How to get a mobile phone with a bad credit rating

How to get a mobile phone contract with a bad credit rating

With news that thousands of UK families are plunging into debt because of rising mobile phone bills, it’s no surprise that credit companies are making it harder than ever to get a phone contract in the first place.

So if you find yourself struggling to get the latest iPhone on contract, here are a few simple tips to ensure you can still get in on the smartphone action.

Shebang “Fully loaded”

Network Shebang has created its “fully loaded” deal to perfectly suit those who struggle to pass a credit check and looking for a guaranteed contract mobile phone.

Users can get a 12 month ‘contract’ loaded with minutes, texts and data for a one-off payment. What’s more, you can get a Fully Loaded deal with absolutely no credit check!

If you’re happy to keep your existing handset and phone number, for less than £40 per year you can get 100 minutes, 100 texts and 100MB of data. Alternatively, you can double your package, receiving 200 texts, minutes and megabytes of data for just a £70 one-off cost.

Alternatively, check out our range of Shebang offers packed full of minutes, texts and megabytes of data starting at just £13... 

SIM Only Contracts

If it’s important that you have the latest phone that’s out there, like the iPhone 5s or Samsung Galaxy S4, then SIM Only contracts might be the way to go.

Although you will still have to go through a credit check in order to get a SIM Only contract, because you’re not acquiring a free handset with the deal, companies see you as less of a financial risk.

Therefore, you can easily get the exact number of minutes, texts and data that you need for a tiny portion of the cost of an ordinary mobile phone contract.

Either put the SIM card into your existing phone to save yet more costs, or buy the handset that you want SIM free to make sure that you don’t get left behind!

The Acer Liquid Z3 can be bought for less than £100!


Or, if neither of the options above suits you, why not go down the old fashioned Pay As You Go road to keep things simple.

Three in particular offers a great value PAYG tariff, with text messages costing just 2p, calls 3p/minute and data 1p/megabyte.

What’s great is that you don’t necessarily have to change your number when you switch to PAYG, and if you can rest assured at night, knowing that you’re not racking up tens of pounds of bills that you don’t know you’ve acquired until the end of the month.

If you found this useful, why not check out our SIM only contracts page? Alternatively, here are a few tips about how to manage your mobile phone bills


Many main stream networks will ask for a deposit or point blank refuse you for a contract agreement.

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