most retail offers HP through 3rd party anyway... and yes Vodafone has RFS as their financing provider.
Not hard to get HP, all you need is two forms of ID, driver and/or passport, and 30mins, sometimes a bank statement with your recent address will help the application getting approved quicker.
I have had 2 HP with Vodafone both with RFS, and fully paid off in 12months.. quick and easy... hehe... I'll do HP again for next phone when it hits vodafone NZ, I'm looking at the T-Mobile MDA-IV, or VDA-IV.....
yeah it incur interest. but sometimes you just cant afford the whole unit in one payment. i only HP for 12 months. which wont incur too much interest. and since i know i can pay it off before 12months. The two HPs that i had, i paid in ful in about 9 or 10 months, and get reimbursed with interested that otherwise i have to pay.
the longest HP (or leasing) is my current laptop, 24 months but at the end of 24 months i get to own it or transfer my lease to new lease. pretty cool :-)
beside, the more good HP you had the better your credit is, as each credit company will know you will pay up as requested and they will rate your credit on A.
Nowaday, if i want to get a lease or HP i wont have too much trouble at all, i have profile at 3 major HP companies, RFS, flexiRent, and FinanceNow, I want to get on Pacific Retail Finance.