- Your best network
- Affordable tariffs & Great free SIMs
- Free monthly mins, txt's & data from £5.00
- Great acceptance rates
- Click Here To Apply With ID Now
- Networks in order of acceptance:
Bad credit mobile phone contracts
The best way to get approved or new mobile phone contract with bad credit is to apply directly to the network rather than going through a retailer (reseller). Avoid applying for the latest smartphone you will not get the latest Apple iPhone or Samsung Galaxy, sometimes you can even choose a free gift such as a laptop or LCD TV (read our full guide below) with some deals.
In order of acceptance rate here are the mobile phone networks to apply to. or depending on your circumstances you could try these alternatives
ID offer: Great Approvals On Phones & SIM Only Contracts
ID offer a wide range of affordable tariffs on a good selection of handsets and SIM's they have an excellent approval rate for customers with a less than perfect credit history, as always be realistic about which handset you choose in order to stand the best chance of being accepted.
Click here to apply with ID Mobile now
Vodafone offer: Very high acceptance rates for all
Vodafone offer very good acceptance rates on low to mid range smartphones and require only a basic identity check for their SIM only contracts. As we have mentioned before SIM only contracts are great for building your credit and provided you keep your account in order they are a sure fire way to a free phone contract deal.
Click here to apply with Vodafone now
BT offer: High Approval Rates On Phones For Poor Credit Scores
BT Mobile is a newcomer in the mobile phone world recently buying out EE they run on the UK's biggest 4G network but of course BT needs no introduction! Apply for an affordable smartphone (avoid iPhone 7) to get approved. Got BT broadband? Even better, as an existing customer you get £5 off your monthly mobile phone plan!
Click here to apply with BT Mobile now
Virgin Mobile offer: The best acceptance rates on phones and SIMs
Virgin Mobile have tariffs from as little as £5
per month with many free phone deals on all the latest handsets, 30 Day SIM Only have extremely high approvals.
Virgin also offer unlimited web browsing
from your mobile for just 30p a day!
Click here to apply with Virgin Mobile now
Tesco Mobile offer: Good acceptance on cheaper phones & tariffs
Tesco offer a great range of affordable tariffs and superb deals on all the latest phones. They have a reasonable connection rate on pay monthly phones and offer very high acceptance rates on their pay monthly SIM's. Tesco also offer capped contracts to keep spending down and have great coverage.
Click here to apply with Tesco now
Three offer: Great Approvals On Phones For Credit Scores Of 350+
Credit Score Of 350+ for Phone Deals Or Three Mobile offer SIM only contracts from just £10 per month. Three also have a range of reasonable tariffs and free phones from just £15 per month. Again you need to be realistic in your choices. (Read our full guide bellow)
Click here to apply with Three Mobile now
TalkTalk Very High Approval Rates & Affordable Tariffs
TalkTalk offer very high approval rates combined with their cheap tariffs makes them perfect for customers with bad credit or no credit history. Incentives are available for existing TalkTalk broadband customers too.
Click here to apply with TalkTalk now
GiffGaff: No Credit Check SIM ONLY deals
GiffGaff offer great SIM only deals that are not only good value for money they carry no credit check making them perfect for customers with bad credit or no credit history. With time they can also help rebuild your credit score leading you to a full phone contract.
Click here to apply with GiffGaff now
O2 offer: Clear & simple SIM only contracts with good acceptance rates
O2 offer a great range of SIM only contracts, Simplicity offers Pay and Go, 30 day rolling and 12 month SIM only contracts, all have very high acceptance rates. O2 also reward their customers every 3 months with high street vouchers and other goodies.
Click here to apply with O2 now
EE offer: OK approval rates for SIM ONLY Contracts
As the parent company of Orange and T-Mobile EE offer good acceptance rates for their SIM only contracts. As we have mentioned before SIM only contracts are great for building your credit and provided you keep your account in order they are a sure fire way to a free phone contract deal.
Click here to apply with EE now
Unlike other websites we do not collect your details and credit check you without your permission ShopMobilePhones performs no credit checks at all. We have over 12 years expreince in the mobile phone industry working with all the mobile phone networks and our research shows people looking for bad credit mobile contracts have been accepted on ID Mobile and Tesco even after being refused elsewhere. Vodafone also have a fantastic tariffs at the moment with free phones from as little as £13.00 per month!
With our years experience, helping customers get a mobile contract with bad credit shopmobilephones.co.uk is proud to have helped thousands of people in the UK with a less than perfect credit rating get a new mobile phone contract, simply follow our recommendations and practical advice our service is completely free and impartial. If you need more help why not use our contact form below and one of our team will be all to happy to help you.
How to get a mobile phone contract with bad credit
If you are looking for a bad credit mobile contract or mobile broadband and you suffer from either no credit or a poor credit rating our simple guide will help you choose the right network and tariff.
Have you been refused for a contract mobile phone due to your bad credit history ?
Getting a contract phone when you have bad credit is not impossible, through our research, connection statistics, close relationships with the networks and your feedback, we have put together this guide outlining the best networks and tariffs for customers with bad or poor credit.
So just how do you get bad credit contract phones ?
After reading this guide select one of the networks above which best suits your circumstances, then simply follow the apply link for your chosen network, select your handset from our selection and you will be taken to the networks we recommend for your situation. ID Mobile currently have very high acceptance rates, and a good selection of free mobile phones and cheap monthly tariffs, so for that reason we recommend BT Mobile as our best network.
We Recommend : ID Mobile, BT Mobile,Vodafone, Three, Virgin, Tesco & O2
Should I apply for a high end handset that is new out?
No you need to be realistic when choosing your phone and tariff, each network attaches a level of risk to every application, by applying for an expensive high end phone and having a less than perfect credit rating the networks are more likely to reject your application this is because your phone is essentially financed to you along with the tariff so a £600 handset is a big investment by the network. The same is true of tariffs if you apply for an expensive tariff with lots of inclusive data, minutes and texts you are less likely to be accepted because a higher risk is attached to it. Do apply for a cheaper tariff and choose a less expensive mobile phone keep up your payments on time every month and you can soon upgrade. Remember you can always upgrade your phone later on once you have proved your worth and best of all upgrades require no credit check at all. Both ID mobile and Vodafone offer a good selection of cheaper phones on cheap tariffs.
We Recommend : ID Mobile, BT Mobile, Three, Vodafone, Virgin and Tesco
Can I use my existing mobile phone with a new contract?
Yes many people looking for bad credit mobiles opt for a SIM only contract to start with, all networks offer SIM only contracts these are great for people with existing mobile phones as well as for people with bad credit, the networks attach much less risk to SIM only contracts because there is no free or subsidised mobile phone costs to recover. However as above it's wise to apply for a cheaper or even 30 day rolling SIM only contract that has a lower monthly fee for those who have particularly bad credit this may be your only option for the short term at least. Many people have also found, if they have been refused a free phone, after a few months on a SIM only contract they were able to upgrade to a tariff and free phone. As with any contract provided you keep your account in good order and pay your bills on time, your credit rating will improve and you will be offered more by your network.
We Recommend : ID Mobile, BT Mobile,Three, Vodafone, Virgin, Tesco and O2
Can I Get A Guaranteed Mobile Phone Contract With Bad Credit?
There was only one network in the UK offering Guaranteed phone contracts - SheBang they have now gone into administration, you can however get no credit check SIM only contracts from these networks: GiffGaff, Life mobile and Asda mobile check out the link to compare all the no credit check sim only deals.
Are There Any No Credit Check Mobile Phone Contracts?
Yes you can get a number of different contract phones with no credit check many networks only perform identity checks which are often confused with credit checks they mostly require you to have a debit or credit card to help verify your identity. The only no credit check free phone contract deals on the market are from sunshine mobile and are quite honestly nothing short of a scam, you need to pay 3 - 6 months contract and in exchange you get your mobile phone and contract but you won’t receive them until you have waited and paid the contract for that amount of time.
We Recommend : ID Mobile, BT Mobile, Virgin and Three and O2, Vodafone for 30 Day SIM Only
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ShopMobilePhones comments on facebook
shopmobiles is the best place to get a mobile phone and contract even with poor or no credit history so be sure to check them out asap
Thank you soo much shopmobilephones
I was finally accepted for a mobile contract after years of trying I followed your advice and took out a sim only contract first and now I have a phone on contract 5* advice all the way.
Thanks again Suzi
Thanks for the help your site provided me
I was made bankrupt in 2008 but paid all monies owed ten fold but it is still on my credit file got turned down by orange before visiting your site and after your advice went to t-mobile and after a short conversation with a member of the web sales team they offered me there full monty package £21 a month unlimited calls,texts and internet. Result so thankyou :-)
I just wanted to thank you for the info!
Applied to Three, who I'd had a monthly rolling SIM only contract with, explained my situation and asked whether it would be possible to get a free phone contract. I now have a HTC One with a £25 a month contract arriving tomorrow :)
Cant believe it.
Thought i would give it a try with 3mobile after reading this and not having a credit rating lol. So ordered the brand new htc sensation xl and it got delivered today! OMG
New Mobile phone contracts
Hi, went onto your site looking for a new mobile contract for myself and my wife, as we have not got a very good credit rating. Went to T Mobile web site and now we both have been accepted and now have a new phone each,a brill site thanks for your help would recommend this site to anyone who is finding it hard to get a mobile phone on contract and has bad credit.
I have been thinking about getting a contract phone for quite a while but with previous bad credit history on my credit score was worried about being turned down.Until I found your site, read through and went to t-mobile and hve a nice shiny blackberry contract for £15 per month.
very happy thank you Louise
Thank you so much!
I found your advice genuinely invaluable. Having been refused a contract with several leading companies I followed your suggestion of Virgin Mobile. Now have an HTC Desire HD (free) on a reasonably priced 24 month contract.
Thanks again. Andy
I just wanted to say thanks, I got a new contract mobile phone on T-Mobile after months of trying I found your website and T-Mobile accepted me without any problems.
Just wanted to let you know that I have just been accepted for a brand new phone on Pay monthly with Vodafone. Thank you for your help!
Thank you shopmobilephones, I tried various mobile phone shops only to be turned down every time. I have a less than perfect credit rating and have found it hard to get accepted, one visit to your website and I now have a new Samsung Tocco on T-Mobile Combi 25.
I have very bad credit and Virgin mobile accepted me, I got a free KC 550 100 free minutes and texts for £8.50 per month! Thank you.
I took out a solo sim and after running it for 2 months I got a T-Mobile contract thanks for the tip.
Hey shop mobile phones, thanks to you i have got myself an iphone 3gs. I've probably got the worst credit but after following your simple tips i was able to get one after 2 years of trying. Thank You!!!
Give us your feedback using the don't forget stars out of 5 contact form.
Also well worth your consideration is the massive range of Pay as you go and Sim free mobile phone offers compared on this website all of which come with 100% approval rates and unlike contract mobiles no credit check is needed at all perfect for those looking for poor credit mobile phones.
To find out what information is held about you on your credit file and how to start improving your credit rating it is very important you check out your credit report please visit one of these two credit reference agencies:
Experian (Credit Expert).