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Fed up with the big three's limited options, perplexing bills, and steep prices?
Boasting about their record profits and unveiling plans for yet more price increases, it's clear big wireless has not fully grasped the needs of all consumers, especially those with less-than-perfect credit.
With over a decade of experience in the wireless industry, I've seen the gap between high costs and accessible service widen dramatically.
However, if you're worried about your credit, it's easier than ever to get a cell phone bill at an affordable price.
To ease your search, I've thoroughly reviewed 30 alternative carriers and over 100 prepaid phone plans.
To save you time, I have excluded carriers that:
- Only offer unlimited data plans
- Only advertise multi-line prices
- Have confusing phone bills with unexpected fees
- Lure customers with "free" phones
- Constantly try to upsell additional lines
- Bundle plans with unnecessary subscriptions
- Need loads of small print to explain their offers
- Want you to go to a store
- Need a commission-based salesperson
- Reward customer loyalty with increased prices
What might come as a surprise is the abundance of options available, offering the same 5G & 4G LTE wireless networks at a fraction of the cost.
So if you're concerned about credit checks and are seeking a flexible, affordable plan, I've compared the best value carries across all three major networks, tailored to suit a range of needs and budgets.
The best value no contract phone plan will depend on the network you prefer and your cell phone usage, but rest assured that there are plenty of options available.
Best no credit check plan on T-Mobile
These are the top 3 plans from low-cost carriers with T-Mobile coverage to consider.
Cheap T-Mobile plan
Tello 2GB plan
- T-Mobile coverage
- Unlimited talk and text
- Instant eSIM activation
Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.
With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users. Check out our review about best phone plans on T-Mobile.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free international calling to 60+ countries
- Free mobile hotspot included
- Excellent score on Trustpilot
- eSIM compatible
Cons
- No international roaming
- No multi-line discounts
- Not only are their plans affordable for all budgets, but you can build your own plan. Depending on your usage, you get to choose how much data, minutes, and texts you need, so you're not paying for stuff you don't use.
- It's always worth checking your data usage as a set data plan could save money and help restrict excessive phone usage.
- Mobile hotspot is available with a limit of 5 GB of data.
- Tello doesn't offer any discounts if you purchase multiple lines, so if you're looking to get a plan for another family member, each line is billed as a single line at full price. However, you can still save money due to the low cost of their individual plans.
- Being online-based means that activation of an eSIM plan can take just a few clicks, or you can have a SIM card mailed to you.
Best family plan on T-Mobile
Mint Mobile 15GB plan
- T-Mobile coverage
- Unlimited talk and text
- Instant eSIM activation
Mint Mobile phone plans are powered by the T-Mobile network, providing the same great service at a lower cost. They offer various data allowances, including an unlimited plan with 40GB of high-speed data and unlimited talk and text.
With Mint Mobile, their transparent messaging shows how you can save more money the longer you commit. Check out our review about best family plans on T-Mobile.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free calls to Mexico and Canada
- Free mobile hotspot with all plans
- eSIM compatible
Cons
- No international roaming
- Limited customer service
- 3-month minimum sign-up
- Mint Mobile offers mobile hotspot access with all of their plans. So you can use your phone to tether to tablets or other mobile devices, and the unlimited plan includes a 10 GB hotspot data limit.
- A minimum 3-month upfront commitment is required to subscribe. The longer commitment period means cheaper prices. Choose a 3, 6, or 12-month pricing structure available after initial commitment.
- If you're unsatisfied, Mint Mobile offers a 7-day money-back guarantee.
- You can bring your own device, so there's no need to buy an expensive iPhone. However, if you prefer a new smartphone, there are many options available, including iPhones, Samsung, and other Android models like Google Pixel, with a 0% finance over 1-2 years.
- With the Mint Mobile app, you can easily monitor your usage and manage multiple lines and plans.
- One downside is that international roaming is an additional cost, and although you get free calls to Canada and Mexico, other international countries are extra.
Best unlimited plan on T-Mobile
Tello unlimited data plan
- T-Mobile coverage
- Unlimited talk and text
- Instant eSIM activation
Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.
With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users. Check out our review about best unlimited data plans on T-Mobile.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free international calling to 60+ countries
- Free mobile hotspot included
- Excellent score on Trustpilot
- eSIM compatible
Cons
- No international roaming
- No multi-line discounts
The table below demonstrates that choosing the Tello unlimited data plan would save you $600 per year compared to buying an unlimited data plan from T-Mobile directly.
T-Mobile | T-Mobile coverage at a fraction of the cost | ||
---|---|---|---|
See at Tello | See at Mint Mobile *$45 for 3 Months | See at Tello | |
T-Mobile 4G & 5G | T-Mobile 4G & 5G | T-Mobile 4G & 5G | |
Unlimited data *not unlimited | 2GB data | 15GB data | Unlimited data |
$75/mo | $10/mo | $15/mo* | $25/mo |
$900/yr | $120/yr | $225/yr | $300/yr |
1.4 on Trustpilot | 4.5 on Trustpilot | 3.3 on Trustpilot | 4.5 on Trustpilot |
Annual savings | $780/yr | $675/yr | $600/yr |
Best no credit check plan on Verizon
These are the top 3 plans from low-cost carriers with Verizon coverage to consider.
Cheap Verizon plan
Twigby Mobile 2GB plan
- Verizon coverage
- Unlimited talk and text
- Instant eSIM activation
Twigby Mobile phone plans give you the option to customize your plan and only pay for what you need. They have a range of affordable no-contract plans that are powered by the Verizon network, so you don't have to sacrifice quality for flexibility.
Plus, if you have loved ones abroad, Twigby Mobile offers free international calling to 80 countries. Check out our review about best phone plans on Verizon.
Pros
- Verizon 5G & 4G LTE wireless coverage
- Free international calls to 80+ countries
- eSIM compatible
- Free mobile hotspot access
- Excellent score on Trustpilot
Cons
- No multi-line discounts
- No International roaming
- Offering a selection of customizable wireless plans with a range of data options, with Twigby Mobile, you can create plans, whatever your needs and budget.
- Twigby Mobile provides free international calling to 80 different countries, ideal for those with family or friends living abroad.
- Being 100% online based, you can purchase your plan from home, and your SIM card will be sent in the mail.
- Mobile hotspot allowance is available and comes out of your monthly data usage, which for unlimited plans is a maximum of 20GB.
- Twigby Mobile doesn't offer multi-line discounts, so if you're looking for more than one line, they may not be the low-cost carrier for you.
- There are no international roaming services, which may not be ideal for frequent travelers as it could result in a significantly higher monthly bill.
Best family plan on Verizon
Red Pocket 10GB plan
- Verizon coverage
- Unlimited talk and text
- Instant eSIM activation
Red Pocket Mobile phone plans are powered by the Verizon and AT&T wireless networks. And if you're looking for multi-line discounts, they're one of the best MVNOs for family plans, with a $20 discount for each additional line added.
You also get free international calls to 80 countries, so you can stay connected with loved ones abroad. Check out our review about best family plans on Verizon.
Pros
- Verizon, and AT&T 5G & 4G LTE network coverage
- Free international calls to 80 countries
- Roaming available in Mexico and Canada
- Mobile hotspot access on all plans
- Excellent score on Trustpilot
- eSIM compatible
Cons
- Limited international roaming
- With Red Pocket Mobile, not only are their plans straightforward with no hidden fees, but they also offer features like unlimited talk and text.
- Get up to 30GB high-speed data allowance with the unlimited plan.
- Mobile hotspot access is available up to 30GB on the unlimited plan, which comes out of your monthly data allowance.
- Being able to save on the whole family's bill is a benefit. You get a $20 discount for each additional line added. You'll need to pay a setup fee, but after that, choosing a family plan could save you hundreds of dollars a year.
- They offer a 7-day money-back guarantee with their eSIM plans.
- Red Pocket Mobile offers free international calling to 80+ countries, with free roaming in Mexico and Canada.
Best unlimited plan on Verizon
Visible unlimited data plan
- Verizon coverage
- Unlimited talk and text
- Instant eSIM activation
Check out our review about best unlimited data plans on Verizon.
Pros
- Great pricing
- Unlimited talk, text, and data
- Taxes & fees included in price
- User-friendly website
Cons
- Only 2 plan choices
- Data speed is capped at 5 Mbps
- Limited phone compatibility
- App-based service
The table below demonstrates that choosing the Visible unlimited data plan would save you $600 per year compared to buying an unlimited data plan from Verizon directly.
Verizon | Verizon coverage at a fraction of the cost | ||
---|---|---|---|
See at Twigby Mobile *$5/mo for 1st 3 Mths | See at Red Pocket *50% off 1st Mth | See at Visible | |
Verizon 4G & 5G | Verizon, AT&T & T-Mobile 4G & 5G | Verizon 4G & 5G | |
Unlimited data *not unlimited | 2GB data | 10GB data | Unlimited data |
$75/mo | $5/mo* | $10/mo* | $25/mo |
$900/yr | $150/yr | $230/yr | $300/yr |
1.2 on Trustpilot | 4.6 on Trustpilot | 4.4 on Trustpilot | 1.5 on Trustpilot |
Annual savings | $750/yr | $670/yr | $600/yr |
Best no credit check plan on AT&T
These are the top 3 plans from low-cost carriers with AT&T coverage to consider.
Cheap AT&T plan
Red Pocket 1GB plan
- AT&T coverage
- Unlimited talk and text
- Instant eSIM activation
Red Pocket Mobile phone plans are powered by the Verizon and AT&T wireless networks. And if you're looking for multi-line discounts, they're one of the best MVNOs for family plans, with a $20 discount for each additional line added.
You also get free international calls to 80 countries, so you can stay connected with loved ones abroad. Check out our review about best phone plans on AT&T.
Pros
- Verizon, and AT&T 5G & 4G LTE network coverage
- Free international calls to 80 countries
- Roaming available in Mexico and Canada
- Mobile hotspot access on all plans
- Excellent score on Trustpilot
- eSIM compatible
Cons
- Limited international roaming
Best family plan on AT&T
Red Pocket 10GB plan
- AT&T coverage
- Unlimited talk and text
- Instant eSIM activation
Red Pocket Mobile phone plans are powered by the Verizon and AT&T wireless networks. And if you're looking for multi-line discounts, they're one of the best MVNOs for family plans, with a $20 discount for each additional line added.
You also get free international calls to 80 countries, so you can stay connected with loved ones abroad. Check out our review about best family plans on AT&T.
Pros
- Verizon, and AT&T 5G & 4G LTE network coverage
- Free international calls to 80 countries
- Roaming available in Mexico and Canada
- Mobile hotspot access on all plans
- Excellent score on Trustpilot
- eSIM compatible
Cons
- Limited international roaming
Best unlimited plan on AT&T
Red Pocket unlimited data plan
- AT&T coverage
- Unlimited talk and text
- Instant eSIM activation
Red Pocket Mobile phone plans are powered by the Verizon and AT&T wireless networks. And if you're looking for multi-line discounts, they're one of the best MVNOs for family plans, with a $20 discount for each additional line added.
You also get free international calls to 80 countries, so you can stay connected with loved ones abroad. Check out our review about best unlimited data plans on AT&T.
Pros
- Verizon, and AT&T 5G & 4G LTE network coverage
- Free international calls to 80 countries
- Roaming available in Mexico and Canada
- Mobile hotspot access on all plans
- Excellent score on Trustpilot
- eSIM compatible
Cons
- Limited international roaming
The table below demonstrates that choosing the Red Pocket unlimited data plan would save you $555 per year compared to buying an unlimited data plan from AT&T directly.
AT&T | AT&T coverage at a fraction of the cost | ||
---|---|---|---|
See at Red Pocket | See at Red Pocket *50% off 1st Mth | See at Red Pocket *50% off 1st Mth | |
Verizon, AT&T & T-Mobile 4G & 5G | Verizon, AT&T & T-Mobile 4G & 5G | Verizon, AT&T & T-Mobile 4G & 5G | |
Unlimited data *not unlimited | 1GB data | 10GB data | Unlimited data |
$75/mo | $10/mo | $10/mo* | $15/mo* |
$900/yr | $120/yr | $230/yr | $345/yr |
1.3 on Trustpilot | 4.4 on Trustpilot | 4.4 on Trustpilot | 4.4 on Trustpilot |
Annual savings | $780/yr | $670/yr | $555/yr |
Best overall value plan for Bad Credit
Tello unlimited data plan
- T-Mobile coverage
- Unlimited talk and text
- Instant eSIM activation
Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.
With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users. Check out our review about best cell phone plans.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free international calling to 60+ countries
- Free mobile hotspot included
- Excellent score on Trustpilot
- eSIM compatible
Cons
- No international roaming
- No multi-line discounts
Big wireless: Big prices, big profits, little value
The average phone bill is $155 per month, and while 38 million Americans live in poverty, the government cut funding to the Affordable Connectivity Program, which was assisting 22 million low-income families with subsidized internet and cell phone service.
At the same time, the big three spent January celebrating record profits and multi-billion dollar shareholder dividend payouts while simultaneously announcing yet more price hikes.
So, big wireless continues to raise prices, and the government drops assistance to those in need. However, you do have options, so the power is in your hands.
Take back control of your phone bill
A big wireless unlimited plan will cost you $1,600 extra over the next 3 years compared to getting the same service from an MVNO.
A big wireless unlimited data plan will cost you $2,700 over the next 3 years for just 1 line. In comparison, unlimited plans from a low-cost carrier over the same period would cost only $900.
So, buying directly from Verizon, T-Mobile, or AT&T is now 3 times more expensive for the same coverage. This does not include fees and taxes or future price hikes.
Why is it so much more expensive to buy the same service directly?
With big wireless, you are paying for multi-billion dollar ad campaigns, stadium sponsorships, and thousands of stores with commission-based salespeople - all these expenses get passed onto you to maximize profits and dividend payouts.
With this next generation of MVNOs, you switch online and just pay for phone service.
Cut your phone bill, not your coverage
These low-cost carriers offer a great alternative with transparent pricing, a range of data plans to customize to your needs, and more highly rated customer service.
You can keep your phone, number, coverage, and most importantly, your money!
Even better, it's quick and easy. You can complete the entire switching process online in minutes with an eSIM-compatible phone.
So, now is the time to re-evaluate your options, take back control of your phone bill, and free yourself from price hikes forever!
Compare the cheapest bad credit cell phone plans
Carrier | Data | Monthly Price | Annual Price | Savings | |
---|---|---|---|---|---|
Tello | 2GB | $10/mo | $120/yr | $780/yr | See at Tello |
Mint Mobile | 15GB | $15/mo* | $225/yr | $675/yr | See at Mint Mobile *$45 for 3 Months |
Tello | Unlimited | $25/mo | $300/yr | $600/yr | See at Tello |
Carrier | Data | Monthly Price | Annual Price | Savings | |
---|---|---|---|---|---|
Twigby Mobile | 2GB | $5/mo* | $150/yr | $750/yr | See at Twigby Mobile *$5/mo for 1st 3 Mths |
Red Pocket | 10GB | $10/mo* | $230/yr | $670/yr | See at Red Pocket *50% off 1st Mth |
Visible | Unlimited | $25/mo | $300/yr | $600/yr | See at Visible |
Carrier | Data | Monthly Price | Annual Price | Savings | |
---|---|---|---|---|---|
Red Pocket | 1GB | $10/mo | $120/yr | $780/yr | See at Red Pocket |
Red Pocket | 10GB | $10/mo* | $230/yr | $670/yr | See at Red Pocket *50% off 1st Mth |
Red Pocket | Unlimited | $15/mo* | $345/yr | $555/yr | See at Red Pocket *50% off 1st Mth |
Check out our no contract cell phone comparison to find the best deal.
How to choose the best value carrier for bad credit
- Preferred network: If you've got bad credit and are looking for a cell phone plan, network coverage remains a top priority. Thankfully, low-cost carriers offer the same 5G & 4G LTE wireless networks on their no-contract plans.
- Data allowance: Contrary to the push for unlimited data plans by the big three, your actual data needs might be lower, as the average monthly cellular data use is around 10GB due to most of us having Wi-Fi access at home and work.
- Hotspot data: Data usage through tethering may be limited based on the carrier and chosen plan. Some MVNOs also provide data-only plans, ensuring you can stay connected on devices like tablets or laptops even without Wi-Fi if this is important to you.
- Monthly price: While unlimited plans from the big three can be costly, MVNOs offer more budget-friendly options, with plans starting from $5-35 per month without compromising on coverage and there are no contracts. Always check for hidden fees and taxes as some carriers are more transparent than others.
- How many lines: Big wireless often advertises lower prices for bundling multiple lines, but MVNOs provide transparent, competitive pricing even for single lines. This is great if you're managing their expenses closely due to credit concerns, but if you need a plan for the whole family, most MVNOs also offer discounts for additional lines added.
- Bringing your own phone: With low-cost carriers, you can bring your own phone. This can help cut your monthly costs by bringing your current device with you. Just make sure it's compatible if you're switching networks.
- Promotions: While promotions from the big three might appear attractive, they often entail long-term commitments and hidden costs. In contrast, many MVNOs offer straightforward, transparent promotional pricing for new customers, an appealing option if you're seeking clear and manageable expenses.
- Perks: Be wary of "free" subscription offers. These are mostly with big wireless, but some MVNOs offer these perks. Is it something you really need, or are you just adding unnecessary extra costs to your bill?
- International calling: If you have loved ones abroad, there are a number of low-cost carriers that offer free international calling with their plans. Make sure to check that the countries you need are included.
Check out our cell phone plan comparison to ensure you find the best deal.
Find the best phone service in your area
Bad credit phone plans FAQs
Many low-cost carriers, such as Tello and Mint Mobile, offer prepaid cell phone plans with no contracts or credit checks.
Yes, it's possible to get cell phone service with bad credit. Many low-cost carriers offer prepaid cell phone plans, which do not require a credit check.
Recap: What is the best bad credit cell phone plan?
The major networks continue to signal their intention to escalate prices, a move that seems more about boosting their profits in a crowded market than addressing any real economic necessity.
This strategy places an undue burden on all consumers, particularly those with bad credit who are already navigating financial challenges.
But there's good news. You can get access to the same cell phone service at a significantly lower cost, potentially saving up to $600 annually per line.
If you have bad credit and are looking for a new cell phone plan, I recommend exploring our cell phone plan comparison to help you find the best phone plan with no contract and start saving today.
How we choose the best carriers and plans
To select the best carriers and plans, MoneySavingPro's team of experts evaluated over 30 different carriers.
Carriers were rated in five categories, with a star rating from 1-5, with 5 stars being the best. We then calculate the overall star rating using the five categories:
- Value for money: We compare carriers based on price, features, benefits, and promotions. It's not just about the lowest price but getting the most bang for your buck.
- Coverage: We look at network 5G and 4G LTE coverage across the US. We use coverage maps to determine service availability and data speeds in urban, suburban, and rural locations.
- Customer experience: We take into account items such as current user experience, website and app usability, ease of switching, and customer service in terms of availability, channels, and satisfaction ratings.
- Transparency: We assess whether carrier pricing is clear and straightforward. We examine the fine print to check for hidden fees, confusing terms or conditions, and misleading offers to ensure upfront, honest prices and advertising.
- Range of choice: We evaluate the diversity of plan options to determine if they fit the individual needs of all customers.
Read more about our carrier ratings methodology and our editorial process.
We regularly update our comparisons. Updating cell phone plans weekly and our content monthly to ensure we are showing the latest and most accurate information.