Mobile contract with loan


I am looking at getting a new device via o2 or sky mobile. The package includes the device with a data plan. The device is paid for via an interest free loan and the data package is paid via monthly payment (like any other mobile contract). There is a late payment fee attached to the plan, would this be halal?

Here are the links to their website if it will be useful

Salams, anyone had a chance to look at this? jazakAllah khair