Samsung offer Samsung Flex.
Networks offer 12, 24 or even 36 month contracts to spread the cost.
I'm not a fan of Cash Converters myself.
Not sure what the Labour Party has to do with buying a mobile phone. We have a Conservative Party in power currently but ultimately credit scores are our own responsibility (I won't be replying to ongoing political comments in this thread).
I am not employed by Samsung nor do I receive any remuneration as a Samsung Members Star.
My device is an S25 Ultra.