How to get a cell phone plan without a credit check

How to get a cell phone plan without a credit check

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Credit scores are usually the last thing people usually think about when they go to sign up for new cell service, or upgrade an existing plan.

However, for anyone with bad credit or a limited credit history getting cell service can be difficult, since many carriers will require a large deposit (use this tool to check) for hundreds or even thousands of dollars which most people simply don’t have to spend on a phone.

It turns out you have choices!

With this guide, I compare the best plans for people with bad credit or no credit, for each of the four major wireless carriers ( Verizon , AT&T, Sprint, and T-mobile).

Despite what customer service will tell you (since they often want you to pay the huge deposit and get locked into a contract plan) there are quite a few options that require no deposit and no credit check.

In most cases you will want to go with a prepaid plan. I think that when people hear “prepaid” they still think of the TracFones from 10 years ago. but most prepaid plans these days support the latest smartphones, including iPhone and Samsung Galaxy.

You could even argue that prepaid plans are better than contract plans in many cases – but more on that below.

You could even argue that prepaid plans are better than contract plans in many cases

Here are the plans I currently recommended if you have bad credit or limited credit.

Table of Contents

Verizon AllSet Prepaid Plans

  • Basic Phones: $35 / month plan that includes unlimited talk and texts and 500mb of data.
  • Smartphones: $45 / month with unlimited talk & text and 1gb of data.
  • Choose from a variety of smartphones including the latest iPhones and Samsung Galaxy phones.
  • You can purchase additional data – pricing varies by plan.
  • Verizon also allows you to bring your own phone.

AT&T GoPhone® Plans

  • Basic Phones: $45 / month with Unlimited nationwide Talk, Text & Data Usage; includes 1. 5GB of Data Usage at speeds up to 3G.
  • Smartphones: $45 / month with Unlimited nationwide Talk, Text & Data Usage; includes 1. 5GB of Data Usage at LTE (high speed).
  • Basic Plan: $35 / month with Unlimited nationwide Talk & Text.
  • If you need additional data you can purchase it in increments of 500mb for $10 if you have the $45/ month plan.
  • Choose from a variety of latest smartphones, including iPhones and Samsung Galaxy and Note phones.

T-Mobile Simply Prepaid

  • All Phones: $40 / month for unlimited data, talk, and text on our network + up to 1GB of 4G LTE
  • All Phones: $50 / month for unlimited data, talk, and text on our network + up to 3GB of 4G LTE
  • All Phones: $60 / month for unlimited data, talk, and text on our network + up to 5GB of 4G LTE
  • New Smartphone Equality program for people with limited credit history or bad credit. Make 12 months of on-time payments and qualify for a new smartphone at the lowest upfront-price.
  • Choose from a variety of the latest smartphones
  • Or choose T-Mobile Simple Choice Plan with No Credit Check – learn how here !

Sprint Prepaid

  • ​All Phones: $35 / month unlimited Talk & Text with 1GB of Data
  • All Phones: $45 / month unlimited Talk & Text with 3GB of Data
  • All Phones: $55 / month unlimited Talk & Text with 6GB of Data
  • Limited variety of smartphones include only older iPhones and Samsung Galaxy phones.
  • No activation fees or hidden fees.

Why is a Prepaid Plan Better?

Prepaid plans don’t require a deposit because the phone isn’t subsidized, meaning that you pay for your phone up front. Phones range from $50 up into the hundreds, depending on what phone you chose.

There are three major advantages to a prepaid plan:

  • First, you don’t have to pay a deposit and can often just buy the phone outright for less than half of the required deposit for a contract plan.
  • Secondly, your monthly bill with a prepaid plan is usually much cheaper ($20 – $30 less per month per line) – simply because you’ve already paid for the phone. *
  • The third major advantage is that you can cancel service or change carriers at any time, since you aren’t locked into a contract.

* Contract plans histarically are more expensive because you are paying off the phone that you *thought* was free. It actually wasn’t free – the cost is just baked into your bill each month. Of course, these calculations may change as providers are moving towards new leasing, early upgrade, and installment payment plans to make the phone cost more transparent.

In conclusion – if you have bad credit or limited credit it’s usually cheaper to just buy the phone outright and go with a prepaid plan. Many people are moving to prepaid and unsubsidized plans regardless of their credit scores, simply because you get more flexibility and many of the plans are just as good as their subsidized counterparts, for half the price.

Looking for a Credit Card with Poor Credit?

If you currently have only limited, poor, or average credit, and are looking for a real credit card, we currently recommend the Milestone® Gold Mastercard® .

This is because the Milestone® Gold Mastercard® allows you to see if you’re pre-qualified before you apply for the card – so you don’t have to risk having your credit pulled, only to be denied a card.

The Milestone® card is a Mastercard® which means that it can still be used on Amazon and at millions of merchants around the world. And your application will be considered even if you have a prior bankruptcy.

Get accepted today

Quick Guide To Mobile Phone DEals With No Credit Check

Most traditional phone contracts perform a credit check before they let you sign up to a new deal and get a new smartphone. This is a huge problem if you’re dealing with bad credit. But don’t fret, this antiquated way of doing things isn’t how we work. Here’s how to get a contract phone with no credit check using No Hassle Mobile Phones.

Guaranteed acceptance

No Hassle Mobile Phones accept all customers. We perform no credit checks whatsoever. All that we ask is that you make a few payments so we can judge your ability to repay.

Flexible Payments

Our Flexible Payment system puts you in control. Struggling with an unexpected bill or a family emergency? You can rest assured that we’ll give you time to get sorted.

latest phones

Are you wanting the latest iPhone XS Max or Samsung Galaxy? No problem. We stock all the latest phones and none of them are subject to a credit check.

Why Choose NoHassleMobilePhones.com?

At No Hassle Mobile Phones we pride ourselves on being able to bring you the latest high end smartphones regardless of your credit history. Unlike a lot of firms we realise that sometimes circumstances really are outside control.

We’ve partnered with the worlds leading mobile manufacturers such as Apple and Samsung and are able to bring you exclusive deals. Do not worry, if you’ve been declined for a contract elsewhere or you are worried about your credit history. We’ll always try our best to find you a deal that is specific to you.

Can I still get a contract phone with no credit even if I have been refused elsewhere?

If you have poor or bad credit, or you have been declined for a mobile contract at one of the other networks like EE or Three, the good news is that we can still help. In fact, even though we accept customers of all backgrounds, all of our deals are designed to help those with bad credit obtain a contract phone.

Of course, everything depends on your particular circumstances – such as your age, your employment, your income and the type of phone you are looking for.

Because we don’t perform any credit checks, we won’t even know if you have been declined elsewhere (such as from a high street shop, a network or even another bad credit mobile specialist), the good news is that we only need to prove you can pay for three months then the phone is yours.

What Are the Requirements?

  • The applicant must be over 18 years old.
  • The applicant must be a resident of the UK.
  • The applicant must have a regular source of income.
  • The applicant must have a standard UK bank account

Contract Phones with No Credit Check – How do they work?

Customers understandably have lots of concerns and uncertainty regarding credit scores and credit checks for mobile phones. Some think certain networks are easier to pass a credit check on, but there is no universal criteria for credit scores, and many people scared of applying for mobile phone contracts in case they are turned down and negatively affect their credit score even more.

An increasing number of consumers are seeking to bypass credit checks all together As such, there has been a growing demand and subsequent market created mobile phone deals that don’t require a check.

However, the problem with most sites offering this service is that they simply cannot offer no credit check deals, That all changed when we launched No Hassle Mobile Phones.

Historically when applying for a phone contract the retailer will perform their own type of credit check to check your suitability. We changed all that when we launched our new service whereby you pay for the phone for 3 months before you receive it. It’s a simple trade – prove you can pay and you’ll receive your phone when we have built a relationship with you.

Apply Online

Secure & confidential 256 bit protection

Instant Approval

Every day we accept 1000’s of applications

Get New Smartphoone in 3 months

Phones are sent after 12 weeks assuming you have not missed a repayment

Get accepted today

Quick Guide To Mobile Phone DEals With No Credit Check

Most traditional phone contracts perform a credit check before they let you sign up to a new deal and get a new smartphone. This is a huge problem if you’re dealing with bad credit. But don’t fret, this antiquated way of doing things isn’t how we work. Here’s how to get a contract phone with no credit check using No Hassle Mobile Phones.

Guaranteed acceptance

No Hassle Mobile Phones accept all customers. We perform no credit checks whatsoever. All that we ask is that you make a few payments so we can judge your ability to repay.

Flexible Payments

Our Flexible Payment system puts you in control. Struggling with an unexpected bill or a family emergency? You can rest assured that we’ll give you time to get sorted.

latest phones

Are you wanting the latest iPhone XS Max or Samsung Galaxy? No problem. We stock all the latest phones and none of them are subject to a credit check.

Why Choose NoHassleMobilePhones.com?

At No Hassle Mobile Phones we pride ourselves on being able to bring you the latest high end smartphones regardless of your credit history. Unlike a lot of firms we realise that sometimes circumstances really are outside control.

We’ve partnered with the worlds leading mobile manufacturers such as Apple and Samsung and are able to bring you exclusive deals. Do not worry, if you’ve been declined for a contract elsewhere or you are worried about your credit history. We’ll always try our best to find you a deal that is specific to you.

Can I still get a contract phone with no credit even if I have been refused elsewhere?

If you have poor or bad credit, or you have been declined for a mobile contract at one of the other networks like EE or Three, the good news is that we can still help. In fact, even though we accept customers of all backgrounds, all of our deals are designed to help those with bad credit obtain a contract phone.

Of course, everything depends on your particular circumstances – such as your age, your employment, your income and the type of phone you are looking for.

Because we don’t perform any credit checks, we won’t even know if you have been declined elsewhere (such as from a high street shop, a network or even another bad credit mobile specialist), the good news is that we only need to prove you can pay for three months then the phone is yours.

What Are the Requirements?

  • The applicant must be over 18 years old.
  • The applicant must be a resident of the UK.
  • The applicant must have a regular source of income.
  • The applicant must have a standard UK bank account

Contract Phones with No Credit Check – How do they work?

Customers understandably have lots of concerns and uncertainty regarding credit scores and credit checks for mobile phones. Some think certain networks are easier to pass a credit check on, but there is no universal criteria for credit scores, and many people scared of applying for mobile phone contracts in case they are turned down and negatively affect their credit score even more.

An increasing number of consumers are seeking to bypass credit checks all together As such, there has been a growing demand and subsequent market created mobile phone deals that don’t require a check.

However, the problem with most sites offering this service is that they simply cannot offer no credit check deals, That all changed when we launched No Hassle Mobile Phones.

Historically when applying for a phone contract the retailer will perform their own type of credit check to check your suitability. We changed all that when we launched our new service whereby you pay for the phone for 3 months before you receive it. It’s a simple trade – prove you can pay and you’ll receive your phone when we have built a relationship with you.

Apply Online

Secure & confidential 256 bit protection

Instant Approval

Every day we accept 1000’s of applications

Get New Smartphoone in 3 months

Phones are sent after 12 weeks assuming you have not missed a repayment

In today’s economy, having credit extended is more difficult than ever. When a company extends credit to its customers, it is crucial to the business to know how this customer handles their bills historically and to determine if this customer is low or high risk to their business.

Credit checks are used to assist the company in determining how their potential customer has handled their finances in the past. Most large companies have a credit department that will verify the information provided using your social security number, name, address, etc.

Things that will prevent you from getting credit include but are not limited to, poor payment history, accounts that have gone to collections, over extension of credit and inaccurate information including deliberate omissions on your credit application.

Why does credit matter if I only want a monthly plan?

When a customer signs up for cell phone service, the provider is giving that customer unlimited access to using their service. Customers can accrue extremely large bills in a very short period of time simply by using their phone for roaming, international calling, data transfers, downloaded ring tones, games, software applications, overuse of allotted minutes and excessive messaging if not covered in their plan.

All of these charges are paid by or absorbed by the carrier regardless if their customer pays their bill or not.

The potential for loss from a business standpoint is high and therefore credit will not be extended to those who do not meet the criteria set forth by the individual credit department.

Options for getting service with less than perfect credit:

Use a service that does not require a credit check. Wirelesswithout.com lets you use a plan with a major provider with a valid credit card.

Pay a pre-determined security deposit per line to the company of your choice. Most deposits range from $150.00 to $1,000.00 per line and generally will be refunded after one year only if the account is kept in good standing with no late payments or suspensions of service from non- payment. If your account is not in good credit standing, this deposit can be held as long as you have service with your company.

Consider using pre-paid cellular service. There are many options available for this type of service and since minutes are paid in advance, no credit check is necessary. Be sure and do your homework to find the one that best suits your individual needs.

Get a co-signer. Many companies will allow a co-signer to co-own your account with you using their credit for approval. There are some companies that do not allow co-signers but will put the account in another person’s name. You can be authorized to access and make changes to the account with the account holder’s permission. This avenue will in no way allow you as an authorized user to establish credit with that company or have your good payment history reported to the credit bureaus as the account itself is not in your name.

Get A Cell Phone Plan Without A Credit Check

In today’s economy, having credit extended is more difficult than ever. When a company extends credit to its customers, it is crucial to the business to know how this customer handles their bills historically and to determine if this customer is low or high risk to their business. Carriers want to prevent you from racking up a huge bill and not paying it off. To this end, many major cell phone companies will check your credit before selling you a plan to evaluate your financial responsibility and ability to pay each month. If you have bad or no credit history, you may have to jump through some extra hoops, but there are still ways to get a cell phone plan.

  • Understand why credit checks are done. Credit checks are used to assist a company in determining how a potential customer has handled their finances in the past. Most large companies have a credit department that will verify the information provided using your social security number, name, address, etc. through a credit reporting agency.
  • Pay a security deposit. Many carriers allow people with no credit history to get a cell phone plan if they pay a deposit first. Deposit amounts will vary based on the carrier and your credit score, Most deposits range from $150.00 to $1,000.00 per line. Most carriers will refund your deposit after a year if you’ve paid your bill regularly and on time.
  • Get a co-signer. Similar to getting a loan with no credit, you can get a cell phone plan with no credit if you have a co-signer to vouch for your trustworthiness. Just make sure your co-signer has a good credit score, or you won’t get approved for the plan. If you fail to pay your phone bill, your co-signer will be held responsible.
  • Become an authorized user. Some credit card companies will allow someone, such as your spouse or parent, to authorize you to use their card. The other party would be obligated to pay off the charges, but your credit score will benefit from on-time payments and credit history just as much as theirs. On the other hand, if the other person doesn’t use their credit responsibly, your credit will take a hit as well. This option doesn’t allow you to immediately establish good standing with the cell phone company, but it could help you develop good credit relatively quickly.

Latest Deals

  • About this plan
  • Cost breakdown
  • Phones Available
  • Data
  • Messages
  • Rates
Highlights

About this Cell Phone Plan

The T-Mobile No Credit Check Plan is cell phone plan meant for individuals or families and offered by T-Mobile. The plan does not require a credit check, and offers customers unlimited talk, unlimited text, and 10GB of 4G LTE data per line, per month. Even after you reach 10GB of 4G LTE data, you still get unlimited data at 3G speeds. The T-Mobile No Credit Check Plan is a no contract plan.

The T-Mobile No Credit Check Plan streams video 480p resolution (DVD quality).

This plan is great for an individual, but it’s also great for families. Pricing for the T-Mobile No Credit Check Plan is as follows:

  • Line 1: $50 per month
  • Line 2: $30 per month ($80/month total for 2 lines)
  • Line 3: $20 per month ($100/month total for 3 lines)
  • ​Line 4: $20 per month ($120/month total for 4 lines)
  • ​Line 5: $20 per month ($140/month total for 5 lines)

This plan has no credit check, but requires a deposit. Deposit amounts are:

  • Line 1: $50
  • Line 2: $30
  • Lines 3–5: $20 per line

Mobile Hotspot

This plan includes mobile hotspot up to your data limits (10GB 4G LTE data, then unlimited 3G data).

International Options

Optionally, get unlimited calls to and from the United States, Canada, and Mexico, plus up to 5GB of 4G LTE data when visiting those countries for $10 per month.

Phone Options

There are two options regarding your smartphone on this plan:

  • Bring Your Own Phone (BYOP). Customers can bring their own T-Mobile/GSM compatible phone, as long as it is unlocked.
  • Buy a Phone Outright. Customers can buy a new or used phone from T-Mobile with one upfront payment.

Advantages

Free In-flight Text Messaging

T-Mobile customers get free 1 hour of in-flight text messaging per month through Gogo Air.

WiFi Calling and Texting

T-Mobile offers the ability to make calls or send text messages over WiFi anywhere in the world.

Smartphone Equality

When customers pay on-time for 12 consecutive months, they can get a new device for $0 down, without a credit check. Customers also get access to more plans, also without a credit check.

Stateside International Talk

With the $15/month optional Stateside International Talk Add-on, customers get all these features when they call or text from the U.S., Mexico, and Canada:

  • Unlimited calling to landlines in 70+ countries and to mobile numbers in 30+ countries
  • Unlimited texting to virtually anywhere* at no extra charge
  • Discounted calling rates to all numbers in 200+ countries

Additional Extras

This plan also includes the following features:

  • Wi-Fi Calling
  • Call forwarding
  • Visual voice mail
  • Caller ID
  • Call waiting
  • Conference calling
Cost Breakdown in Detail Monthly
Base Plan $ 50.00
Messages Cost $0.00
Data Cost $0.00
Grand Total $50.00

*Other fees based on usage may apply, including early termination fees and a one time activation fee of $0.00.

Get information about T-Mobile No Credit Check plan with Apple iPhone X. The Apple iPhone X is compatible with T-Mobile No Credit Check plan on the T-Mobile network. Check out pricing options and plan details for the Apple iPhone X on T-Mobile No Credit Check plan including upgrade information, financing options, plan details, phone pricing, contract length, and more at Wirefly.

Latest Deals

  • About this plan
  • Cost breakdown
  • Phones Available
  • Data
  • Messages
  • Rates
Highlights

About this Cell Phone Plan

The T-Mobile No Credit Check Plan is cell phone plan meant for individuals or families and offered by T-Mobile. The plan does not require a credit check, and offers customers unlimited talk, unlimited text, and 10GB of 4G LTE data per line, per month. Even after you reach 10GB of 4G LTE data, you still get unlimited data at 3G speeds. The T-Mobile No Credit Check Plan is a no contract plan.

The T-Mobile No Credit Check Plan streams video 480p resolution (DVD quality).

This plan is great for an individual, but it’s also great for families. Pricing for the T-Mobile No Credit Check Plan is as follows:

  • Line 1: $50 per month
  • Line 2: $30 per month ($80/month total for 2 lines)
  • Line 3: $20 per month ($100/month total for 3 lines)
  • ​Line 4: $20 per month ($120/month total for 4 lines)
  • ​Line 5: $20 per month ($140/month total for 5 lines)

This plan has no credit check, but requires a deposit. Deposit amounts are:

  • Line 1: $50
  • Line 2: $30
  • Lines 3–5: $20 per line

Mobile Hotspot

This plan includes mobile hotspot up to your data limits (10GB 4G LTE data, then unlimited 3G data).

International Options

Optionally, get unlimited calls to and from the United States, Canada, and Mexico, plus up to 5GB of 4G LTE data when visiting those countries for $10 per month.

Phone Options

There are two options regarding your smartphone on this plan:

  • Bring Your Own Phone (BYOP). Customers can bring their own T-Mobile/GSM compatible phone, as long as it is unlocked.
  • Buy a Phone Outright. Customers can buy a new or used phone from T-Mobile with one upfront payment.

Advantages

Free In-flight Text Messaging

T-Mobile customers get free 1 hour of in-flight text messaging per month through Gogo Air.

WiFi Calling and Texting

T-Mobile offers the ability to make calls or send text messages over WiFi anywhere in the world.

Smartphone Equality

When customers pay on-time for 12 consecutive months, they can get a new device for $0 down, without a credit check. Customers also get access to more plans, also without a credit check.

Stateside International Talk

With the $15/month optional Stateside International Talk Add-on, customers get all these features when they call or text from the U.S., Mexico, and Canada:

  • Unlimited calling to landlines in 70+ countries and to mobile numbers in 30+ countries
  • Unlimited texting to virtually anywhere* at no extra charge
  • Discounted calling rates to all numbers in 200+ countries

Additional Extras

This plan also includes the following features:

  • Wi-Fi Calling
  • Call forwarding
  • Visual voice mail
  • Caller ID
  • Call waiting
  • Conference calling
Cost Breakdown in Detail Monthly
Base Plan $ 50.00
Messages Cost $0.00
Data Cost $0.00
Grand Total $50

*Other fees based on usage may apply, including early termination fees and a one time activation fee of $0.00.

Get information about T-Mobile No Credit Check plan with Apple iPhone X. The Apple iPhone X is compatible with T-Mobile No Credit Check plan on the T-Mobile network. Check out pricing options and plan details for the Apple iPhone X on T-Mobile No Credit Check plan including upgrade information, financing options, plan details, phone pricing, contract length, and more at Wirefly.

Latest Deals

  • About this plan
  • Cost breakdown
  • Phones Available
  • Data
  • Messages
  • Rates
Highlights

About this Cell Phone Plan

The T-Mobile No Credit Check Plan is cell phone plan meant for individuals or families and offered by T-Mobile. The plan does not require a credit check, and offers customers unlimited talk, unlimited text, and 10GB of 4G LTE data per line, per month. Even after you reach 10GB of 4G LTE data, you still get unlimited data at 3G speeds. The T-Mobile No Credit Check Plan is a no contract plan.

The T-Mobile No Credit Check Plan streams video 480p resolution (DVD quality).

This plan is great for an individual, but it’s also great for families. Pricing for the T-Mobile No Credit Check Plan is as follows:

  • Line 1: $50 per month
  • Line 2: $30 per month ($80/month total for 2 lines)
  • Line 3: $20 per month ($100/month total for 3 lines)
  • ​Line 4: $20 per month ($120/month total for 4 lines)
  • ​Line 5: $20 per month ($140/month total for 5 lines)

This plan has no credit check, but requires a deposit. Deposit amounts are:

  • Line 1: $50
  • Line 2: $30
  • Lines 3–5: $20 per line

Mobile Hotspot

This plan includes mobile hotspot up to your data limits (10GB 4G LTE data, then unlimited 3G data).

International Options

Optionally, get unlimited calls to and from the United States, Canada, and Mexico, plus up to 5GB of 4G LTE data when visiting those countries for $10 per month.

Phone Options

There are two options regarding your smartphone on this plan:

  • Bring Your Own Phone (BYOP). Customers can bring their own T-Mobile/GSM compatible phone, as long as it is unlocked.
  • Buy a Phone Outright. Customers can buy a new or used phone from T-Mobile with one upfront payment.

Advantages

Free In-flight Text Messaging

T-Mobile customers get free 1 hour of in-flight text messaging per month through Gogo Air.

WiFi Calling and Texting

T-Mobile offers the ability to make calls or send text messages over WiFi anywhere in the world.

Smartphone Equality

When customers pay on-time for 12 consecutive months, they can get a new device for $0 down, without a credit check. Customers also get access to more plans, also without a credit check.

Stateside International Talk

With the $15/month optional Stateside International Talk Add-on, customers get all these features when they call or text from the U.S., Mexico, and Canada:

  • Unlimited calling to landlines in 70+ countries and to mobile numbers in 30+ countries
  • Unlimited texting to virtually anywhere* at no extra charge
  • Discounted calling rates to all numbers in 200+ countries

Additional Extras

This plan also includes the following features:

  • Wi-Fi Calling
  • Call forwarding
  • Visual voice mail
  • Caller ID
  • Call waiting
  • Conference calling
Cost Breakdown in Detail Monthly
Base Plan $ 50.00
Messages Cost $0.00
Data Cost $0.00
Grand Total $50

*Other fees based on usage may apply, including early termination fees and a one time activation fee of $0.00.