Choosing the best SIM-only contract

Staff Reporter
September 25, 2023

Demand for no credit check SIM-only contracts that don’t require a credit check rose an average of 18 per cent in the past year according to Uswitch mobiles

There are nearly 20,000 searches a month in the UK for advice on getting a phone contract with poor credit  As average mobile plan prices rose by as much as 17.3 per cent from 1st April, the use of credit also increased during the cost-of-living crisis, So UK mobile phone users may be looking for an affordable SIM only deal that won’t harm their credit rating.


Credit Check Terms

Current cheapest SIM only deal


No credit check required

£6 a month, 2GB of data


No minimum credit score requirement

£10 a month, 30GB of data


No credit check required

£6 a month, 5GB of data


No credit check required

£1.58 (for 3 months), £3.95 after, 1GB of data

Whilst providers such as giffgaff offer low-cost options, be wary of how much data you may actually need. The lowest cost options are also data-lite, which means using TikTok or Netflix to stream while using mobile data could see you run out fast if you’re on a 2GB a month plan, for example.

VOXI’s cheapest offer at the moment is a £10 a month SIM only deal, which includes a solid 30GB of data. VOXI offer unlimited data specifically on social media apps, which are some of the most data-hungry – meaning that that 30GB could go far further if choosing a VOXI deal.

The current cheapest deal on Uswitch from a provider with no credit checks is from Lebara, which is offering 1GB of data for £1.58 a month for the first 3 months. Nonetheless, should you frequently find yourself on the move, travelling, or in locations with unreliable Wi-Fi access, you might quickly exhaust your data allowance.

How can a SIM only deal help your credit score?

Uswitch mobiles expert, Max Beckett says

When choosing a SIM only provider, make sure to read its payment terms and conditions to see if it runs a credit check on new accounts. Providers that don’t run credit checks are a great option for those with no credit history, or who may have been rejected for a contract previously.

Keep in mind the length of the contract, too. A rolling monthly SIM only plan is likely to be seen as lower risk, which means they don’t often need a credit check. Six, 12 or 18-month contracts are longer commitments, so some providers would want to make sure you can pay a fixed amount for that length of time.

However, rolling contracts often come with higher monthly prices as a result. So if you’re looking for a lower-cost deal then you may have to commit to a longer contract, which means a no credit check SIM provider could still be your best bet.”



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