Are There Any 24 Month Phone Payment Schemes That Dont Include a Usage Plan

Interested in getting a new mobile phone (S10+), but spreading the cost over 24 months.

The plans I have seen so far, don't appear to be too appealing (as yet).

Are there any 'plans' that just give you a phone, but let you get a decent phone usage plan elsewhere?

I looked at HN interest free, but there are setup fee's and monthly management fee's, so you are still paying 'interest' - they just call it something else.