No credit check SIM only deals: rolling plans from the UK's top networks

100% guaranteed SIM only

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.

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How SIMs with no credit check work
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Why these deals have no credit check
Paying up front each month
Benefit from their extra flexibilty

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Compare no credit check SIM only plans

These 30-day rolling SIM only deals don't need you to pass a credit check

100% acceptance rate even if:

Green tick You have bad or no credit history

Green tick You're under 18 or are a student

Green tick You've been declined for a contract

Green tick You've just moved to the UK

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.

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How no credit check SIM only deals work

Why you're 100% guaranteed to be accepted for these SIMs - even if you've got bad credit

No contract means no credit check

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:

  • You have poor, bad or no credit history
  • You're a new resident of the UK
  • You're under 18 or are a student
  • You've been declined for a mobile contract

Getting started is quick and easy

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Order a SIM today
from the deals above
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Choose your monthly bundle
either top up or set up a direct debit with your bank
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Enjoy mins, texts and data
they'll last for the next 30 days.


So that's how they work, now here are the cool things about this type of SIM deal:

30-day bundles give you more flexibility than regular SIM only contracts

Flexibility to do what you like

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:

  • Stay on the same bundle if it's got the right mins, text and data
  • Buy a different bundle each month if your needs change
  • Take a break by not renewing your bundle until you're ready
  • Cancel altogether and leave with no notice period
In many ways, this is much better than 12-month bundle, where you're stuck on the same tariff and network for a long time with no flexibility.

Set your bundle to renew automatically each month for even more convenience

Set bundles to auto renew

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:

  • Top up with lots of credit in advance and take from that
  • Set up a monthly direct debit to buy your credit
And the best part is, if you're out of credit, the network can't charge you for your bundle. So you can never spend more than you've got. That gives you control you don't always get with pay monthly contracts.

Networks offering SIM cards with no credit check

Practically every mobile network offers some SIM only deals that don't need you to pass a credit check

Green traffic light

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:

EE logo
giffgaff logo
iD Mobile logo
O2 logo
Tesco Mobile logo
Three logo
The People's Operator logo
Vodafone logo

These networks specialise in pre-paid deals...

By paying up front, you skip the need for a credit check. We've ranked these networks in terms of value.

1) giffgaff offer cheap 4G monthly bundles using O2's network

giffgaff logo

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.

2) The People's Operator offer 4G deals via Three's network and also donate to charity at no cost to you

TPO logo

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.

3) Lyca Mobile aren't just for making international calls: they also offer low-cost UK-only bundles without a credit check

Lyca Mobile logo

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.

Or join a major network on a pre-paid (Pay As You Go) rolling monthly deal

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:

Join EE without having to pass a credit check with their monthly Pay As You Go packs

EE Logo

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.

Monthly cost Minutes Texts Data
£5 50 250 150MB
£10 150 Unlimited 500MB
£10 100 1000 1GB
£15 500 Unlimited 2GB
£15 250 Unlimited 4GB
£25 1000 Unlimited 5GB

O2 will accept anyone with any credit history on this range of SIM only plans

O2 logo

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:

Monthly cost Minutes Texts Data
£10 250 1000 500MB
£10 100 100 1GB
£15 750 2000 2GB
£20 1500 4000 3GB
£25 3000 4000 5GB
£30 3000 4000 20GB

With Three you can avoid a credit check with a 3-2-1 SIM card on Pay As You Go

Three Logo

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:

Monthly cost Minutes Texts Data
£10 100 3000 1GB
£20 300 3000 12GB

Their SIM is totally free to order and you can add your add-on immediately online when you place your order.

Vodafone's Big Value SIM bundles don't need you to pass a credit check

Vodafone logo

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:

Monthly cost Minutes Texts Data
£10 150 Unlimited 500MB
£15 250 Unlimited 1GB
£20 500 Unlimited 4GB
£30 Unlimited Unlimited 12GB

These other providers also offer rolling deals with no credit check

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 Mobile now have some pre-paid deals with no contract

iD Mobile Logo

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:

Monthly cost Minutes Texts Data
£5 125 500 100MB
£10 500 Unlimited 1GB
£15 1000 Unlimited 4GB

Some of Tesco Mobile's 4G SIM only deals don't need you to pass a credit check

Tesco Mobile logo

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.

Deals everyone is guaranteed to be accepted for

No contract = no credit check
all these SIM only deals are free from contracts and credit checks
100% guaranteed accept rate
even if you've been turned down for SIM only contracts before
No minimum age to sign up
and minimum time in the UK required

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