I was going to buy the new Samsung S22 but Samsung website keeps declining all checkout options. Firstly, PayPal credit with monthly payment set at £28 per month. No luck! So I tried Samsung finance with a down-payment of £600 and monthly payment of £35 a month for one year. Still not approved by Samsung. So it seems that Samsung will leave you no choice but to pay the phone one off. Gosh! What a great way to entice your customers pretending that you offer affordable payment schemes. You just gave me another reason why I shouldn't get this S22. So many gimiks and promotion but they're just lies.