Getting help with your monthly payments

Yes – if you’re worried about paying your Airtime or device plan agreement, please contact us as soon as you can. We’ll go through any available options with you and do our best to help you get back on track. 

Yes – if you have accessibility or vulnerability needs, we have tailored support options that may help. You can find out more by contacting our wellness team. 

Yes – if you’ve fallen behind with your payments or are worried about making future payments, we have help and support options available:

The following options are ways you can manage your Airtime plan and device plan agreement:  

You can check your Pay Monthly Airtime plan and device plan agreement information on: 

• My3
• The Three app
• Your monthly Airtime bill 
• Your annual device plan agreement statement 

If you’re able, you can make partial or additional payments before your payment due date:

For your Airtime plan 

You can make additional payments by: 

• Logging into My3 or the Three app
• Calling us on 400 from your Three phone  

For your device plan agreement

To make an additional payment towards your device plan agreement, you can:

• Call us on 333.from your Three phone 
• Use Live Chat

Would a different payment due date help you make your monthly Airtime or device plan payments? Get in touch and we’ll help pick a date that works for you. 

If you’ve fallen behind with your payments, we may be able to set up an affordable repayment plan for you. 

Find out more about setting up a repayment plan

Worried you’re not going to make your next payment on time? We may be able to offer you a payment extension. 

Find out more about setting up a promise to pay

If you’re really struggling and the options above aren’t helping, the best thing to do may be to speak to a financial specialist.

As well as the options above, the following options are also available for your Airtime plan.

If your current plan isn’t working for you, you can change it to something more suitable. This isn’t the same as upgrading – your contract term will stay the same. 

Important: You can’t change your price plan before your Airtime payment due date. So, this wouldn’t be the best option if you think you’re going to miss your next monthly payment.  

If you’re really struggling and the options above aren’t helping, the best thing to do may be to speak to a financial specialist.

A Spend Cap is a great way to control your bill. Use it to limit your spending on things not included in your Airtime plan. 

Find out more about Spend Caps

If you’re regularly struggling to make your monthly payments, switching to Pay As You Go may be the best option for you.  

You can top up when you can and with an amount that suits your budget.  

Important: Still within your minimum contract term? Before you can move to Pay As You Go, you’ll need to pay an Early Termination Fee. You can find out more about this in our Price Guide and Pay Monthly terms. 

Go to our Price Guide

Check your Pay Monthly terms

As well as the options above, the following options are also available for your device plan agreement.

If you give us a call or use Live Chat, we can use a budgeting tool to help you get a clear view of your finances. You can also get help and support with your finances from specialist organisations.

While this isn’t something we can help you with directly, these companies can offer you professional help with your finances.

Find a debt advisor near you by:

• Going to moneyhelper.org.uk/debt-advice-locator
• Calling 0800 138 7777
• Sending a WhatsApp message to +44 7701 342744

Step Change offers free, flexible debt advice based on an assessment of your situation. Once they’ve done their assessment, they’ll give you practical help and support for as long as you need it. 

This free government scheme stops you from being chased for debts for up to 60 days while you get your finances in order.

If you live in England, Wales, or Scotland, call 0808 808 4000 or go to nationaldebtline.org for debt advice and information.

If you live in Northern Ireland, you can get debt advice by calling 0800 915 4604, emailling advice@adviceni.net, or visiting adviceni.net.

If you're self-employed and have a small business, you can get free, confidential advice from Business Debtline. Find out more at businessdebtline.org or call 0800 197 6026.

Member centres offer debt advice, including specialist advice for minority communities and people with disablilities. Find out more at adviceuk.org.uk or call 0300 777 0107.

For advice and information about debt and other topics, visit your local Citizens Advice centre or go to citizensadvice.org.uk.

For free debt advice in your home, check your postcode at capuk.org then call 0800 328 0006.

Any late or missed payments will show on your credit file. This may impact your credit score and make it more difficult or expensive for you to get credit in the future. 

Find out more about your credit file

A Debt Collection Agency (DCA) is a company that collects outstanding balances on behalf of another company. We may send your account to one if you’ve missed several consecutive payments and:

• We’ve not been able to speak to you about your repayment options 
• We’ve not been able to find a repayment solution that suits you

If your account is with a DCA, you should contact them directly to discuss your outstanding balance.  

Find out more about Debt Collection Agencies