If you have read our previous post on how to check if you’re eligible for a contract phone with bad credit, you’re now ready to find out how to actually get these contract phone deals.
First things first, long term phone contracts require a credit check, which of course we’re trying to avoid. This means there’s a limit to the quality of phone contract deals you will be eligible for. Even in the absence of a credit check, you would still have to provide some details for identification and risk assessment when trying to apply for a contract phone. These details include:
Some form of identification showing your name and other details as well as proof that you are above 18
A statement of account from your bank showing your financial details
Credit or debit card details
It is often required to be included on the electoral roll in order for the company to confirm your address
What Kind of Phone Contract can you get without credit checks?
The most common no credit check phones are SIM-free mobile phones. SIM-free phones give you the flexibility to use any service provider’s SIM on your mobile phone. Keep in mind that this is only the first step as you will still have to purchase a SIM pack on contract without the credit check requirement.
Here’s where we have to point out an advantage as well as a disadvantage of this process. The advantage is that getting a Sim-only contract is not so expensive and you can get budget-friendly prices for that. However, to apply for a contract phone without credit checks, you will have to make a higher upfront payment as the risk to the lending organization is higher. Also, the overall payment plan might be slightly higher than the others. Again it’s only fair that the lender hedges against the risk of not requiring a credit check.
