No credit check on our best SIM-only monthly plans
No credit checks
No lengthy contract
No need to change your number
Simple SIM-only contracts.
No credit checks.
You can call it the No credit check SIM, the bad credit SIM, the no contract SIM. Whatever you want to call it, it’s SMARTY.
We’ve made it easy for anyone to get a SIM-only contract for their phone without a credit check. Our rolling monthly plans start from £6, and come with unlimited UK standard texts and calls as standard. Plus you’re free to pause or cancel at any time. No commitment, no hassle. Just simple, honest mobile.
All the data you need for less
Check your coverage, powered by
Data discount plans
Get money back for unused data
Check your coverage, powered by
All plans include
1 month plan, cancel anytime
Unlimited calls & texts
Unrestricted tethering in the UK
No credit check
Fast 4G & 3G data
No speed caps
All plans include WiFi Calling to supercharge your signal
Can I get a SMARTY SIM with bad credit?
Yes. We believe anyone should be entitled to mobile with no credit check. Because you pay upfront, we don’t need to know your credit history. And unlike the usual contract SIM deals for bad credit, we don’t tie you in or overcharge you for extra data.
Unlimited UK standard calls and texts
A bad credit rating shouldn’t hold you back. With SMARTY, you can enjoy the best bits of a pay-monthly plan and call your friends and family as much as you want.
Extra data at fair prices
Add-ons that don’t cost the earth.
You never know how much data you’re going to need. If you run out of data during the month, extra data will cost just £1 per GB.
Our data add-ons never expire, as long as you have a live, current SIM-only plan.
The flexibility of pay as you go. The benefits of a monthly contract.
Because your SIM is paid for in advance, you can enjoy your data allowance without worrying about an unexpected bill – just like regular contract deals.
But you also have the same peace of mind you get with pay as you go - no minimum term contract, the freedom to cancel at any time, and the flexibility to add more data whenever you need it.
FAQs
It can be hard to purchase a new phone on a contract with poor credit. But if you use an old handset, or find a great deal on a new one, you can then purchase a SIM-only deal from SMARTY. With our no contract SIM you pay in advance so there’s no need for a credit check, and the rolling monthly payment is completely flexible.
Your credit score shows lenders how likely you are to be able to repay a loan or make payments on a contract. A low score means you may be subject to higher interest rates, be at risk of being denied credit, or find it difficult to get approved for contracts – like those for a mobile phone. Your credit score can be affected by missed payments on loans or bills, and by having large amounts of debt. While you may not be able to take out long-term mobile contracts with a bad credit score, you can choose alternatives like a SMARTY SIM-only plan that doesn’t require a credit check.