Mobile Contracts with no Credit Checks

It used to be impossible to get one of the latest contract mobile phones without a stellar credit score, but things are changing and there are more and more options available to consumers.

There are two ways that you can get your hands on one of the latest contract phones without having to go through a credit check process.

SIM Only Deals

SIM only deals are becoming a very popular choice for people who don't want to be tied to expensive contracts for 48 months and that also require a good credit history.

SIM only deals mean you are only signing up to get a contract SIM card account (no free handset). In 2020, SIM only deals made up 24% of all mobile contracts. Some of them start at just £10 a month. However, you will need to source the phone of your dreams on your own.

If you can't afford the very latest iPhone, you could try and get a second hand one from one of the many online marketplaces or auction sites.

Mobile Networks don't package second hand phones with their contracts

SIM only deals are much cheaper than mobile contracts but they do still cost a fair penny, because you have to source the phone yourself.

Use a no credit check broker website

There are lots of websites on the web that promise to get you accepted for the latest smartphone deals with 100% approval, no matter what the outcome of the credit checks are and most importantly no upfront payments.

You just have to pop your details into one of these sites, such as Mega Mobile Deals and select the phone you want and they try and secure you a deal from their list of major UK networks.

These companies have exclusive deals with networks and brokers so you don't have to go direct. However, you may have to pay a bit of a premium to get the dream phone you are after.

One thing to look out for on those sites, is that they show you deals with major networks such as Vodafone, BT, O2, Three, EE, Tesco Mobile and so on.

Look for deals from Mobile Networks that sell unlocked phones

Another great tip is to make sure you give special attention to the deals from the following networks, O2, Sky, Three and Virgin because all their handsets are unlocked, which means that when your contract is up, you can easily switch your network provider by signing up for a SIM only deal.

From December 2021 all UK's mobile networks will be forbidden by law from selling phones locked to their services. Until then, buy smart!

Use lesser known mobile network operators

The four major mobile networks in the UK - EE, O2, Three and Vodafone will mostly run hard credit checks when you apply for a new contract and even on some SIM free deals too. You could swerve these tough credit checks by looking at deals from lesser known mobile networks who piggyback off the major networks.

Lebara

Lebara operates on the Vodafone mobile network, and when customers apply for a sim-only contract, they are not subjected to credit checks.

The contracts are designed to last for 30 days and automatically renew, allowing customers to cancel with 30 days' notice without incurring any exit fees.

GifGaff

GiffGaff operates on O2's network, and individuals interested in acquiring a new sim-only plan will not undergo a credit check. All plans are offered on a 30-day rolling contract, allowing customers to cancel anytime without incurring additional charges.

Smarty

Smarty operates on Three's mobile network, ensuring reliable connectivity for its customers. When signing up for a new SIM-only deal with Smarty, there is no requirement for credit checks.

Lyca Mobile

Similar to other smaller networks, Lyca Mobile's sim-only plans operate on a flexible prepaid model. Consequently, customers are not required to undergo any credit check during the registration process.

Improve your credit score

Bit obvious this one but well worth trying to do because it will help you in so many other ways aside from just getting good mobile phone contracts.

There are many sites that can tell you what your credit score is and also Boost to Your Credit Score for FREE.

Examining your credit score provides you with a distinct perspective on how the financial world perceives you when you submit applications.

It's is also helpful for managing expectations and will minimize the unpleasant surprise of credit rejection if you already know how lenders perceive your financial status profile prior to submitting an application.

These credit score services will give you valuable pointers on how to repair your credit score and as you enhance your financial appeal, your likelihood of obtaining credit at reduced rates improves a lot.