Top 10 (Providers) No Credit Check Phone Plans 2021

Last Update On: February 2, 2021 // Article Written By:

If you are struggling with the credit score or financing issues while going to purchase phone plans?  Don’t worry, you are not the only one alone with this problem.  According to CreditLoans.com, around 30% of Americans don’t have a decent amount of credit score to show for purchasing Wireless plans. Most individuals are thinking that Cell phone providers are disqualifying the customers just because of their credit check or bad credit score. This credit check hassle can be avoided if the providers think about it. Many prepaid and postpaid carriers are offering no credit check phone plans.

If you are looking for a flagship smartphone that is pricing more than 1000 dollars, then the carriers will look for your credit score before offering you any of their device payment plans. At that stage, You may have to put out more money down upfront or you may not be able to finance your phone at all. As cellphones remain one of the most important extensions of our daily life, getting access to a better one is a must in this moving world. If you have a bad credit score or no credit history, you may have to switch for some additional scopes of getting no credit check phone plans instead. 

Ways Of Getting A Cellphone Plan With No Credit Check

Here we will mention some of the ways and by following those ways you will be able to get a cellphone plan without any sort of credit check. These ways are constituted in four categories and after that, we will mention some of the providers that are providing these no credit check plans. Too much talking huh! Let’s move on to the way outs.

Go For A Prepaid Carrier

Prepaid cell phone plans are the ones that don’t require a credit check procedure. That is why you have to pay in advance for your selected service, basically on a monthly basis, so there is no risk for the provider of the cell phone. There are four major carriers that are offering prepaid plans, often for less than their conventional plans. They are Verizon, AT&T, Sprint, and T-Mobile, etc. 

There are more other carriers that are offering prepaid services and they are like Cricket Wireless, Boost Mobile, and much more. These mentioned carriers used to offer prepaid plans at a cheap budget rate with no contracts and no credit check required. There are many other carriers that are owned by those major companies AT&T and Verizon. And more often they are working on the same networks of their owner companies. Nevertheless, they are able to offer prepaid plans at a pretty affordable budget range than those carriers. 

There is a drawback, there is no specific commitment with all those prepaid no credit check phone plans whatsoever, you can not pay for your phone in sections like you were able to do with a regular plan. The price can range from as little as 1 dollar to hit more than 500 dollars, it mainly depends upon the phone you are going to pick. But after all, you may be able to dodge the upfront expenses of a new phone just by using your existing carrier plan. 

Join For A Family Plan

Shifting for a family plan is a great idea when you are in the hype of saving a little bit of credit from your pocket. Most of the carriers are offering family no credit check phone plans for cell phones, and some of them will let you have as many as 10 lines on only one plan. Although the main account holder will have to have a credit check availability to kick off the service. And for those users who are using the shared additional lines don’t have to show any elements of the credit. The most interesting thing is if you don’t pay the bill the main account holder has to pay the price on behalf of all the users.

If you are willing to join for a family plan then you can save a pretty much decent amount of money from your overall monthly costs thus a noticeable amount in the overall year’s expenses. As well as you will be able to dodge the credit check procedures with ease. For example, if you are moving for a single line plan an unlimited plan will cost from 65 dollars to 85 dollars with a conventional carrier. On the other hand, if you are moving for a family plan that is an unlimited plan and split in four ways this will cost you as little as 45 dollars per individual.

Pay For A Security Deposit 

This is another technique in which you can get no credit check phone plans in a trouble-free easy way. If you first pay a security deposit in companies, you will be able to get a cell phone plan without the checking procedure of credit history. The amounts you are depositing will differ according to the carrier and your credit score, but they can go up to more than a hundred dollars. 

No to mention, the deposits are mainly depending on usually per each line. So if you are willing to multiply your phone lines, you may need to pay more deposits according to your number of lines. Most of the providers will return your deposit after the time frame of a year if you periodically pay your bill on time.

Try To Find Or Manage A Co-Signer

This is one type of accessing personal loan for those who have bad credit, this method may be a better way for getting you to rent to own cell phones no credit check plans easily. If you are able to manage a co-signer who has good credits, then you will be able to get a cell phone plan with nearly poor credit or no credit check. Being pretty much similar to a personal loan, the whole account will be placed in the name of the co-signer. It easily defines that if you don’t pay the bill on time, the co-signer person will be responsible for that.

The co-signer also has an option to shift the account to your name. A majority of the carriers will run your credit at the time of doing it, but it doesn’t indicate that you only have to spend for the deposit. As an example, if you are with T-mobile then you will be able to move the account to your name after the usage of 60 days. Nonetheless, the provider will check your credit score but it won’t force you to deposit because the account has been opened before. A matter to note that, each one of the carriers has different policies for handling this thing. 

Top 10 (Provider) No Credit Check Phone Plans 2021

Here we will mention some of the prepaid providers that offer lease cell phone No credit check plans in easy and simple ways. As we have demonstrated that going for a prepaid plan is one of the easiest options for accessing no credit check phone plans. We have mentioned detailed methods in the above, let’s move on to the thing that you are waiting for. 

1. AT&T Prepaid Plan For No Credit Check

AT&T Prepaid Plan For No Credit Check 

AT&T is one of the largest telecommunications service providers in the United States. It also provides prepaid plans which don’t require any sort of credit checking procedures at all. From AT&T, you can also go for iPhone financing no credit check. Here we are mentioning some of their services below.

Plans And Features

  • If you are looking for a budget conscious option then it has full speed 5GB data packs at 30 dollars per month
  • AT&T has a big deal which is adding 3 times more internet within  just a 10 dollars extra
  • In advance payment offers, it delivers 8 GB of high-speed data for 12 months after 300 dollars advance payment 

2. Boost Mobile Prepaid Plans

Boost Mobile is another wireless telecommunication brand that is widespread in Australia and the United States and it is founded in 2000. Boost Mobile also has some of the best Prepaid cell phone plans you can choose for without the hassle of credit checking. Here are a couple of plans mentioned below. 

Plans And Features

  • Boost Mobile provides a Shrink IT plan which offers 15 GB full speed internet services at only just 35 dollars per month. 
  • It also has  a free sim plan with internet services starting at 10 dollars per month
  • Boost Mobile also has an unlimited data plan starting at 50 dollars per month

3. Cricket Wireless no credit check cell phone Plans

Cricket Wireless is a great carrier option for you if you are looking for no credit check phone plans. Cricket Wireless provides easy prepaid plans choices for consumers with bad credits or no credit history. Let’s have a look at them. 

Plans And Features

  • They have a 2 GB high data speed allowance at the monthly rate of 30 dollars
  • And if you are willing to spend more than 10 dollars you will get 10 GB of data plans with high-speed features
  • A plan named “Cricket Core” Starting at a price rate of 55 dollars per month with 8 Megabits per second speed and HD video streaming features
  • Go to “Cricket more” For getting a nationwide 5G full speed coverage and an extra 15 GB hotspot sharing feature starting at 60 dollars per month

4. Google Fi for no credit check phones Plan

Google Fi is another mobile plan provider that ensures users a different kind of mobile plan with the best features and services. Google says that they are providing better services and smarter coverage at similar prices compared with the other carriers. You will be able to use the flexible plans without any concerns with the help of Google Fi.  

Plans And Features

  • Google Fi offers flexible plans for 3 peoples with just 50 dollars and it serves 10 GB in just 17 dollars for each person
  • And for the unlimited plans, it has 150 dollars package for 3 peoples and it distributes just 50 dollars for each person
  • The best thing about these Google Fi packs is they don’t overcharge you for any data usage, they will charge that much you use every month, a clear bill accountability

5. Metro by T-Mobile no credit check smartphone plan

Metro by T-Mobile no credit check smartphone plan

Metro By T-mobile is a great option for the peoples who are looking for a better 5G option within an affordable price. For getting a prepaid no credit check phone plan you can rely on Metro Mobile without any doubt. Metro also has no extra activation fees or charges for switching. Let’s have a look at the plans from the Metro.

Plans And Features

  • Metro has a plan for four lines starting at just 25 dollars per line per month and it is their cheapest plan which provides unlimited data services
  • They also have a data plan of 10 GB high-speed internet pack starting at 40 dollars per month
  • For up to 5 lines you will be able to get unlimited data services with lots more only just at 150 dollars per month

6. Net10 Wireless for no credit check plans

Net10 Wireless is one of the best providers of prepaid plans which ensures pretty much a handful of plans without any credit check hassles. Net10 Wireless is the parent organization of TracFone. Net10 Wireless has smartphone plans with pay as you go features and prepaid plans for no credit check phone plans. Here are the prepaid plans for Net10 wireless.

Plans And Features

  • It has a prepaid 8 GB offer starting at just 40 dollars per month with the high-speed internet
  • And just for 45 dollars, you will be able to enjoy 600 minutes and unlimited texts for 2 months period
  • The matter of concern that, we were unable to find any sort of unlimited data and calling plans from it, they provide data and calling plans separately

7. Republic Wireless no credit check phone plans

Republic Wireless has one of the most affordable phone plans and services including calling, texting, and data features. Republic claims they are one of the best providers which is covering almost 99% of Americans in terms of providing no credit check phone plans. Their plans are pretty much flexible and affordable which anyone can get access to.

Plans And Features 

  • It has a flexible plan that combines all services, 5 GB of 4G LTE data, unlimit6ed texts, and minutes starting at just 15 dollars per month
  • And if you move for this plan for entire 1 years you will get all the services  for 12 months at just 150 dollars
  • Republic Wireless has the award winning support for phone plans and coverages without any contracts or hidden fees

8. T-Mobile Prepaid for No Credit Check Phone Plans

T-Mobile Prepaid for No Credit Check Phone Plans

T-Mobile is one of the major telecommunication services that are providing a variety of offers and loans to the customers. Amongst America’s largest mobile service providers T-Mobile is the leading one. It has prepaid plans at no contract and credit check. Let’s have a look at the plans of the T-Mobile Prepaid service.

Plans And Features 

  • T-Mobile has a plan named ‘essential’ and it starts at just 26 dollars per line per month with the basic and essential features, and for 4 lines it will cost 105 dollars
  • And in the Magenta Plan, it will cost 140 dollars per month for just four lines, and for just a single line it will cost 35 dollars
  • In just 50 dollars per month, you will be able to get unlimited data plans and services within a single line

9. Ting Mobile No Credit Check Phone Plans

Ting is for those who want to save a decent amount of money from their monthly phone data and calling cost. Most of the users have set good reviews about the plans and services of Ting. All plans include unlimited talk and text and a standard amount of data with great speed. 

Plans And Features

  • In Ting “Flex” Plan, you will be able to get unlimited talking and texting services with LTE data starting at just 10 dollars and you will get additional GB’s at just 5 dollars extra payment
  • Ting has a “Set 5 “ Plan which covers 5G full speed 5 GB data and limitless talk and text facility at just 25 dollars per  month
  • The unlimited plan starts at 45 dollars per month which has Unlimited data, talk, text and it also has an additional 12 GB hotspot features at full speed 5G speed

10. Verizon Prepaid for no credit check phone plans

Amongst all the major tech carriers and providers, Verizon is a common one. Verizon covers all the prepaid plans and offers with no contract and credit check procedures. Its prepaid plans will also let you save a decent amount of money while shifting for the plans and offers. It also offers contract phones no credit check no deposit with easy procedures. Here are some of the plans and offers enlisted below.

  • Get the basic or moderate data plan of just 5Gb per month starting at 25 dollars per month from Verizon Prepaid
  • Enjoy 15 GB data monthly just at 35 dollars per month and save a huge amount of money
  • In terms of the Unlimited Plans, it has both high speed 4G and 5G data plans covering at consecutively 50 and 60 dollars per month

Final Verdict

We have mentioned all the ways and methods of how you can get no credit check cell phone financing plans. Amongst all the ways we have highlighted the way of “Going for a prepaid Carrier” in this content. All the carriers have some of the specialties and discounts in their overall programs. All the programs or plans may not suit you. But in accordance with the contract-free, credit check free plans we can mention some which have greater offers. 

The Google Fi and republic wireless have pretty much separate plannings than the other carriers. They charge 15-20 dollars for the unlimited text and calling facility. And each of the carriers consumes 5 dollars per gigabyte. But in terms of discounts and flexibility, you can go for the plans of Google Fi and Ting. The prices of these plans are in a bit limit of 10 to 150 dollars, and it is a moderate rate for monthly or yearly phone(text, data, calling) plans.

Going for a prepaid plan for a phone is a wise choice. This will build up your credit score rapidly without letting you know about the costs at all. If the cost goes too high for you, even you have options, go for a family plan instead. 

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About The Author - Rony Jahid

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