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Best No Credit Check Cell Phone Plans in 2021

Compare cell phone companies for bad credit

Cheap plan
1GB 4G/5G data
$10 per month
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Unlimited plan
Unltd 4G/5G data
$30* per month
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* $90 for 3 months Service
5G plan
2GB 4G/5G data
$11* per month
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* Extra 20% Off with code: MSP20
Cheap cell phone plans starting at $10/mo - Compare Now
Find the best phone plans in your area

In these uncertain times, the last thing you need is to be tied down by an expensive phone contract.

Switch to a no contract cell phone plan today and feel the freedom. It's simple. Pick features you need, pay for what you use. If you're still not sure switch carriers again.

We figure it's a win-win. Pay less, without any sacrifices and change plans when you want.

Tello SIM Card - Best cheap no credit check plan - TelloTello SIM Card - Best cheap no credit check plan - Tello
Minutes
Unlimited
Texts
Unlimited
Data
1 GB
Price
$10/mo
Editors Take
5 / 5
Plans
PlanMinutesTextsDataPrice

Tello Unlimited Talk & Text

Unlimited

Unlimited

0GB

$8

Tello 1GB Data

Unlimited

Unlimited

1GB

$10

Tello 2GB Data

Unlimited

Unlimited

2GB

$14

Tello 4GB Data

Unlimited

Unlimited

4GB

$19

Tello 6GB Data

Unlimited

Unlimited

6GB

$24

Tello 8GB Data

Unlimited

Unlimited

8GB

$29

Tello Unlimited Data

Unlimited

Unlimited

Unlimited

$39

Features
Benefits

Pros

  • 24/7 customer support

  • No contracts

  • Budget friendly family plans

Cons

  • No roaming

  • Coverage in rural areas

Benefits

  • Service on the nationwide T-Mobile network

  • Money-back guarantee on phones (no refunds on plans)

  • Prepaid - no contract, credit check, or activation fee

  • Bring your own phone or choose from a modest selection of new or refurbished devices

  • Keep your current phone number

  • Use of your plan data as a mobile hotspot through your phone is allowed

  • Use your minutes to call Canada, China, and Mexico

  • Minutes to other countries available as add-on

  • 24/7 customer service

Mint Mobile SIM Card - Best no credit check unlimited plan - Mint MobileMint Mobile SIM Card - Best no credit check unlimited plan - Mint Mobile
Minutes
Unlimited
Texts
Unlimited
Data
Unlimited
Price
$30/mo** $90 for 3 months Service
Editors Take
4.5 / 5
Plans
PlanMinutesTextsDataPrice

Mint Mobile 4GB Data

Unlimited

Unlimited

4GB

$15*

* $45 for 3 Months Service

Mint Mobile 10GB Data

Unlimited

Unlimited

10GB

$20*

* $60 for 3 Months Service

Mint Mobile 15GB Data

Unlimited

Unlimited

15GB

$25*

* $75 for 3 months Service

Mint Mobile Unlimited Data

Unlimited

Unlimited

Unlimited

$30*

* $90 for 3 months Service
Features
Benefits

Pros

  • Offers the latest phones with 0% finance

  • Prepay months in bulk for more savings

  • Reliable network coverage

  • Works with most GSM phones

Cons

  • No family plans

  • Minimum 3 months

Benefits

  • Operates on the nationwide T-Mobile network

  • 7-day money-back guarantee

  • Prepaid - no contract, credit check, or activation fee

  • Bring your phone or buy a Mint Mobile device

  • Keep your phone number

  • Using your phone as a mobile hotspot is permitted

  • Free calling to Canada & Mexico, affordable rates to 160+ other locations

  • Flat-rate international roaming available as an add-on feature

  • Customer service by phone on weekdays and weekends, 24/7 by virtual chat

Ultra Mobile SIM Card - Best no credit check 5G plan - Ultra MobileUltra Mobile SIM Card - Best no credit check 5G plan - Ultra Mobile
Minutes
Unlimited
Texts
Unlimited
Data
2 GB
Price
$11/mo** Extra 20% Off with code: MSP20
Editors Take
3.5 / 5
Plans
PlanMinutesTextsDataPrice

Ultra Mobile 250MB Data

Unlimited

Unlimited

0.3GB

$8*

* Extra 20% Off with code: MSP20

Ultra Mobile 2GB Data

Unlimited

Unlimited

2GB

$11*

* Extra 20% Off with code: MSP20

Ultra Mobile 3GB Data

Unlimited

Unlimited

3GB

$16*

* Extra 20% Off with code: MSP20

Ultra Mobile 6GB Data

Unlimited

Unlimited

6GB

$22*

* Extra 20% Off with code: MSP20

Ultra Mobile 15GB Data

Unlimited

Unlimited

15GB

$24*

* Extra 20% Off with code: MSP20

Ultra Mobile Unlimited Data

Unlimited

Unlimited

Unlimited

$32*

* Extra 20% Off with code: MSP20
Features
Benefits

Pros

  • Simple account dashboard

  • Unlimited international talk and text

  • Nationwide coverage

Cons

  • Customer service

Benefits

  • Coverage provided on the nationwide T-Mobile network

  • Prepaid service - no contract, credit check, or activation fee

  • Bring your own compatible GSM phone or buy one from Ultra Mobile

  • Mobile hotspot use supported

  • Unlimited global texting and unlimited calling to 80+ countries

  • International roaming credits available in $5, $10, or $20 denominations

  • International plan tier comes with uTalk - a feature that gives you up to 1250 bonus minutes to your choice of 39 additional destinations

  • Customer service available by phone, email, and chat from 6am to 6pm every day

Ting SIM Card - Best no credit check talk & text plan - TingTing SIM Card - Best no credit check talk & text plan - Ting
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$10/mo** $5 extra per GB
Editors Take
4 / 5
Plans
PlanMinutesTextsDataPrice

Ting Unlimited Talk & Text

Unlimited

Unlimited

0GB

$10*

* $5 extra per GB

Ting 1GB Data

Unlimited

Unlimited

1GB

$15

Ting 5GB Data

Unlimited

Unlimited

5GB

$20*

* $5 Off for 6 Months

Ting Unlimited Data

Unlimited

Unlimited

Unlimited

$25*

* $20 Off for 3 Months

Ting 12GB Data

Unlimited

Unlimited

12GB

$30*

* $5 Off for 6 Months
Features
Benefits

Pros

  • Simple plans for light phone users

  • Customer service

  • Nationwide LTE and 5G coverage

  • Good selection of handsets

Cons

  • Not for the data hungry user

Benefits

  • Offers coverage on both Verizon and T-Mobile

  • Prepaid service - no contract, credit check, or start-up fees

  • Bring your GSM or CDMA phone - most devices are compatible - or buy one from Ting

  • Keep your current number

  • Tethering/mobile hotspot allowed, speeds limited to 3G for GSM tethering

  • Use your plan minutes to call 60+ international locations

  • International roaming capability (at surcharged rates)

  • Extensive customer service hours by phone, chat, or email

Twigby SIM Card - Best no credit check plan for seniors - TwigbyTwigby SIM Card - Best no credit check plan for seniors - Twigby
Minutes
Unlimited
Texts
Unlimited
Data
3 GB
Price
$10/mo** 50% Off for 6 Months
Editors Take
4.5 / 5
Plans
PlanMinutesTextsDataPrice

Twigby Unlimited Talk & Text

Unlimited

Unlimited

0GB

$6.50*

* 50% Off for 6 Months

Twigby 1GB Data

Unlimited

Unlimited

1GB

$8*

* 50% Off for 6 Months

Twigby 3GB Data

Unlimited

Unlimited

3GB

$10*

* 50% Off for 6 Months

Twigby 5GB Data

Unlimited

Unlimited

5GB

$12.50*

* 50% Off for 6 Months

Twigby 10GB Data

Unlimited

Unlimited

10GB

$17.50*

* 50% Off for 6 Months
Features
Benefits

Pros

  • No hotspot/tethering charges

  • International calling and texting

  • 4G LTE coverage

  • Exclusive deals and discounts as a Twigby customer

Cons

  • Limited handset selection

  • Not for the data hungry

Benefits

  • Runs on both the Verizon and Sprint networks

  • 30-day money-back satisfaction guarantee on phones and plans (under 300 minutes, 300 texts, or 300 MB of data used)

  • Prepaid - no contracts, credit checks, or activation fees

  • Bring your CDMA device or choose from a modest selection of Twigby phones

  • Keep your own phone number

  • Use your phone and plan data as a mobile hotspot

  • Use your plan minutes to call Canada, China, and Mexico

  • Free international texting to over 180 countries

  • US-based chat support available weekdays 7am to 9pm CST and 10am to 6pm on weekends

Red Pocket SIM Card - Best no credit check plan for kids - Red PocketRed Pocket SIM Card - Best no credit check plan for kids - Red Pocket
Minutes
500
Texts
500
Data
0.5 GB
Price
$10/mo
Editors Take
4.5 / 5
Plans
PlanMinutesTextsDataPrice

Red Pocket 3GB Data

Unlimited

Unlimited

3GB

$10*

* 50% Off First Month

Red Pocket 500MB Data

500

500

0.5GB

$10

Red Pocket 10GB Data

Unlimited

Unlimited

10GB

$15*

* 50% Off First Month

Red Pocket 22GB Data

Unlimited

Unlimited

22GB

$20*

* 50% Off First Month

Red Pocket 50GB Data

Unlimited

Unlimited

50GB

$25*

* 50% Off First Month
Features
Benefits

Pros

  • Nationwide coverage

  • No contracts

  • Latest selection of phones

Cons

  • Account dashboard needs work

  • No 0% financing options on latest phones

  • Customer service

Benefits

  • Operates on all four networks - AT&T, T-Mobile, Sprint, and Verizon

  • Prepaid cell phone plans - no contract, credit check, or activation fees

  • Bring your own GSM or CDMA device and keep your phone number

  • Mobile hotspot/tethering allowed with your plan data

  • Free international calling to 70+ countries

  • Customer service available in English, Chinese, Filipino, and Spanish via chat or phone

Good2Go Mobile SIM Card - Best individual no credit check plan - Good2Go MobileGood2Go Mobile SIM Card - Best individual no credit check plan - Good2Go Mobile
Minutes
Unlimited
Texts
Unlimited
Data
3 GB
Price
$10/mo** 50% Off for 3 Months
Editors Take
4 / 5
Plans
PlanMinutesTextsDataPrice

Good2Go Mobile 1GB Data

Unlimited

Unlimited

1GB

$7.50*

* 50% Off for 3 Months

Good2Go Mobile 3GB Data

Unlimited

Unlimited

3GB

$10*

* 50% Off for 3 Months

Good2Go Mobile Unlimited Talk & Text

Unlimited

Unlimited

0GB

$10

Good2Go Mobile 6GB Data

Unlimited

Unlimited

6GB

$15*

* 50% Off for 3 Months

Good2Go Mobile 10GB Data

Unlimited

Unlimited

10GB

$35

Good2Go Mobile 20GB Data

Unlimited

Unlimited

20GB

$45

Features
Benefits

Pros

  • 4G LTE coverage

  • No contract

  • No credit checks

Cons

  • No unlimited data options

  • No app interface

Benefits

  • Coverage on the nationwide AT&T & T-Mobile networks

  • Prepaid cell phone plans - no contract, credit check, or activation fee

  • Bring your own phone or buy a Good2Go Mobile phone

  • Mobile hotspot/tethering not supported

  • International calling to over 60 countries available as affordable plan add-on; calling to other countries via add-on calling card

  • Customer service available by phone 7am - 1am EST every day

US Mobile SIM Card - Best no credit check hotspot plan - US MobileUS Mobile SIM Card - Best no credit check hotspot plan - US Mobile
Minutes
0
Texts
0
Data
2 GB
Price
$10/moFree Starter Kit with code: MSPUSM
Editors Take
4.5 / 5
Plans
PlanMinutesTextsDataPrice

US Mobile Unlimited Talk & Text

Unlimited

Unlimited

0GB

$8

US Mobile 1GB Data

Unlimited

Unlimited

1GB

$12

US Mobile 5GB Data

Unlimited

Unlimited

5GB

$15

US Mobile 12GB Data

Unlimited

Unlimited

12GB

$20

US Mobile 18GB Data

Unlimited

Unlimited

18GB

$25

US Mobile 30GB Data

Unlimited

Unlimited

30GB

$30

US Mobile Unlimited Data

Unlimited

Unlimited

Unlimited

$45

Free Starter Kit with code: MSPUSM

Features
Benefits

Pros

  • Flexible, no contract plans

  • 24/7 customer service

  • 5G coverage available

Cons

  • No international calling

  • Phone selection

Benefits

  • Coverage on either the T-Mobile or Verizon network

  • Risk-free trial: Full refund within 14 days or before 1000 talk, text, or MB's is used

  • Prepaid - no contract, credit check, or activation fee

  • Bring your own GSM or CDMA phone or choose from a small selection of phones for sale

  • Keep your own phone number

  • Mobile hotspot use available as add-on option with unlimited data plans

  • International roaming plans available with eSIMs

  • Add-ons available for talk, text, and data, with rollover

  • 24/7 customer support

No credit check phone plans in October

Check Carrier Coverage

No credit check phone plan benefits

By switching to a Mobile Virtual Network Operator, or MVNO, you're giving yourself a ton of freedom. Freedom to switch whenever you want, freedom from contracts, and financial freedom. It's just a few of the reasons why we love them.

Want to stay on the same network, keep your phone and number, get more flexibility and save your money? No contract plans from smaller carriers give you all this, and more.

Whether you're looking for coverage from T-Mobile, AT&T or Verizon's network, you'll be able to find this with an alternative carrier. The cheap cell phone plans they provide include everything you need.

  • Same great nationwide coverage: Operating on the very same networks as the big guys, alternative cell phone carriers give you the coverage you can rely on.
  • Much lower prices: Save up to $600 per year on your cell phone plan. How come MVNOs are cheaper? They don't have the huge overhead and advertising costs the big guys do.
  • No contracts: You can forget getting stuck in a two-year agreement. You decide when to switch carriers with a no contract phone plan.
  • Same cell phone service: You may be paying less, but this doesn't mean you're sacrificing great features. You can find unlimited everything plans easily. Usually, a no contract cell phone plan comes with unlimited talk and text as standard, high speed data, and mobile hotspot data features.
  • Keep your phone and number: Bring your own phone, keep your phone number and cut out pricey device payments.
  • Customize your plan: There's a huge amount of choice. Decide how much data you need, opt for unlimited or no data, unlimited data plans come at a much better price with an alternative carrier. Choose to pay as you go, minimal minutes, or unlimited talk text and data. You can pick a plan to fit your budget and your usage - not one your carrier says you need.
  • Great customer support: Happy customers are what smaller mobile providers want. And they're known for giving them their full attention. You can forget feeling like an anonymous number, lost in the crowd. Check our carrier user reviews before switching.

Best cheap T-Mobile no contract plan

Mint Mobile 4GB data plan* $45 for 3 Months Service

Unlimitedmins

Unlimitedtexts

4 GB

4G/5G data

$15/mo*

$3.75 per GB

Powered by: T-Mobile

T-Mobile vs Mint Mobile Plan Comparison

Keep your T-Mobile phone, number & coverage: Save $660 per year

CarrierNetwork Coverage4G LTE DataPriceAnnual Cost
T-MobileT-Mobile 4G LTEUnltd*$70/mo$840/yr
Mint MobileT-Mobile 4G LTE4GB$15/mo$180/yr
*Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$55/mo$660/yr

Best cheap Verizon no contract plan

US Mobile 5GB data planFree Starter Kit with code: MSPUSM

Unlimitedmins

Unlimitedtexts

5 GB

4G/5G data

$15/mo

$3.00 per GB

Powered by: Verizon & T-Mobile

Verizon vs US Mobile Plan Comparison

Keep your Verizon phone, number & coverage: Save $780 per year

CarrierNetwork Coverage4G LTE DataPriceAnnual Cost
VerizonVerizon 4G LTEUnltd*$80/mo$960/yr
US MobileVerizon 4G LTE5GB$15/mo$180/yr
*Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$65/mo$780/yr

Best cheap AT&T no contract plan

Good2Go Mobile 3GB data plan* 50% Off for 3 Months

Unlimitedmins

Unlimitedtexts

3 GB

4G/5G data

$10/mo*

$20/mo

$6.67 per GB

Powered by: AT&T & T-Mobile

AT&T vs Good2Go Mobile Plan Comparison

Keep your AT&T phone, number & coverage: Save $690 per year

CarrierNetwork Coverage4G LTE DataPriceAnnual Cost
AT&TAT&T 4G LTEUnltd*$75/mo$900/yr
Good2Go MobileAT&T 4G LTE3GB$20/mo$210/yr
*Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$55/mo$690/yr

Prepaid phone plan features

  • 4G LTE data speeds: MVNOs operate on the big cellular networks, so you pay less without sacrificing speed. As the big networks roll out 5G, more smaller carriers are able to offer 5G coverage too. So you can expect the same high-speed data.
  • Unlimited talk and text messaging: It's never been easier to find a new unlimited plan. Pretty much all no contract carriers include unlimited text and calls as standard with plans. Compare cheap talk and text plans with or without data.
  • International calls to Canada and Mexico: Keeping in touch with loved ones around the world has never felt more important, making international calling a must-havefeature. Luckily MVNOs offer some of the best international phone plans, including free calling to countries like Canada and Mexico, plus discounted rates or affordable add ons for other countries.
  • Multiline discounts: If you're used to your multi-line plan, low-cost carriers have got you. They offer the cheapest family cell phone plans out there. With many, you'll get a multi-line discount for each line addded.
  • Wi-Fi calling: If you're stuck for signal, or out of your service area when out and about, you can still make calls using this feature. With this feature calls are made over the internet instead of your cellular connection.
  • Tethering/hotspot data: Many low-cost carriers allow you to turn your phone into a hotspot and get another device online. Pick an MVNO with the best mobile hotspot plans and share your mobile hotspot data with other devices.
  • HD video streaming: Just like the big guys, some of these alternative carriers offer HD video streaming and some don't. Our articles cover which features do and don't come with a plan.

Compare cheap no credit check phone plans

CarrierNetworkMinutesTextsDataPrice
TelloT-MobileUnltdUnltd1GB$10
Mint MobileT-MobileUnltdUnltd4GB$15** $45 for 3 Months Service
TwigbyVerizonUnltdUnltd5GB$12.50** 50% Off for 6 Months
TingT-Mobile & VerizonUnltdUnltdUnltd$25** $20 Off for 3 Months
US MobileVerizon & T-MobileUnltdUnltd30GB$30Free Starter Kit with code: MSPUSM

Compare cheap no credit check cell phones

ModelConditionMemoryCompatibilityPrice
Apple iPhone 11New64GBAT&T$499
Apple iPhone 11 MaxNew64GBAT&T$899
Apple iPhone 11 ProNew64GBAT&T$799
Apple iPhone 12New64GBT-Mobile$729
Apple iPhone 12 miniNew64GBT-Mobile$629
Apple iPhone 12 ProNew128GBVerizon$999
Apple iPhone 12 Pro MaxNew128GBT-Mobile$999
Apple iPhone 13New128GBT-Mobile$829
Apple iPhone 13 miniNew128GBT-Mobile$729
Apple iPhone 13 ProNew128GBT-Mobile$999
Apple iPhone 13 Pro MaxNew128GBT-Mobile$1,099
Apple iPhone SENew64GBT-Mobile$399

Considerations when comparing prepaid phones

Here are some factors you should consider while shopping for your pre-owned device:

  • Warranties: It is possible to buy a used phone with a warranty. Length will vary depending upon the site you buy from, typically ranging from 30 days to one year.
  • Certification: Some seller sites put their phones through a rigorous inspection in order to sell them as "Certified Pre-Owned", similar to the process used with cars.
  • Shipping: Most of the time shipping is included with your purchase.
  • Returns: Return policies vary - some only allow returns if the item isn't as described while others have a 30-day no-questions-asked guarantee. Make sure you read the fine print on returns just in case.
  • Insurance: You can buy third-party phone insurance to cover your used device.
  • Financing: There are a couple of companies that offer cell phone no credit check financing. The issue is that interest rates are high and refurbished devices are very affordable so it's best to just pay in full upfront.

Cheap refurbished & used cell phones

You may see these two words used interchangeably sometimes but they're actually two different things.

  • Used: The word "used" typically describes a device that's being sold as-is. It may have cosmetic blemishes or wear and hasn't been put through any type of restoration process.
  • Refurbished: A refurbished phone has been repaired, the software cleaned out, and the device restored as closely as possible to original condition. This work may be performed by the manufacturer or by a third party, like a buyback company.

Sell your old phone for cash online

Once you upgrade to a refurbished smartphone, put more cash back in your pocket by selling your old device.

  • Make more than you would trading your phone into your carrier.
  • Quickly and easily Decluttr by shipping off the phones you no longer use.
  • Feel good about making an environmentally friendly choice!
  • Put cash in your pocket in just a few days.

No credit check cell phone companies list

AT&TT-MobileVerizon
Red PocketMint MobileTwigby
Good2Go MobileUltra MobileUS Mobile
Unreal MobileUS MobileTing
Pure TalkTingRed Pocket
h2o WirelessTelloReach Mobile
Cricket WirelessRed PocketSpectrum Mobile
Straight TalkGoSmart MobilePage Plus Cellular
Black WirelessRepublic WirelessTotal Wireless
Kroger WirelessSimple MobileXfinity Mobile
easyGO WirelessLycamobileCREDO Mobile
Optimum MobileSelectel WirelessAffinity Cellular
FreedompopBoost MobileGreatCall
Gen MobileWalmart Family Mobile
Wing
easyGO Wireless
Speedtalk Mobile

No credit check phone plans FAQs

What cell phone company does not require a credit check?

MVNOs - Mobile Virtual Network Operators, offer prepaid plans with no contracts and no credit checks. Carriers like Tello and Red Pocket Mobile run on the same networks as the major US telecoms giving you the same nationwide coverage.

Can I get a cell phone contract with bad credit?

Yes it's possible to get a phone contract with bad credit. MVNOs running on the main US networks provide prepaid cell phone plans meaning no contract or credit checks are required.

How can I get a phone with bad credit and no deposit?

MVNO cell phone contracts are prepaid, so no credit checks are required. You can often purchase phones through these low cost carriers by spreading the cost without a deposit. They also encourage you to bring your own phone.


Recap

Thanks to the wide range of affordable devices available via electronics sellers there's no reason that bad credit has to stop you from having a dependable phone.

CarrierBest for...MinsTextsDataPrice
Tello SIM Card - Best cheap no credit check planTelloCheap planUnlimitedUnlimited1GB$10/mo
Mint Mobile SIM Card - Best no credit check unlimited planMint MobileUnlimited planUnlimitedUnlimitedUnlimited$30/mo
Ultra Mobile SIM Card - Best no credit check 5G planUltra Mobile5G planUnlimitedUnlimited2GB$14/mo
Ting SIM Card - Best no credit check talk & text planTingTalk & text planUnlimitedUnlimited0GB$10/mo
Twigby SIM Card - Best no credit check plan for seniorsTwigbySenior planUnlimitedUnlimited3GB$20/mo
Red Pocket SIM Card - Best no credit check plan for kidsRed PocketKids plan5005000.5GB$10/mo
Good2Go Mobile SIM Card - Best individual no credit check planGood2Go MobileIndividual planUnlimitedUnlimited3GB$20/mo
US Mobile SIM Card - Best no credit check hotspot planUS MobileHotspot002GB$10/mo
Rob Webber
Rob Webber

Rob has 15+ years experience in the US and UK running price comparison sites for cell phone plans, smartphone deals, TV, and internet. He loves thinking outside of the box to build tools that empower consumers to make more informed decisions.