Who offers SIM Only deals with no credit check?

12th March 2021

No Credit Check SIM Only Deals

Having a bad credit rating can stop you signing up for a mobile phone contract, but it doesn’t have to, as there are still options, which we’ll explain below.

Plus, once you’ve got a SIM Only contract it can actually be a great way to improve your credit rating, opening up more options to you over time.

Can I get a SIM card if I have a bad credit rating?

Yes. Aside from Pay As You Go, which is always an option, you can also opt for a SIM Only plan with no credit check, which is offered by certain networks. You can see exactly which networks offer no credit check plans below.

Of course, depending on how bad your credit is you might well be able to pass the credit check anyway, especially for a SIM Only deal, as credit checks for these are usually easier to pass than Pay Monthly plans, where you’re also getting a phone.

Is a no credit check SIM Only deal right for me?

That largely depends on your credit rating. If you’ve been refused a SIM Only contract before then a no credit check SIM Only deal could be an ideal option. If your credit is good enough to pass a SIM Only credit check then of course opting for a no credit check deal isn’t necessary and you’re free to choose any network.

That said, there’s still no downside to opting for a plan with no credit check, as long as you’re happy with the network, price and allowances.

Which networks offer no credit check SIM Only deals?

EE, VOXI, Lebara, Giffgaff, SMARTY, Asda Mobile and FreedomPop all offer SIM Only deals with no credit check. All such plans are only 30 days long, so you have the flexibility to change or cancel your plan every month.

Beyond that, each network stands out in its own ways, as highlighted below:

  • EE

EE is the biggest name to offer no credit check SIM Only plans at the time of writing, though the bulk of its SIM Only plans do have credit checks – you have to opt for one of its Flex plans to avoid them.

These have one monthly payment (like standard SIM Only plans), so you don’t have to worry about topping up, but there’s no contract, making them a weird middle ground before normal SIM Only and a Pay As You Go bundle, but functionally they’re similar to other SIM Only options.

Unused data rolls over from one month to the next, and EE will add 500MB to your allowance every three months, so its plans reward loyalty.

  • VOXI

VOXI’s 30-day SIM Only plans are all pre-paid, so there’s no need for a credit check, and the network even has an unlimited data plan, and most plans come with 5G.

Plus, if you opt for a plan that doesn’t have unlimited data you will get unlimited use of Snapchat, Instagram, WhatsApp, Facebook, Twitter, Pinterest and Facebook Messenger without it coming out of your data allowance. Many plans also allow you to use YouTube, Netflix, Amazon Prime Video, My5, TVPlayer, and UKTV Play without it using up your data.

And VOXI is owned and operated by Vodafone, so you’ll get signal in all the same places as you would on that network.

  • Lebara Mobile

Lebara also offers 30-day SIM Only plans with no credit checks, and while it doesn’t offer a huge range of plans, it does have unlimited data on some, and it stands out through offering free international calls to numerous countries. So if you have friends or family abroad it could be a strong choice.

Lebara Mobile also offers free roaming not just in the EU, but also India, which few other networks allow. Lebara uses Vodafone’s infrastructure, so when using your phone in the UK you’ll get signal in all the same places – meaning at least 99% 4G population coverage, but no 5G at the time of writing.

  • Giffgaff

Giffgaff has a range of plans, but its standout one is an unlimited data option, option, which – along with many but not all of its other plans – includes 5G.

Giffgaff also has competitive prices, allows you to use your data allowance for tethering, and offers free roaming across the EU. The network runs off O2’s infrastructure, which means it currently has 4G coverage for around 99% of the UK population outdoors, as well as a growing 5G service.


SMARTY Mobile stands out by ensuring that you don’t waste your data, by refunding you for what you don’t use on select plans, so you’ll only ever pay for what you actually use.

Beyond that, SMARTY also has an unlimited data plan (which is exempt from the data refunds). It lets you use your data allowance to tether (with no limits, even on an unlimited data plan), and it runs off Three’s infrastructure, so it has over 99% UK population coverage for 4G. There’s no 5G at the time of writing, but SMARTY promises that this is on the way.

  • Asda Mobile

Asda Mobile stands out primarily through being cheap, but it also uses Vodafone’s infrastructure, which means that it has 4G coverage for at least 99% of the UK population.

Asda Mobile also offers inclusive EU roaming and allows tethering. It’s not the most exciting of networks, but if you just want excellent value and don’t need a massive data allowance then it’s well worth considering. There’s no 5G on Asda though at the time of writing.

  • FreedomPop

FreedomPop is one of the cheapest networks around. In fact its most basic plan used to be free, but it isn't any more.

Aside from being cheap and not requiring credit checks, FreedomPop does little to stand out. In fact, tethering costs extra and roaming isn’t supported. But as a very basic or secondary plan option it gets the job done. It uses Three’s infrastructure, so 4G coverage is available to over 99% of the UK population. As with many MVNOs (mobile virtual network operators) though there’s no 5G.

Can a SIM Only deal improve my credit rating?

Yes. A SIM Only deal involves a credit agreement (whether or not there’s a credit check), so by keeping up with your SIM Only payments you can actually build up your credit rating.

That means even if you have to opt for a no credit check plan now, doing so may ultimately bring your credit to a point where you can switch to any plan of your choice.

How do I keep my number?

Once you’ve ordered your new SIM card you just need to call up your old network and ask for your PAC code. Alternatively you can text ‘PAC’ to 65075.

Then wait for the new SIM card to arrive, activate it, and fill in the number transfer form for your new network (usually found on their website). It will ask for the PAC code that you requested, as well as your old number and your new temporary number. Once that’s filled in your number should be transferred soon afterwards.

What SIM card size do I need?

Most networks will send you a SIM card with multiple sizes in it. This is usually called a combi, multi or trio SIM, the idea being that you just select the size you need once it arrives (comparing it to your current SIM card if you’re not sure).

However, you can also find out what size you need by Googling the make and model of your phone, but chances are if you’ve bought a new smartphone in the last few years you’re using a nano SIM, which is the smallest size and is used by the majority of recent handsets.

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