We live in a world where it is virtually impossible to get anything meaningful done without a mobile phone. In such a world, having bad credit can be the kiss of death of all the cell phone plans you know of need to perform a credit check first and then impose a punishing security deposit on you.
Many mobile phone companies insist on running a credit check for potential customers in order to find out what their credit rating is before they can approve a contract. The justification for this is that the company wants to be sure that you will be able to make good on your monthly payments according to the terms of the contract.
Best 10 Cell phone Plans With no credit check and no deposit
Consumers that have poor credit ratings won’t want a credit check to be done on them in the first place. The thing about credit checks is that, when a hard inquiry is done on your credit report then you’re likely to see your credit score drop even lower, leaving you worse off in terms of your credit rating that you were before. You also won’t get approved for that contract because the company won’t want anything to do with a customer who has a low credit rating.
Fortunately, there is a silver lining to all of this. There are companies that offer some options that don’t require a credit check or a deposit for potential consumers. You can take advantage of these opportunities if you would like to secure a cell phone plan with no credit check and no deposit. Depending on the carrier you sign up with, you may or may not be penalized for refusing to let a credit check be done on you. However, most of the time everything will be okay.
Before we dive into looking at different companies that don’t require a credit check or a security deposit, here are some options you can consider when you want to get a cell phone plan without a credit check.
Do you know your Credit Score?
The very first step to take before looking for a cell phone plan that won’t require a credit check is to find out what your credit score is. You might end up realizing that your credit score really isn’t that bad after all. It might be just enough to get you qualified for a cell phone plan where you don’t have to pay a security deposit and get to be treated just like a regular customer. In case you have an average rating and you do get accepted for a cell phone contract, you should think of it as a golden opportunity to raise your score by making your payments on time.
You really can’t blame a cell phone service for requiring a credit check if you think hard about it. When you enter a cell phone contract what you’re doing is getting the latest phone for no money down. That phone needs to be paid for somehow. Your monthly bill will cover the services you incur per month as well as the cost of the phone. Over time you will therefore end up paying for the phone in full. To put it simply, you are buying the phone on a special hire purchase contract, which is just like a loan. That’s why a credit check is necessary.
Get a Cosigner for your Contract
Some companies give you the opportunity to get approved for a contract on condition that you get a cosigner. This is someone who basically signs the contract with you and provides a guarantee that you will make the payments for the service. In case you fail to make those payments, it becomes the cosigner’s responsibility to make those payments on your behalf.
Anyone can be a cosigner, so long as they have good credit. Obviously, you can’t get someone with credit as bad as yours or worse to cosign a contract for you. It can be any of your friends or family members When the approval process is getting done, the company will run a credit check on your cosigner, instead of running it on you. You may, however, have a hard time convincing someone to cosign for you because they are putting their own credit score at risk on your behalf. If they fail to make payments when you fail to make them, their credit score will be adversely affected. You should therefore choose someone that trusts you and do your best not to break that trust.
Sign up for a Family Plan
If you have bad credit, it might be a good idea to sign up for a family plan as opposed to an individual plan. All you have to do is hop onto someone else’s family plan, such as a relative or a friend. These plans typically range from $25 to $50 per month. If you sign up for a family plan you get to avoid a credit check altogether.
Use Someone Else’s Account as an Authorized User
This can work if you have a friend who trusts you enough to allow you to be an authorized user on their account. Some cell phone companies allow this by letting you register your account under some other person’s name. Their credit score will then be used to approve a contract for you. They will then allow you to make changes to their account based on the kind of service you want for your phone. You should do this with someone you trust. As an example, if you register your account under your mother’s account, you will have to make your own cell phone payments. However, if you miss any of your payments then your mother will be affected by the missed payments in the sense that it will affect her credit score. As you can see, it is quite similar to cosigning. The major difference here is that if you make payments it is also your mother’s credit score, and not your own, that will improve as a result of the payments that have been made on time.
Improve your Credit
This is obviously the most straightforward way to get approved for a contract. It takes between 6 moths and a year to properly improve your credit and bring it to either average or above average. When you do that you get to apply for a regular cell phone plan.
Consider paying a Security Deposit
Some carriers will let you forego a credit check altogether and require you to pay a security deposit instead. Some of them will run the credit check anyway and still require you to pay the security deposit. If you want, you can go for the carriers that don’t need to run a credit check and will let you just pay a security deposit. You will, however, have to pay in full for whatever smartphone you want and you will pay a refundable deposit on each line that you purchase under the plan. You are then considered a postpaid consumer at that point. Some carriers may impose some harsh restrictions on such customer while others will treat them just like any regular customer. The major advantage here is that you will be avoiding the dent a hard inquiry would make on your credit report.
Try a Prepaid Service
Another option you can consider trying is the prepaid wireless service. Prepaid customers general pay for any services that they receive from the phone company in advance. They are not allowed to carry any unpaid balances in their individual accounts. As you might imagine, this isn’t a very convenient option. However, if you’re looking to avoid a credit check, it might be your best bet. Mobile Virtual Network Operators and Carriers provide such services to potential consumers and it’s usually a straightforward process taking advantage of such an opportunity.
As a prepaid customer, you will be required to pay for your smartphone in full. You will also not receive any of the subsidies that regular customers receive on their devices as a prepaid customer. You will, however, be likely to get some great discounts if you purchase a mid-range or a low-range smartphone. You will have to pay the due charge for the first month of service before the service is delivered. You will then have to pay for your services in advance for each month moving forward. You therefore need to remember to pay your expenses before they are due or you might suddenly find yourself with no service when you need it the most. Since you won’t have a credit check run on you, this is the perfect solution for you if you have bad credit and would like to purchase a service that works with your budget.
The Process of finding the right No Credit Check Cell Phone Plans
There are quite a number of cell phone plans that do not require a credit check that are available from cell phone carriers on the market today. As a potential consumer, you’ll need to compare them to each other and pick the one that works best for you. That’s why we have a list of the 10 best in this article to help you better make that decision. You should remember that there will be both postpaid and prepaid plans available. If you opt to go for a postpaid plan, then you should be prepared to pay a security deposit. On the other hand, prepaid plans do not require a deposit at all. There are also some differences which you will find between plans whether they are prepaid or postpaid. These differences should also be considered when you’re making a decision about which plan to go for.
Sprint, T-Mobile, AT&T and Verizon all have cell phone plans that do not require you to go through a credit check. Other companies that base their services on these main carriers will also provide such plans, naturally. Good examples of such companies are Republic Wireless, MetroPCS, Boost Mobile, and Cricket Wireless, all of which have such plans available for potential customers. All of these companies have their own individual plans that come with their own terms and conditions, features, and price structures. You will obviously want or need certain features from your wireless service provider so not all of them will make sense for you.
As you go through the list, you’ll have to compare various factors when looking at different no credit check cell phone plans. Many of these companies will give you anything between 500 MB and 10 GB of data per month as part of their plans. You will also likely get unlimited texts and calls. If you go for a cheaper plan, your minutes and texts may be limited. The way wireless services work is such that, the more data your plan includes, the higher the amount of money you have to pay every month. You will have to figure out how much data you need in a month before you choose a plan.
Verizon AllSet Prepaid Plans
This is an excellent plan from Verizon for those who like to pay as they go rather than have to settle for a credit check. The plans are different depending on the type of phone you have.
If you have a basic phone, then you pay $35 a month and get unlimited texts and talk time nationally as well as 500 MB of data. If you have a smartphone then you $45 a month and you get unlimited text and talk time as well as 1 GB of data every month. You also get to choose from a wide range of smartphone, including the latest Samsung Galaxy phones and iPhones. You can also purchase more data if the data on your plan isn’t enough for you. The price depends on your plan. Verizon also lets you bring your own phone if you want to see Verizon AllSet Prepaid Plans.
AT&T GoPhone Plans
This plan from AT&T is prepaid and so if perfect for those consumers looking to pay as they go. There are 3 plans under this program: the first is for basic phones and costs $45 a month. You get unlimited texts and talk time nationwide. You also get 1.5 GB of data every month at 3G speeds. There is another plan for basic phones that does not include data but only has unlimited texts and talk time nationwide. This plan costs $35 per month. For smartphones you pay $45 a month and you get unlimited nationwide talk time and texts and also 1.5 GB of data at high speeds of 4g LTE.
If you’re not satisfied with the data you get under the plan you can purchase additional data in increments of 500 MB. Each lot of 500 MB costs $10 for the $45 plan. You also get to choose from the latest iPhones and Samsung Galaxy phones from AT&T GoPhone Plans
T-Mobile Simply Prepaid
T-Mobile joins the fray with their own prepaid plan that is pretty competitive when compared to the other plans on the list. This plan works for all phones regardless of whether they are basic phones or smartphones. For $40 a month, you get unlimited data, unlimited texts, and unlimited talk time on the T-Mobile network. The data is at 3G speeds however and you only get 1 GB of data at 4G LTE speeds.
For $50 a month, you get unlimited data at 3G speeds, unlimited talk time, and unlimited texts on the T-Mobile network. You also get an allowance of 3 GB of data at 4G LTE speeds.
For $60 a month you get unlimited data at 3G speeds, unlimited talk time and unlimited texts on the T-Mobile network. You also get 5 GB of data at 4G LTE speeds.
This plan also has some great perks for people with low credit. If you make your prepaid payments on time for 12 months then you get to join the New Smartphone Equality program which allows you to get a new smartphone at very low upfront prices. You get to choose from the latest smartphones From T-Mobile Simply Prepaid plan.
Sprint also offers prepaid plans for people with poor credit that don’t want a credit check done on them. This program also works for all phones and has some pretty competitive features.
For $35 a month you get 1 GB of data at high speeds of 4G LTE. You also get unlimited texts and unlimited talk time. For $45 a month you get 3 GB of data at 4G LTE speeds. You also get unlimited texts and talk time. For $55 a month you get 6 GB of data at 4G LTE speeds, which is way more than what you would get for the same price from other carriers. You also get unlimited texts and talk time.
For this plan, there is a limited range of smartphones to choose from and you only get to purchase older Samsung Galaxy phones and iPhones. It offers a great bargain on the data, however, which makes it quite attractive.
TextNow Wireless 2 GB LTE
This is a great offer from TextNow that comes at a good cost of $20. You get unlimited texts for that amount and 2 GB of data at 4G LTE speeds. The plan actually announces that it offers unlimited data. However, only the first 2 GB will be at fast speeds. Past that point you will get 3G speeds on your data. The plan costs $20 a month, which is fair, considering what you get. The plan words for those who have a Sprint CDMA or GSM phone, which makes it unavailable to users on other networks.
There are 23 phones available under this plan, including the latest Samsung Galaxy phones and iPhones. You only have to pay $10 a month, which makes it a great plan for those who don’t want a credit check done on them and still want to go for a low budget plan. It offers the basics, which consist of unlimited texts and 200 minutes of talk time per month. If you’re not big on talk time then you’ll love this plan. You also get 500 MB of data as part of the plan.
There is also a Tello plan that offers 300 minutes of talk time instead of 200 that costs $11. It includes 300 minutes of talk time and unlimited texts as well as 500 MB of data. Basically, you’re getting 100 extra minutes of talk time for only a dollar more.
For $12, you can get another Tello plan that offer 300 minutes of talk time, unlimited texts, and 1 GB of data monthly. Tello plans are available to users on the Sprint network.
Xfinity Mobile by the Gig
This great plan is only available to subscribers of Xfinity internet. If you’re not a member then you might want to become one in order to take advantage of the incredible opportunity offered by this plan. For only $12 a month, you get unlimited talk time and unlimited texts as well as 1 GB of data. If this data isn’t enough than you can purchase more data at the rate of 1 GB at a time for only $12.
Spectrum Mobile by the Gig
This is another exclusive plan that is only available to subscribers of Spectrum internet. It offers unlimited talk time and unlimited texts as well as 1 Gb of data for $14 a month. Since it’s a “by the Gig” plan you can purchase extra data 1 GB at a time for $14 per GB.
This plan is available on the two CDMA networks nationwide and offers up to 30 phones as part of the program, including the latest iPhones and Samsung Galaxy phones. You have to pay $2.99 upfront and then $15 a month thereafter. You get 300 minutes of talk time per month, unlimited texts, and 1 GB of data.
This plan will work for any 4G LTE GSM phone. You have to pay $3.99 upfront and then $16 a month thereafter. You get 300 minutes of talk time but you don’t get any texts. You also get 500 MB of high speed data. Here is the US Mobile plans