How To Get Approved For A Cell Phone With Bad Credit

Getting a cell phone if you have bad credit in the United States isn’t as hard as it seems!

There are different ways on how to get a smartphone without subjecting yourself to a credit check.

This post will show you 3 ways to get a cell phone even with bad credit.

We’ve got more options and details in our full article so be sure to check it out as well!

One of the easiest ways to get  a cell phone with bad credit is by getting a prepaid plan.

Sign-Up For A Prepaid Plan


Because you are pre-paying your monthly fee, getting this phone plan does not require any credit checks.

Even if you have bad credit or no credit history, you can still be eligible for a prepaid plan as you’ll be making payments upfront.

Buy An Unlocked Cell Phone


An unlocked phone means it is not limited to a specific carrier. You can use unlocked phones with any phone carrier as long as it is compatible.

This means you can buy a phone from anywhere, even a second-hand one, and even get better prices.

Buying an unlocked phone doesn't require any credit checks.

The only thing you need to look out for when buying an unlocked phone is its compatibility with mobile networks.

It would be best to buy a universal unlocked phone that will allow you to switch between major mobile carriers.

Another way to get a no credit check cellular phone is to opt for “buy now, pay later” offers.

Buy Now, Pay Later Cell Phones (With No Credit Check!)


This is a financing model that allows you to buy an unlocked cell phone with no credit check and no deposit.

There are different websites that offer these types of deals like Leaseville, Rent Delite, and

With this type of deal, you pay a monthly fee for 12 to 24 months and you get to own the phone after completing the installments.

You have to take note, however, that these plans do not come with the phone service so you will need to pay for the carrier on top of your monthly installments.

Getting a no credit check cell phone plan from the major phone carriers in the United States is possible.

You can check out a list of companies offering plans without credit checks here:

Many people have the misconception that the only way to get a great cell phone plan is through a monthly contract.

This simply isn’t true and the methods listed in our article can even benefit people who want to avoid a contract altogether!