No Credit Check SIM Only Deals

Compare the best SIM only deals that don't require a credit check at

Been rejected for a contract phone? Or have no credit history? No problem thanks to our range of No Credit Check SIM Only Deals. All the deals listed below from our partners do not carry out a credit check when you apply. There are no tie-ins, in fact, the deals operate on a rolling monthly basis, and you can cancel at any time without any financial penalty. All you need to get started is a credit or debit card and a mobile phone that’s unlocked.

We compare no credit check deals from giffgaff, EE, Smarty, Voxi and Freedompop. To get started choose your ideal 30 day SIM only plan from the deals available below.

No Credit Check SIM Only Deals
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Can’t Get a Mobile Phone Contract? Try a No Credit Check SIM Only Deal

If you’re struggling to get a mobile phone deal due to bad credit or no credit history then a sim only deal with no credit check should be your first port of call. Many of the leading UK networks offer deals that don’t require credit checks in the form of a 30 day rolling prepaid SIM.  What’s more, they’re actually very good value for money and these zero tie-in deals have the option to cancel or upgrade/downgrade at short notice.

What is a no credit check SIM only deal?

A no credit check sim is essentially a prepaid SIM deal. The reason no credit check is undertaken is due to you pre-paying for the data, minutes and text allowance in advance. This removes any risk to the network of you racking up a huge bill and not being able to pay it.

If you’ve failed a credit check recently for a mobile or sim only contract, then the best way forward is to pay for your usage up front. The network provider has no concerns because they already have the money before you are able to make any calls, send texts and use data.

Wait, isn’t this just like a pay as you go SIM deal?

Pretty much, yes. Paying up front is very similar to a pay as you go sim. But the difference is rather than paying for each text and megabyte of data which gets deducted from your balance, you’re receiving a set bundle of data, minutes and texts every month like a normal mobile phone contract you might be used to. With a pre-paid SIM you can also set up a regular monthly payment so you’re not having to manually pay via your card every month.

Why do some SIM Only Deals have a credit check?

Any deal you see on this page doesn’t require a credit check, but if you’re looking for a more traditional sim only contract, the vast majority of these deals do require a check.

The reasoning behind this is because the mobile phone networks need to assess your creditworthiness. It’s possible for a customer to run up a large bill and then not be able to pay. The networks need to check your history of paying mobile bills on time. If you’re someone who’s struggled with this in the past then it’s a red flag and rightly or wrongly the mobile network thinks this might happen again.

I have failed a credit check for a SIM only contract elsewhere, why?

There are many reasons people fail a mobile credit check. Generally, this is because you have no credit history, a bad credit history, you’re under 18, or you’ve just moved to the UK. Whilst the credit checks on sim only deals are relatively easy to pass, customers that fit into the above categories can still be declined.

The important thing to remember is that failing a credit check is not the end of the world and thankfully there are plenty of SIM only plans that don’t require any sort of credit check to choose from. To get one of the 30 day rolling SIM only mobile phone deals all you need is an unlocked phone and a credit or debit card to pay. While your chosen network won’t do a credit check, they may do an ID check to fight fraud.

How do I pay for a no credit check SIM only contract?

All the deals in our comparison engine require payment via a debit or credit card. There’s no direct debit to set up but you can turn on recurring payments with most deals to avoid having to make manual card payments every month.

What are the advantages of a no credit check SIM only deal?

  • Great value: Consider the typical mobile phone contract. With that contract, the network will include a mobile phone in the deal. However, these deals don’t usually offer the best value as the customer ends up paying a lot more than the cost of the phone over the whole contract. With a SIM-only deal, you only pay for your usage, there’s no subsidised smartphone factored into the bill.
  • Flexible: Not only is a no credit SIM only deal great value, it’s also very flexible. These deals only last 30 days so unlike most contracts, you’re not committed long-term. As such, you can upgrade or downgrade whether you’re using too much or too little of your allowance. You can even cancel at what is usually 30 days’ notice if you find a better deal with another network.
  • Your own phone: With so many choices on the market, choosing a mobile phone can take time. It’s only human to occasionally choose the wrong mobile phone. The problem is that if you’re stuck in a 1 or 2-year contract, you’re paying for that mobile phone whether you decide to keep it or not. With a No Credit Check SIM Only deal you can keep your mobile phone and change it whenever you want. That way you can better keep an eye out for the best deals on the high street and online.

Are there any disadvantages of no credit SIM-only deals?

The great value and flexibility offered by SIM-only deals make them an option worth seriously considering. The only real negative is that not every network is on board with this type of deal yet. EE is the latest to join our panel of no credit check providers with their new flex plans and we’re hopeful more follow suit in 2019.

Will a no credit check SIM only deal help rebuild my credit score and history?

Because there’s no credit facility in place, a no credit check sim deal won’t help rebuild your credit history. However, it will help you build a relationship with the network operator if you keep the deal long term. By making regular payments every month for a long period, the network can clearly see you are a reliable customer, this should work in your favour if you try to obtain a contract phone at a later date.

Which networks offer the best no credit SIM only deals?

EE No Credit Check SIM Deals

EE’s flex plan SIM deals don’t require a credit check and they’re designed to give customers all the benefits of a contract without the tie-in. Like a traditional sim only contract, a Flex plan allows you to set up a regular payment so you don’t have to deal with top ups. But rather than a monthly contract, you’re essentially a pay as you go customer, there’s no contract so you can change, pause or stop the plan whenever you like.  As an added bonus Flex customers can roll over their data into the following month so they get a second chance to use it. EE also boost the data allowance by 500mb every three months which is proving popular with EE customers.

There are four 30 day rolling no credit check SIM’s from EE currently available:

£10 EE Flex plan

  • 2GB data
  • 1000 minutes
  • Unlimited texts

£15 EE Flex Plan

  • 5GB data
  • 2000 minutes
  • Unlimited texts

£25 EE Flex Plan

  • 10GB data
  • 3000 minutes
  • Unlimited texts

£30 EE Flex Plan

  • 20GB data
  • 3000 minutes
  • Unlimited texts


If your mobile phone usage is particularly low, you’ll love FreedomPop. That’s because FreedomPop offers a uniquely free service. With a FreedomPop SIM, you can have 200 minutes, 200 texts and 200MB of data for free. You’ll only be charged if you exceed this allowance. If you feel it’s not enough, you can always go for a higher allowance. For example, 16GB of data and unlimited minutes and texts is just £9.99 a month! Your phone must be on iOS or Android since you will have to download the FreedomPop app. Keep in mind that there is a small one-off fee for the SIM.


For good network coverage, Giffgaff is a safe bet since it uses O2’s network. What’s more, you’ll have the additional advantage of 4G internet. Much like FreedomPop, Giffgaff offers a variety of cheap plans to suit all levels of usage. In the case of Giffgaff, these plans are called ‘goodybags’. The calls, texts, and data in each goody bag last one month and it’s very easy to change your tariff if it turns out to be too much or too little. One example of a plan is the £10 goody bag which includes 1GB of data, 500 minutes and unlimited texts. Better still, calls and texts to Giffgaff numbers are free.

ASDA Mobile

Many people don’t realise that ASDA offers far more than just groceries. They have a mobile branch that offers equally good value SIM plans as well. Much like with FreedomPop and GiffGaff, ASDA Mobile’s SIM plans are monthly. You will get a free SIM card and can then add on a bundle that suits. For £10 a month you can have 1.5GB of data, 600 minutes and unlimited texts.  It’s worth knowing that there is no 4G with ASDA mobile. On the plus side, they use EE which means excellent mobile phone coverage across the UK.


The network of Carphone Warehouse, iD is relatively new having launched in 2015. It focuses on offering simple and affordable 4G plans. iD shares the network of Three which is currently expanding its 4G coverage. A £10 per month plan gets you 4GB of data, 500 minutes and a whopping 5000 texts.  Advantages include plans such as GoTo and ShockProof. With GoTo, you can roll over unused data to the next month while ShockProof plans allow you to set a cap on your usage to avoid any nasty bills.


Smarty’s prepaid SIM deals don’t require a credit check. Because you pay upfront, Smarty doesn’t need to know your credit history. The plans are all 30 day deals and Smarty will not tie you in or overcharge for extra data. Plans start at £7.50 per month for 2GB of data, and all Smarty’s no credit check SIM deals come with unlimited UK standard texts and calls. With no commitment, you are free to pause or cancel at any time.


VOXI’s no credit check SIM’s are only available to customers under 30 years of age. Like EE and Smarty, Voxi works on a pre-paid basis, so there’s no need for a credit check to be undertaken when you apply. Instead, you only need a credit card or debit card and payment will be taken automatically each month for the following month’s plan. Voxi plans run on a 30-day rolling basis, so there’s no tie-in.

Got a question about any of the no credit check deals listed above? Feel free to contact our customer service team with any queries.