What is the difference between paying in instalments and subscribing?

Skip to main content
Support home

Support Topics

  • Device
  • Servicing and repairs
  • Circular subscription service
  • Shopping online
About the subscription service
  • How does Circular work?
  • What devices are available from a Circular subscription?
  • What happens to the device if I return it?
  • How do the Seeds of Tomorrow credits work?
  • What happens if the device is accidentally damaged, stolen or lost?
  • Can I change my device?
  • How do I manage my subscription?
  • How do I cancel my subscription?
  • I’ve found the device I want. How can I get it through a subscription?
  • Can I get a SIM card and mobile services with my subscription?
  • What is the set-up fee?
  • Are the subscription devices new?
  • What is the difference between paying in instalments and subscribing?
  • Does the subscription have a contract period?
  • Can I cancel the subscription shortly after starting it?
  • Where can I see all the information regarding my subscription?
  • What is My Account?
  • Does the subscription device belong to me?
  • I can’t find the answer to my question the FAQs. Who should I contact?
  • How do I complain about Circular?

What is the difference between paying in instalments and subscribing?

Paying in installments is a payment option that may be available for the outright purchase of a device. When you purchase a device, it belongs to you. The device is covered by security patches, software upgrades and manufacturer’s warranty as described on the device’s page on the HMD site, but it is not eligible for the benefits included in a subscription – for example, fast replacements if it is accidentally damaged, lost or stolen.

A subscription device does not technically belong to you, but you can enjoy it as much as you want – and we kindly ask you to take care of our device as if it were your own. In a subscription, you pay a monthly fee to use the device. After the 90-day contract period, you have the option of changing the device model for a fee. You can donate credits to environmental causes every 6 months that your subscription is active. You can cancel your subscription at any time and return the device. There is no fee for canceling after the 90-day contract period.

Did you find this helpful?

HMD Global Oy UK Branch, of 2 Kingdom Street, Level 2, London, Paddington Central, W2 6BD, registered in England and Wales under Company No FC033770, UK Establishment No BR018857, is authorised and regulated by the Financial Conduct Authority under firm reference No 949221.