iPhone 12 Bad Credit Contracts

There's no such thing as a guaranteed-acceptance contract - networks still run a credit check. What they're really assessing is how much you're financing: the handset cost spread over the contract. So cheaper handsets, lower monthly costs and shorter terms are all easier to be approved for. A no-upfront deal is the most affordable way in month to month - the cheapest Apple iPhone 12 contract with no upfront cost starts at £15.95 per month.

For the full picture, read our guide to getting a phone contract with bad credit.

Two things move your odds. A lower monthly cost shrinks the ongoing commitment - and, perhaps counter-intuitively, paying something upfront actually reduces the total amount you're borrowing, which can make acceptance more likely. No upfront cost is the easiest option on your wallet today, but if you can put a little down it lowers the total credit and can improve your chances. A shorter contract term helps too. Compare both the monthly and upfront cost of every Apple iPhone 12 deal below across all the UK networks.

A decline isn't the end of the road. You can still get Apple iPhone 12 without a credit check by buying it outright - compare SIM-free or pay-as-you-go prices - and a refurbished Apple iPhone 12 costs less to buy outright. You can also improve your odds over time by registering on the electoral roll and keeping existing payments up to date.

Contracts
Contract deals are meant for new customers switching from a different network. We currently have 83 new customer contracts for Bad Credit Apple iPhone 12. Starting from £11.95 per month with an upfront cost of £69.00 over 24 months on Talkmobile. If you stream, hotspot or use lots of data, compare unlimited data contracts for Apple iPhone 12. If you'd prefer not to pay anything upfront, no upfront cost contracts are available from £15.95 per month.

Upgrades
If you're an existing customer on Vodafone or Talkmobile you can place an upgrade order if you wish to stay with your network with no interuptions and keep the same number and SIM. You're eligible for upgrade deals within the final 30 days of your contract. You can text INFO to 85075 to see how long is left on your contract.

Contracts with no upfront cost are available from £15.95 per month and 30GB data. The total cost is £382.80, which is £57.00 more than the cheapest overall contract.

To keep your number when switching to a new contract, text PAC to 65075 from your current SIM to receive a PAC code valid for 30 days. If you enter this code during checkout, your new network will manage the switch. The switch will occur the next working day, automatically ending your old contract.

Check out our Definitive PAC Code Guide for everything you need to know - common mistakes, tips, and FAQs.

After you choose the plan with the features that suit you best, click the "Get Deal" button on the deal card. You'll be transferred to the retailer's website where you can place your order. Any personal details you enter will handled by that retailer and will be processed based on their privacy policy - we don't see or process your data.

As a price comparison service we receive data feeds directly from our partered retailers. We try to ensure all prices and plan benefits are correct, but please check the full details of the deal you add to the basket before ordering as errors in our data feeds may occasionally occur.

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