Is not cheaper, this is crazy to pay lot of money for this phone, maybe it's made from gold? Pay lot of money for nothing...
Loaning a phone what a stupid idea £45 a month they must be mad u can get the phone for free with 45 a month on 24 month contract
It's only worth it on cars
If you can afford to pay £55pm, you may as well get a proper contract, at least you own the handset and can sell it if you get bored of it