month	0% (Currys)
Hisense 50-inch A6Q with Freely	~£349	~£9.69/month (0% 36m)	0% (Currys)
Sony 50-inch Bravia 3 4K Google TV	~£549	~£15.25/month (0% 36m)	0% (Currys/Sony)
50-inch OLED (LG/Samsung) on finance	£799-1,199	~£22-33/month (0% 36m)	0% (Currys/John Lewis)

At the 50-inch size, spreading over 36 months at 0% is the most affordable route. A Hisense 50A6Q at £349 on 36-month 0% finance works out at under £10 per month. For those wanting premium picture quality, an LG or Samsung OLED at £22-33/month on 0% finance is cheaper per month than a Sky Sports subscription.

Where to Buy a TV on Monthly Payments in the UK

Currys (Best Overall for 0% Finance)

Currys is the UK’s largest electrical retailer and offers the widest range of 0% interest finance on TVs. Finance is provided by V12 Retail Finance or DivideBuy depending on the purchase. Terms range from 6 to 48 months at 0% on selected products. Currys regularly runs promotions where the 0% period is extended. You need a credit check to apply — approval is not guaranteed.

Argos (Argos Card)

The Argos Card provides 0% interest on purchases of £99 or more when paid within a promotional period (typically 4-24 months depending on the offer). After the promotional period, the standard Argos Card APR applies (currently 39.9% representative APR), so it is critical to pay the balance in full before the 0% period ends. Argos regularly runs ‘Buy Now Pay Nothing for X Months’ promotions. TV stock at Argos skews toward mainstream mid-range sets from Samsung, LG, and Hisense.

Very and Littlewoods

Very and Littlewoods (both owned by The Very Group) offer Buy Now Pay Later (BNPL) on TVs — typically 12 months deferred payment with no upfront cost. After 12 months, a repayment schedule begins. Interest is charged throughout the BNPL period and the repayment period. Littlewoods’ current BNPL terms: delayed payment of 12 months, then 104 weeks of repayments (for purchases over £50) or 156 weeks (for purchases over £99). The effective APR is higher than 0% finance from Currys or Argos — check the representative APR before committing.

Very and Littlewoods are best for buyers who cannot get approved for 0% finance elsewhere, or who want to spread payments over a longer period. The convenience comes at a cost — read the terms carefully.

Pay Smart Home (Weekly Payments)

Pay Smart Home offers TVs on weekly payment plans with a focus on buyers who prefer smaller, more frequent payments. TVs available in 32-inch to 60-inch sizes from Mitchell & Brown and other brands. Weekly payment amounts vary by model — check paysmarthome.com for current pricing. The APR on weekly payment plans is typically higher than catalogue BNPL, making this most suitable for buyers who genuinely prefer the weekly payment model or have limited credit options.

John Lewis Finance

John Lewis offers 0% interest finance on TVs costing £500 or more, typically over 12-24 months. John Lewis is worth checking for premium TVs (OLED, QLED at higher price points) where the 0% deal runs concurrently with their 2-year guarantee — better value than most retailers for high-end sets.

TV on Finance: What to Watch Out For

Check the APR — 0% is only truly free if you pay off the full balance before the promotional period ends. After the 0% period, standard rates apply (often 19.9%-39.9% APR)
Set up a direct debit to clear the balance before the 0% period ends — missing the window can result in back-interest charges
Credit checks are required for all formal finance — applications affect your credit score
Buy Now Pay Later differs from 0% finance — BNPL defers your first payment but interest may be charged from day one or from the end of the deferred period
Weekly payment plans typically cost more than upfront purchase — calculate the total repayment amount, not just the weekly figure

Best Cheap Smart TVs in the UK 2026

TV Model	Size	Key Features	Price
Hisense A6Q	50-inch	4K, QLED, Freely built in, Google TV	~£349
TCL Smart TV	32-inch	HD Ready, Google TV, built-in Chromecast	~£179
Hisense A7Q	55-inch	QLED 4K, Freely, Dolby Vision	~£399
Samsung UE32H5000	32-inch	HD Smart TV, multiple streaming apps	~£249
LG UA73 43-inch	43-inch	NanoCell 4K, ThinQ AI, Magic Remote	~£299
Samsung QN80F	50-inch	QLED, 144Hz, FreeSync, gaming features	~£620

Thinking about a TV with Freely built in? See our full guide to the Humax Freely streaming box and Freeview alternatives — including which smart TVs already have Freely built in, saving you the cost of a separate box.

Remember that live TV and BBC iPlayer on your new TV still requires a TV Licence. See our guide to who needs a TV Licence and the full cost and concession options.

Not sure how to set up your TV Licence direct debit or switch payment plans? See our guide to changing your TV Licence direct debit and payment methods.

Watch out for scam emails claiming your TV Licence payment has failed. Read our guide to spotting and reporting TV Licence scam emails before clicking anything.

Bottom Line


Best 0% finance	Currys (V12/DivideBuy) — 6 to 48 months on selected TVs
Best for mainstream brands	Argos Card — 0% for up to 24 months; watch out for APR after promotional period
BNPL option	Very / Littlewoods — 12 months deferred; interest applies; check APR
Weekly payments	Pay Smart Home — flexible; higher APR; check total repayment
32-inch cheapest monthly	~£15/month on 0% 12m (TCL/Hisense at Currys)
43-inch cheapest monthly	~£12/month on 0% 24m (LG NanoCell at Currys)
50-inch cheapest monthly	~£10/month on 0% 36m (Hisense A6Q at Currys)
Premium 50-inch OLED monthly	~£22-33/month on 0% 36m (John Lewis / Currys)

Frequently Asked Questions

Where can I buy a TV on monthly payments in the UK?

The main options for buying a TV on monthly payments in the UK are Currys (0% finance via V12 or DivideBuy, 6-48 months), Argos (Argos Card, 0% for up to 24 months on qualifying purchases), Very and Littlewoods (Buy Now Pay Later, 12-month deferred payment with subsequent repayments), John Lewis (0% on TVs over £500), and specialist weekly-payment retailers like Pay Smart Home. Currys offers the widest 0% interest finance options across the most brands.

How much does a 32-inch smart TV cost per month on finance?

On 0% finance over 12 months, a 32-inch smart TV priced at around £179-249 costs approximately £15-21 per month. On a weekly payment plan from a catalogue retailer, the weekly amount may appear lower but the total repayment over time is typically higher due to interest charges. Always check the APR and total repayment amount before agreeing to any finance.

Can I buy a TV on monthly payments with bad credit?

Standard 0% finance from Currys, Argos, and John Lewis requires a credit check and approval is not guaranteed. For buyers with limited or poor credit history, Buy Now Pay Later from Very or Littlewoods (which assesses creditworthiness differently) or weekly payment plans from Pay Smart Home are alternatives — though both typically carry higher effective interest rates than 0% formal finance.

What is the cheapest 50-inch smart TV to buy on finance in the UK?

The Hisense 50A6Q at approximately £349 is one of the best-value 50-inch 4K smart TVs in the UK in 2026, featuring Freely (free-to-air streaming without an aerial), Google TV, and Dolby Vision. On 0% finance over 36 months at Currys, this works out at approximately £9.69 per month with no interest — making it one of the most affordable ways to get a large 4K TV on monthly payments.

Is buying a TV on finance worth it?

It depends entirely on the terms. A 0% interest deal from Currys or Argos paid off within the promotional period costs exactly the same as buying outright — so if you would prefer to keep cash available, it is a genuinely sensible option. Weekly payment plans or high-APR Buy Now Pay Later deals cost more than the TV’s listed price when you factor in interest. Always check the total repayment amount before signing up.