No credit check on our SIM only deals

Because our SMARTY SIM-only deals are paid up-front on a rolling monthly plan, we do not require you to have a credit check. So, no more worries about bad credit and no lengthy contracts to be tied into. That’s not the case with a lot of other SIM-only plans from our competitors.

All of our SMARTY plans are available without a credit check. Our no credit check SIMs are made for flexibility, with a rolling monthly plan that means you can stop, start, increase or decrease the amount of data you need, as and when you need it.

It can be hard to purchase a new phone on a contract with poor credit. But if you use an old handset, refurbished phone, or find a great deal on a new one, you can then purchase a SIM plan 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. Your credit score can be affected by missed payments on loans or bills, and by having large amounts of debt. 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. 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 deal that doesn’t require a credit check.