Need a new smartphone but want to skip the credit check? In 2025, there are smart, flexible ways to get the latest phones with active mobile plans — all without hard inquiries or upfront payments. Here’s how to secure a device contract that works for your budget and your privacy.

Why choose no credit check options?

✅ 1. Why skip the credit check?

Traditional phone contracts often require a hard credit pull, leading to denial or extra deposits. But many users — students, freelancers, newcomers — prefer services that offer phone + plan bundles with no credit reporting or long-term obligation.

✅ 2. Top no-credit phone plan providers (2025)

🇺🇸 USA:

SmartPay – Lease-to-own phones with prepaid or unlimited plans. No credit required.

Verizon Prepaid – Use your own device or lease a new one. No contract, no credit check.

Mint Mobile + Affirm – Buy a phone through Affirm and activate with Mint’s 3- to 12-month plans.

🇬🇧 UK:

Raylo – Rent the latest phones with SIM-only plans, no credit score required.

Fonehouse No Credit Check – Refurbished devices with flexible tariffs.

Klarna + SIM provider – Buy phone upfront with Klarna, add any SIM-only plan later.

✅ 3. What’s included?

You typically get:

A new or refurbished phone (iPhone, Samsung, etc.)

Flexible monthly plan (data + calls/texts)

No contract or soft eligibility check only

Ownership or upgrade options after 12–24 months

📌 No large deposits or hidden fees – monthly pricing is fixed and clear.

✅ 4. Who qualifies?

Age 18+

Debit card or bank account

Valid ID or SSN (US) / address verification (UK)

No recent fraud flags in payment history

🛑 No hard credit inquiry is performed in most offers.

By

AI-Assisted Content Disclaimer

This article was created with AI assistance and reviewed by a human for accuracy and clarity.