Compare 100% guaranteed SIM only plans with no credit check that will accept you even if you have bad credit history or have been declined already. SIM Sherpa is your trusty guide.
✔ 30-day rolling plans
✔ All major networks and others
✔ Quickly compare tariffs and pricing
✔ Why these deals have no credit check
✔ Paying up front each month
✔ Benefit from their extra flexibilty
✔ Get accepted with a major network
✔ Specialist pre-paid providers
If you've got bad credit, you're under 18 or a new resident of the UK, you might have found it tough to be accepted for a mobile SIM only contract.
There are many reasons people fail a mobile credit check but the important thing to remember is:
It's nothing to worry about. There are still plenty of guaranteed SIM only deals out there with no credit check to pass.
The only difference between these deals and full-on SIM only contracts, is that you pre-pay for your monthly minutes, texts and data, instead of receiving a bill each month.
Choose what you want in your deal:
Show only results from selected networks:
✔ No contract means no credit check
These aren't specifically 'bad credit SIM only contracts'. They're actually just pre-paid rolling plans that let you buy a bundle of minutes, texts and data up front each month. And they're open to absolutely anyone.
When you pay for everything up front, there's no contract, no bills at the end of the month, and so no credit check needed.
It's simple and it means you're guaranteed to be accepted, even if you come under one of the following categories:
So that's how they work, now here are the cool things about this type of SIM deal:
Because you're not locked into a fixed contract, you're free to do what you like with your SIM.
You choose when and if you buy your monthly bundle, which means you get the advantage of all these options:
Paying up front doesn't have to be a pain. All these networks let you set your bundle to automatically renew each month - so you don't have to remember to do it yourself.
Here's how you can save yourself time:
✔ Get accepted by paying up front
As long as you join on a pre-paid or Pay As You Go SIM only deal on any network, you're guaranteed to be accepted, as there's no credit check to pass.
If you've got a particular network you want to join, click their logo below to skip to the section in this article about their deals and how to join:
✔ By paying up front, you skip the need for a credit check. We've ranked these networks in terms of value.
✔ You'll get £5 free credit ordering via our invite page
With their monthly pre-paid bundles called 'Goodybags' starting from just £5 a month, giffgaff are winning lots of awards. And of course, none of their deals need you to pass a credit check, as there's no contract.
giffgaff use O2's reliable 4G and 3G networks to bring their customers signal right across the country and you'll enjoy identical coverage (read our giffgaff review here).
And it gets better: if you order your free SIM from giffgaff's official site via SIM Sherpa's partner page, you'll get £5 free credit on top of your first £10 top up or bundle purchase.
✔ The People's Operator give to a charity of your choice
Starting at just £5 a month, The People's Operator offer cheap pre-paid 4G SIM only deals with no credit check needed - so are open to anyone.
Their signal is supplied via Three's mobile network, which means they can boast reliable 98.5% UK coverage to keep you well connected just about anywhere.
And they offer the unique feature of letting you choose a cause to donate 10% of the monthly cost of your plan to, at no extra cost to you.
✔ Lyca Mobile offer UK-only bundles too
You might think Lyca Mobile are mainly about cheap calls to countries abroad. But now they've launched cheap UK-only bundles that make them a serious contender for anyone, no matter your credit history.
Their UK bundles start from £5 a month and offer 3G and 4G options, running on the O2 mobile network.
Most importantly, you don't need you to pass a credit check to join Lyca. And if you ever want to switch to one of their international plans - you can at any time.
✔ Avoid credit checks and join a big-name network by taking any one of their Pay As You Go SIM deals.
✖ Any of their other contract phones or SIMs will need you to pass a credit check
Here are the plans you're 100% guaranteed to be accepted for:
✔ You can even join EE with bad credit history
EE offer 6x bundles, which you pay for up front each month. These let you join the UK's biggest, fastest network, even if you've been turned down by EE before for any other deal.
✔ You're guaranteed to be accept for these O2 SIMs
Most of O2's Pay Monthly deals need you to pass a credit check but these rolling monthly Pay And Go bundles are open to anyone, no matter if you have bad credit history or have been declined for another deal with O2:
✔ Join Three even if you've failed a credit check
To join Three without having to pass a credit check, you can take one of their 3-2-1 SIMs. These work like traditional PAYG where you pay only for what you use (at 3p per minute, 2p per text and 1p per MB data).
But you can also buy add-ons that give you a monthly allowance of minutes, texts and data for a fixed price. Here's what's available:
Their SIM is totally free to order and you can add your add-on immediately online when you place your order.
✔ Anyone will be accepted on these Vodafone plans
There's a good choice of 4 Pay As You Go bundles available on Vodafone that will be suitable for most people.
On all these deals, you'll also get to keep any data you don't use for next month too:
✔ Take a deal where you pay up front
✖ Avoid contracts on phones or SIM only
Here are the plans you're 100% guaranteed to be accepted for:
✔ iD's pre-paid deals are open to everybody
Even if you've tried for a SIM with them already and been declined, you can still join iD Mobile on one of their Pay As You Go monthly bundles automatically
Here's what's available:
Tesco Mobile's regular SIM only contracts do come with a credit check.
But if you take one of their 'Rocket Packs' on Pay As You Go, you'll get a cheap monthly bundle of minutes, texts and 4G data, with a 100% guaranteed acceptance rate.
The bundles start from just £5 a month and you'll benefit from fast 4G supplied via O2's extensive network and flexibility to change plan whenever you want.