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Apparently you don't?!
iPhone 5 users updating from their devices are required to first install an "updater" application to fix a bug that would otherwise prevent over-the-air updates. Once the updater has been applied users can download iOS 6.0.1 from their devices.
You select financing at the till and they'll forward your details to Barclays and they'll send you an e-mail confirming in a few days if it's been accepted or not, then Barclays have you print out the contract and send it to them.
I initially was going to do that but ended up doing it cash as...