Read online that in the US, the loan company performs a hard credit check on you to see if you're eligible to take a loan out for an iPhone. As the UK uses Barclays, is the credit check the same? Can't see online but hoping it's a soft one - my brothers 6 Plus is on its way out and he doesn't wanna be tied into a contract/buy the phone outright. Also, at least in the US, it says you need a CC? Is this the same for the UK?