You don't have to pay for a phone all at once. At Fone4U you can spread the cost in three ways: the Christmas Club (reserve in store from €20, with no credit checks and no interest) or Humm or Klarna at the online checkout.
They work very differently. The Christmas Club lets you lock in today's price and pay whatever suits you, but you do it in store and collect once the phone is fully paid. Humm and Klarna are online payment options from outside companies, with their own approval process and terms. This guide explains each one so you can choose the right fit.
The Christmas Club: reserve from €20
The Christmas Club is run by Fone4U in the store. Here's how it works:
- Choose and reserve. Pick any phone in one of our shops and pay a deposit of €20 or more. We lock in the price and give you your Christmas Club receipt.
- Pay as you like. Pop in whenever suits you and pay any amount, by cash or card. Every payment gets a new printed receipt showing what's left.
- Collect before Christmas. Once it's fully paid, give us a week's notice and collect your phone, checked and ready, with its full warranty.
The rules are simple:
- Your price is locked from the day you reserve.
- There are no credit checks and no interest.
- The deposit is non-refundable because it secures the phone and the price.
- Deposits and payments are made in store only, not online.
- The last day to collect before Christmas is Tuesday, 23 December.
Humm and Klarna: pay at the online checkout
Humm and Klarna are available when you order on fone4u.ie. They are separate companies, so approval and terms are set by them, not by Fone4U. Before you choose either one, check these on the provider's own page:
- Whether they run a credit check
- Whether there is any interest or any fees
- How much each payment is and when it's due
- What happens if you miss a payment
We've written a separate guide on whether Humm is worth it and a step-by-step guide to buying an iPhone with Humm.
Side by side
| Christmas Club | Humm. | Klarna | |
|---|---|---|---|
| Where | In store (Bray, Ballina, Sligo) | Online checkout | Online checkout |
| Upfront cost | Deposit from €20 | Set by Humm | Set by Klarna |
| Credit check | No | Check Humm's terms | Check Klarna's terms |
| Interest | No | Check Humm's terms | Check Klarna's terms |
| How you pay | Any amount, any time, cash or card | A schedule set by Humm | A schedule set by Klarna |
| Price locked? | Yes, from the day you reserve | Price at checkout | Price at checkout |
| Deposit refundable? | No | Not applicable | Not applicable |
| Last collection | Tuesday 23 December | When your order is complete | When your order is complete |
Which one should you choose?
Choose the Christmas Club if:
- You want to lock in a price now and pay at your own pace
- You'd rather not do a credit check or pay interest
- You're happy to visit a shop to pay
- You'll collect by 23 December
Choose Humm or Klarna if:
- You want to order online
- You want the phone straight away rather than waiting until it's paid off
- You're comfortable with the provider's terms and repayment schedule
Choose to pay in full if:
- You have the money, because it's the simplest option and there are no repayments to track
Whichever you pick, only commit to payments you can comfortably afford.
What a Christmas Club plan could look like
There's no fixed plan, so you choose your own amounts. As an example, if you reserve in the first week of November and finish paying by Tuesday, 16 December, that's about six weeks. Collecting needs a week's notice, so aim to finish paying by 16 December to collect on 23 December.
These figures are examples at current prices, not fixed payments:
| Phone | Price | Deposit | Left to pay | About per week over 6 weeks |
|---|---|---|---|---|
| iPhone 13 | €299.99 | €20 | €279.99 | €47 |
| iPhone 15 | €459.99 | €20 | €439.99 | €73 |
| iPhone 15 Pro | €579.99 | €20 | €559.99 | €93 |
Check the product page for the current price before you reserve. Browse the iPhone range or see all phones.
Common questions about warranty and returns
A phone you buy through any of these options has the same warranty as every other Fone4U phone, up to 18 months on refurbished phones. With the Christmas Club, the warranty starts the day you collect. For returns on online orders, see the returns policy.
Reserve in one of our shops.
Visit any of our three shops to start your Christmas Club. We'll set it up in a few minutes.
- Bray: 27 Main St, Bray, Co. Wicklow
- Ballina: Tolan St, Ballina, Co. Mayo
- Sligo: 19 Grattan St, Sligo
Opening hours are Monday to Saturday 9.30am to 6.30pm and Sunday 12pm to 6pm. You can also message us on WhatsApp with any questions.
Frequently Asked Questions
How much do I need to join the Christmas Club?
A deposit of €20 or more, paid in any Fone4U shop. That reserves your phone and locks in the price.
Is there interest in the Christmas Club?
No. There are no credit checks and no interest.
Can I join the Christmas Club online?
No. Deposits and payments are made in store, by cash or card.
Is the Christmas Club deposit refundable?
No. The deposit secures your phone and the price, so it can't be refunded.
Can I put any phone in the Christmas Club?
Any phone in our shops can go in the Christmas Club.
When do I collect my phone?
Once it's fully paid, give us a week's notice so it's checked and ready. The last day to collect before Christmas is Tuesday 23 December.
Can I pay with Humm or Klarna instead?
Yes. Both are available at the online checkout. They are run by Humm and Klarna, so check their terms before you choose.
Start your Christmas Club.
Reserve your phone from €20 and take the pressure off Christmas. Read the full details on the Christmas Club page, or call into your nearest shop in Bray, Ballina, or Sligo.
