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So if you have bad credit but already have a phone, you would stand a good chance of getting a new phone contract by taking out a SIM contract. Again, this should not be considered as a guaranteed phone contract but because no actual phone is included as part of the contract there is a much greater likelihood of being accepted for the contract.

Guaranteed Phone Contracts

If you have had bad credit in the past or you have previously had a mobile phone contract application declined then you would benefit from taking out a bad credit contract this could be a phone contract deal or SIM only. This is a deal where a higher percentage of applicants will pass a credit check and could apply to people in the following circumstances:. Inevitably many people will go through a period when finances are tight and their credit rating has taken a turn for the worse, but this should not stop you from applying for a phone contract.

Mobile phones are such an integral part of modern life that it is a necessity that most cannot do without. Some of the more expensive phones such as the latest iPhone 9 or iPhone X will be subject to fairly stringent credit checks but there are a number of phones that are considered mid-range phones that would be achievable on a contract even for people with a bad credit status.

You should not be expecting to get a guaranteed phone contract if you have bad credit.


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If applying on a bad credit basis you should expect the free phone that is included as part of the deal to be one of the mid-range types of mobile rather than at the very top of the range. If you want to get a better mobile deal then you would need to opt for a contract that involves a credit check so it is worth being realistic and choosing a contract from a provider that is known to have easier credit checks to pass or opt for a deal that includes a less expensive mobile so you counter this by getting better terms on your free minutes, free texts and free Internet allowance.

Our data suggests that of the major phone networks in the UK, Virgin Mobile, EE and Three are the two networks that consider people with bad credit when applying for a contract. Although, better deals are often to be had with online phone shops such as e2save or The Smartphone Company rather than applying for a contract direct with the network. You could potentially apply for a contract via an online phone retailer to get the best value but make sure your application is for a contract phone on a preferred network such as Virgin Mobile or Three to maximise the chances of acceptance.

Once you have a clear idea of the sort of contract deals that you want to target you can use our comparison engine to compare all the mobile phone deals for bad credit based on the criteria that are most important to you. This could be filtered by, mobile network, mobile manufacturer, phone type, number of free minutes, number of free texts, free Internet allowance, free gifts included and above all else, the monthly price of the contract.


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Once you have found the deal that you are interested in, you simply need to click on that deal from our comparison table and then complete your details on the pages that follow. It should take no longer than a few minutes to apply online and you should know the results of your application the same day. To help your contract application you may be asked for supporting details or even requested to pay a deposit or larger deposit on the mobile phone.

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When taking out a phone contract some networks or providers allow you to contribute a deposit towards the cost of the mobile. This typically helps you to get a better deal in terms of the number of free texts, minutes, etc. Generally the higher the amount of deposit you can afford to pay, the more chance you will have of being granted a contract. If you are concerned that you might not pass a credit check then selecting a deal where you have to pay a larger deposit may help you in being approved for the mobile contract.

Each network has their own criteria for offering contracts to people with bad credit. Many networks will require a credit check to be passed before a contract is offered. If you are a new customer to a network, experience suggests that O2, Three and Virgin in that order are the network operators that accept the most bad credit contract applications. One thing to remember if you are worried about failing a credit check is that you would likely stand a better chance of being offered a mobile contract if you are a pay as you go customer and you apply to the same network that you are using on your PAYG phone.

This way the network will have some evidence that you pay your phone bills responsibly and they should value your custom by allowing you to upgrade to a contract phone. In our new best mobile contracts section we have subsections that include the networks and online phone shops that offer the highest acceptance rates in our experience.

If you go to the phone shops section you will see that there is a section for each phone retailer that provides credit check information for each of the phone shops so if you want to get a deal from a particular retailer but you have bad credit you may want to take a look at the detailed information on the respective retailer page.

For more details click on any of these links for details on retailer credit checks —. Yes, it is possible to get bad credit phone contracts with free gifts bundled together.

If you needed to buy one of the free gifts on offer or planned to use it as a gift then this can be a significant factor in selecting your mobile phone contract. There are a wide variety of mobile phones with free gifts that you can search for by using our comparison table. Many of the deals on our site offer free gifts included so there are contracts for every particular requirement. For example, popular searches for free gifts on denied. It's no great surprise that the trend has been downwards, Between all of the many devices released since the 6S Plus all the way from the 7 Plus up to the iPhone XR there have now been quite a few big screen iPhones to replace this device.

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It packs all the great features of the 6 Plus, but with added functionality like improved battery life and 3D touch, which enables you to interact with the phone in different ways depending on how you press on the screen. It all seemed so innovative at the time! Camera type. Flash type.

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