Bad Credit Contracts
Getting a phone contract with bad credit is easier when you keep the monthly cost low. Networks assess the total cost of borrowing when running credit checks - the cheaper the phone, the better your chances of being accepted. All the phones on this page are up to £30 per month with no upfront cost, keeping the total credit commitment as low as possible.
Want to understand how credit checks work and improve your odds? Read our full guide to getting a phone contract with bad credit. Alternatively, consider a SIM-only deal (lighter credit requirements), pay-as-you-go (no credit check), or a refurbished phone purchased outright.
6.75"-6.99" Display
6.5"-6.74" Display
6.25"-6.49" Display
6"-6.24" Display
4"-4.99" Display
2"-2.99" Display
1"-1.99" Display
Frequently Asked Questions
What is the cheapest phone contract for bad credit?
The cheapest phone available on contract with no upfront cost is the IMO Dash 4G Mini, starting from £7.50 per month. Lower monthly costs mean a smaller credit commitment, which improves your chances of acceptance.
Can I get a phone with no upfront cost and bad credit?
Yes. All 42 phones on this page are available on contract with no upfront cost. The cheapest is the IMO Dash 4G Mini from £7.50 per month. Deals with no upfront fee keep the total borrowing low, which helps with credit acceptance.
Which phones are easiest to get on contract with bad credit?
The phones with the lowest monthly cost have the highest acceptance rates. The most affordable options right now are IMO Dash 4G Mini, Doro Leva L20, TCL 605 4G — all under £7.50 per month with no upfront cost.
Can I get a 5G phone with bad credit?
Yes. There are currently 27 phones with 5G available for up to £25/month, including the Samsung Galaxy A17, Samsung Galaxy A26, iPhone 12.
How many phones are available on contract for up to £25 per month?
We currently compare deals for 42 phones available for up to £25 per month with no upfront cost - all suitable for people with limited credit history.
Are refurbished phones available for bad credit contracts?
Yes, 16 phones on this page are also available refurbished. Refurbished phones are typically even cheaper, further improving your chances of being accepted for a contract.