4 Ways to Get a Cell Phone Plan With No Credit Check – NerdWallet

Cell phones have much become an extension of our bodies — they ’ re our phones, computers, cameras, watches, dismay clocks, plot systems and more. But getting one can be unmanageable if you don ’ t have credit. Carriers want to avoid customers racking up huge bills and then not paying them. To this end, many major cellular telephone earphone companies will check your credit to evaluate your fiscal responsibility and ability to pay each calendar month.

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If you have badly credit or no credit history, you may have to jump through some extra hoops, but you can get a cell phone with no credit check.

1. Go with a prepaid carrier

Prepaid cell phone plans don ’ triiodothyronine require a credit check mark. That ’ south because you pay in progress for your service, normally on a monthly basis, so there ‘s no risk for the cell phone supplier. The four major carriers — Verizon, AT & T, Sprint and T-Mobile — offer prepay plans, much for less than their traditional plans. There are besides carriers that offer only postpaid service, including Cricket Wireless and Boost Mobile, among others. These carriers offer bum plans with no contract and no credit rating check mark. many are owned by a larger carrier like AT & T and often operate on the same networks as the major carriers, yet pull off to offer plans for a lower price. Consider the plans listed below, which are monthly plans with outright minutes and text messages, unless otherwise noted. Any data included with the software is listed in parentheses. The table compares monthly plans lone ; it does not include pay-as-you-go plans, such as Tracfone airtime cards, which let you add more minutes or data as you need them .

2GB or less 3-5GB 6-9GB 10-25GB Unlimited
AT & T Prepaid N/A . $ 30 ( 5GB ) . N/A . $ 40 ( 15GB ) . $ 65 and $ 75 options .
Boost Mobile $ 10 ( 1GB ). $ 15 ( 2GB ) . $ 25 ( 5GB ) . N/A . $ 35 ( 10GB ) . $ 50 .
Cricket Wireless N/A . $ 30 ( 5GB ) . N/A . $ 40 ( 10GB ) . $ 55 .
Google Fi $ 20 ( lecture, text and Wi-Fi ). $ 30 ( 1GB ). $ 40 ( 2GB ) . $ 50 ( 3GB ). $ 60 ( 4GB ). $ 70 ( 5GB ) . $ 80 ( 6GB+ ) . N/A . $ 70 .
Metro by T-Mobile N/A . N/A . N/A . $ 40 ( 10GB ) . $ 50 and $ 60 options .
Net10 $ 20 ( 2GB ) . $ 35 ( 5GB ).

N/A . $ 40 ( 10GB ) . $ 50 .
Straight Talk Wireless $ 30 ( 1,500 minutes, unlimited text and 100MB data ) . $ 35 ( 5GB ) . N/A . $ 45 ( 25GB ) . $ 55 .
T-Mobile postpaid N/A . N/A . N/A . $ 40 ( 10GB ) . $ 50 .
Ting $ 10 ( talk and textbook ) . $ 25 ( 5GB ) . N/A . $ 35 ( 12GB ) . $ 45 .
total Wireless $ 25 ( 1GB ) . N/A . N/A . $ 35 ( 10GB ) . $ 50 ( 50GB ) .
Tracfone $ 20 ( 1GB ). $ 25 ( 2GB ) . $ 30 ( 3GB ) . $ 40 ( 8GB ) . N/A . N/A .
U.S. Cellular postpaid $ 30 ( talk and text only ) . N/A . N/A . $ 40 ( 15GB ) . $ 55 ( limited-time offer for $ 45 ) .
Verizon prepaid $ 35 ( spill the beans and textbook only ) . $ 40 ( 5GB ) . N/A . $ 50 ( 15GB ) . $ 65 .

One downside : Because there is no commitment with a prepay plan, you can ’ thyroxine wage for your phone in installments like you would with a traditional plan. The price can range from less than $ 1 to more than $ 500, depending on the earphone you choose. But you may be able to avoid the upfront price of a new earphone by using your existing one.

2. Join a family plan

Most carriers offer class cell earphone plans, and some get you have vitamin a many as 10 lines on one design. Although the independent account holder must pass a credit check to establish avail, those using the extra lines do not. The main account holder is besides the one ultimately responsible if you don ’ thymine pay your bill, thus take worry not to miss any payments. If you do join a family plan, you won ’ metric ton just bypass a credit arrest, you may besides save some money. A individual course on an inexhaustible design costs $ 65 to $ 80 with a traditional mailman, but an unlimited family plan split four ways can run ampere broken as $ 45 per person, before taxes, fees and autopay discounts.

3. Pay a security deposit

You can often get a cell telephone plan with no credit history if you first pay a deposit. situate amounts will vary based on the carrier and your credit seduce, but they could run up to several hundreds of dollars. And deposits are generally per course, so if you want multiple phones on your account you will pay multiple deposits. Most carriers will refund your deposit after a year if you consistently pay your bill on meter.

4. Find a co-signer

alike to getting a personal loan with bad accredit, you can much get a cell call plan with bad or no credit if you have a co-signer with good credit. Unlike a personal loan, however, the account would be in the co-signer ’ mho name, meaning that person is on the hook if you don ’ thymine pay your bill. The co-signer can finally move the account into your name. Most carriers will run your credit when you do therefore, but that doesn ’ t base you ’ ll have to pay a situate. With T-Mobile, for example, you can normally move the account into your name after 60 days. Although the carrier wave will check your credit, it won ’ thyroxine require a deposit because the report is already open. merely keep in mind that each aircraft carrier handles this differently.

You have options

A prepay plan is often your best bet if you want a cell earphone plan but have no credit or regretful recognition. If the upfront expense of a call is excessively a lot, though, try joining a family design. That way you can share the plan cost while you work to build your credit enough so you can guess out on your own design. This stake has been updated. It was originally published Dec. 22, 2014 .

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Category : Finance

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