If you’re having trouble getting a pay monthly phone deal with a network due to bad credit or no credit history at all, you can always get a SIM without having to undergo a credit check. Most mobile virtual network operators don’t ask for a credit check, and all the major networks offer tariffs that don’t require credit checks. Some of these deals offer great value for money, plus you’re not locked into a contract so you can cancel, upgrade or downgrade your plan anytime.
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Networks with No Credit Checks
You can purchase any VOXI plan without having to undergo a credit check. VOXI works on a prepaid basis just like SMARTY, giffgaff and many other MVNOs. Since you’re not tied into a contract, you are completely free to leave when you want.
What makes VOXI unique is the network’s ‘Endless Social Media’ feature. VOXI customers can use Snapchat, Instagram, WhatsApp, Facebook, Twitter, Pinterest, and Facebook Messenger without burning through their data. VOXI is using Vodafone as its network provider and they even offer a 5G price plan! To learn more about the operator’s endless social media and other great perks you can read our VOXI Review.
|Minutes & Text||Data||Price|
|Unlimited||12GB (Limited Time Offer!)||£10.00|
|Unlimited||15GB (5G Ready)||£15.00|
|Unlimited||45GB (5G Ready)||£20.00|
|Unlimited||Unlimited (5G Ready)||£35.00|
SMARTY wants to make sure it’s easy for anyone to get a SIM only contract by doing no credit checks. The carrier works by customers paying for 30-day rolling SIM plans upfront with a credit or debit card. SMARTY’s tariffs start at £6 per month for 1GB of data, and all SMARTY no credit check SIM deals come with unlimited minutes & texts.
SMARTY is a mobile virtual network powered by Three, so the network offers decent countrywide 3G & 4G coverage. They will also provide 5G coverage at one point in the near future. SMARTY stands out with its super competitive prices including one of the cheapest unlimited data plans in the UK. If you are on one of the data discount plans of SMARTY, you’ll get your money back for the data which you don’t use in the month. If you’re interested make sure to read our SMARTY Review too!
Data Discount Plans
|All SMARTY tariffs come with unlimited minutes & texts.
All the Data You Need for Less
|100GB (Was 50GB)||£15.00|
|All SMARTY tariffs come with unlimited minutes & texts.
If you’re looking for a variety of cheap price plans with no credit checks, then you should most certainly check out giffgaff. Piggybacking off O2’s infrastructure, giffgaff’s 3G & 4G coverage in the UK is quite reliable. Plus the carrier is offering a unique flexibility with their ‘goodybags’ and PAYG options. The data in each goodybag lasts for 30 calendar days and if you run out of data before your 30 days are up, you can get a new goodybag right away.
The network also has a very active online community, and they’re really helpful with any question you might have. On top of that, you can earn reward points for helping others on giffgaff’s online community forums. Want to discover more about giffgaff? We strongly recommend you to have a look at our detailed giffgaff Review.
|Speed restrictions apply to Always On data. After 80 GB of data usage, your data speeds will be reduced to 384kbps from 8am to Midnight.|
Speed restrictions apply to Always On data. After 80 GB of data usage, your data speeds will be reduced to 384kbps from 8am to Midnight.
iD Mobile offers some of the most wallet friendly contract SIM only deals, but if you have bad credit there’s always a chance you might get declined. However, the low-cost network also proposes PAYG value bundles and there is no need for a credit check to be undertaken when you apply for them.
The network actually belongs to Carphone Warehouse, and it’s one of the few MVNOs which offer Wi-Fi Calling & 4G Calling. Sadly, iD Mobile’s pay as you go customers don’t get to benefit from these perks. Check out our iD Mobile Review and see what else is included in their PAYG deals.
iD Mobile’s PAYG Value Bundles
|All iD Mobile Value Bundles come with unlimited texts.
Tesco’s pay monthly deals are all long term contracts which require credit checks, but thankfully the carrier also offers PAYG deals with no credit checks called ‘Rocket Packs’. These are bundles of set amounts of data that come with 5000 minutes & texts. Each Rocket Pack lasts one month.
Alternatively, you can use Tesco Mobile as a traditional PAYG network. Tesco will even give triple credit when you top-up £10, £15 or £20 in one go. Triple credit lasts for a month from when you top-up.
Tesco Mobile’s PAYG customers get decent 3G & 4G coverage across the UK thanks to O2’s network. The mobile provider also offers 5G data speeds, but they’re exclusive to pay monthly deals. You can read our Tesco Mobile Review to discover more.
Tesco Mobile’s Rocket Packs
|Minutes & Text||Data||Price|
|5000 Minutes & Texts||4GB||£10.00|
|5000 Minutes & Texts||8GB||£15.00|
|5000 Minutes & Texts||16GB||£20.00|
Thousands of free Wi-Fi hotspots, great features & extras like ‘Priority’ make O2 a very desirable network. They are also the second largest carrier in the UK, having said that, their credit checks are a bit harder to pass than most other operators’.
Given O2’s benefits, we understand why you’d want to be on O2 one way or the other. You’ll be glad to hear that O2 offers PAYG bundles that require no credit checks. Plus, you get one of the best data rollover perks with O2. Just don’t forget to renew your pack within seven days and stay on the same bundle if you want to keep your rolled over data.
You can also claim £10 free credit when you order a PAYG sim on a £5, £10, £15, £20 or £30 Big Bundle from O2’s online store and activate it by topping up with £10 credit. Read our O2 Review to learn what else you might be able to claim, if you sign up for O2 Priority.
O2’s Big Value Bundles
|O2 Big Bundle||Unlimited||Unlimited||No Data||£5|
|O2 Big Bundle||Unlimited||Unlimited||3GB||£10|
|O2 Big Bundle||Unlimited||Unlimited||6GB||£15|
|O2 Big Bundle||Unlimited||Unlimited||10GB||£20|
|O2 Big Bundle||Unlimited||Unlimited||20GB||£30|
The UK’s largest mobile network also comes with a great variety of no credit check SIM only deals. You can either get a PAYG pack or purchase a Flex Plan and enjoy the fastest 4G data speeds & the best network coverage in the UK. You can even use EE’s PAYG services in a traditional sense at 35/p minute and 15p/text.
EE’s PAYG packs offer greater value per money than Flex Plans. While both options come with a data rollover feature and free data boosts, PAYG packs give you unlimited minutes and significantly more data allowance. You can also get a friend to buy an eligible PAYG pack using your unique referral link and you’ll both get a £10 Amazon.co.uk Gift Card.
EE has many other great features like Swappable Benefits, 5G coverage, 4G Calling & Wi-Fi Calling and many more, but unfortunately neither PAYG nor Flex plans offer these. To learn what makes EE the best network operator in the UK (that is of course in terms of coverage and data speeds) read our EE Review.
EE PAYG Packs
|Minutes & Texts||DATA||PRICE|
|100 Mins/ Unlimited Texts||8GB||£10.00|
EE Flex Plans
|All EE Flex plans come with unlimited texts.|
If you want to get a Vodafone SIM, but don’t want to bother with credit checks for whatever reason, the network offers a traditional PAYG service alongside with 5 PAYG bundles. Two of these come with 5G data speeds, but they’re also pricier than pretty much all the other deals we shared in the article.
Vodafone’s regular PAYG bundles aren’t the cheapest either, but they offer good value in terms of PAYG deals and are competitive enough. You also get a second chance to use your left over data from the month before. You can discover more about the carrier by reading our Vodafone Review.
Vodafone PAYG Bundles
Vodafone PAYG Bundles No Credit Check
|Minutes & Texts||Data||Price|
|All Vodafone PAYG bundles come with unlimited texts.
Superdrug Mobile offers four different types of deals and they’re all monthly rolling plans with no credit checks. You can simply get a SIM from one of their stores or order it online and start using it. The network proposes one of the cheapest unlimited data deals available, plus you get double Health & Beautycard points on all your Superdrug shopping.
Powered by the Three Network, Superdrug offers you countrywide 3G & 4G coverage and gets the basics right. You also get the cost of your first month’s plan back in Beautycard points when you start using your SIM. You can skim over our Superdrug Mobile Review to discover what other benefits you might get if you sign up for the network.
Superdrug Mobile’s Plans
|Minutes & Text||Data||Price|
If you’re on a tight budget, or you just don’t use your phone that often 1p Mobile might be the best choice for you. There are no contracts, no bundles, packs or anything similar on 1p Mobile. Just one simple PAYG tariff with 1p a minute, 1p a text and 1p a MB. Plus you don’t have to top-up for a whole year if you top-up over £30 in one go.
Networks Without Credit Checks
Popular UK networks like Sky Mobile, BT Mobile, Virgin Mobile and a few others unfortunately don’t offer any type of PAYG or monthly rolling SIM only plans, therefore they have to do credit checks to stay on the safe side.
However, if you’d like to read and learn more about what they offer you can read our extensive reviews!
Frequently Asked Questions
How do no credit check SIMs work?
When purchasing a SIM only contract through a mobile network, you most likely will have to undergo a credit check. The reason networks have credit checks when purchasing SIMs is to cover them in case a customer with a poor credit history racks up a large bill and then fails to pay.
However, several networks in the UK have realised there are a large number of consumers looking for a deal with poor credit history. By paying for a SIM plan up front customers can avoid a credit check as it covers off the risk for the network.
This works in a similar way as a PAYG plan works but being in the form of a SIM only plan that is rolling over every month means you get much better value for your data, minutes and texts.
If I pay up front can I avoid credit checks?
Yes and no. This depends on which network you wish to sign up for. Some will allow you to get a pay monthly deal without credit checks, but major mobile networks don’t tend to do that.
Why have I failed the credit check for a phone or a SIM only deal?
There can be multiple reasons, but first thing that comes to mind is missing payments on existing credit arrangements or unpaid bills in the past. These will affect your credit score in a negative way and lower it.
Can I do a credit check on myself? If so how?
Yes, you can and it’s actually recommended to do so. You have a legal right to all the information companies hold on you. Experian and Equifax will check your credit score for free and report it to you.
Not just for bad credit customers!
These plans are designed for everyone and not targeted specifically at individuals with poor credit. They offer great value and are effectively 30 day or 1 month plans that work on a rolling basis.
Customers can fail a credit check for a number of reasons, not just a poor credit rating. It could also be if you are under 18 or if you have recently moved to the UK.
These plans are great if you’re looking for flexibility. You aren’t tied down into a plan and can leave whenever you want and take advantage of any offers available with a different mobile network. As you’re on a monthly deal, if you suddenly need to use more data or don’t need a contract for a period of time you can easily transfer to a higher data usage plan or not renew your bundle.