The best cell phone plans for bad credit in 2025: Affordable service without the hassle

If you've ever been turned down for a phone plan because of your credit or if you simply want to avoid handing over your financial history - no credit check phone plans are the way to go.

The best part? You don't have to pay more just because you want to skip the credit check. Low-cost carriers offer the same coverage as the big 3 at a fraction of the price, with no contracts, no hidden fees, and no credit checks.

To ease your search, I've thoroughly reviewed 30 alternative carriers and over 100 prepaid phone plans.

Tello offers the best low data phone plan for bad credit

Tello 2GB plan for $10/mo

• T-Mobile 5G & 4G LTE network
• Unlimited talk and text with 2GB data
• Instant online activation

5

Read our Tello review

See at Tello

Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.

With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users.

Tello keeps costs low with flexible plans that let you choose exactly how much data, talk, and text you need. A set data plan can help you save and manage usage.

All plans come with mobile hotspot, with unlimited plans offering up to 5GB, but there are no multi-line discounts. Each line is billed separately, though Tello's pricing remains competitive.

Activation is quick and easy. With eSIM it takes just a few taps, or you can have a SIM card shipped directly to you.

Tello is one of the most affordable and flexible choices on T-Mobile's network, but I also weighed a few other options.

Ultra Mobile is a solid pick for international calling, but its plans are more expensive for the same amount of data. Metro by T-Mobile, despite being owned by T-Mobile, comes with higher costs and often requires an in-store visit. While Boost Mobile has competitive pricing, but hidden fees and inconsistent customer service make it harder to recommend.

In the end, Tello's combination of affordability, customization, and hassle-free switching makes it the best choice.

• Build-your-own plan – Tello lets you customize your plan, so you only pay for the data, minutes, and texts you actually need-no wasted money on extras.
• Affordable, contract-free pricing – Tello keeps costs low with transparent pricing and no long-term commitments, making it easy to switch or adjust your plan anytime.
• Quick and simple activation – With eSIM, you can activate your plan in just a few taps. If you prefer a physical SIM, Tello ships it for a small fee.

Visible offers the best unlimited data plan for bad credit

Visible unlimited plan for $25/mo

• Verizon 5G & 4G LTE network
• Unlimited talk, text and data
• Instant online activation

3.4

Read our Visible review

See at Visible

Visible keeps things easy with two affordable unlimited plans on Verizon's network. There are no contracts and no hidden fees.

With unlimited talk, text, and data starting at just $25/month, plus mobile hotspot included, you get great value without surprises. The Visible+ plan offers 50GB of premium data and access to Verizon's 5G Ultra Wideband for even faster speeds.

Visible keeps it simple with two unlimited plans that have no contracts, hidden fees, or surprise costs. Both plans come with mobile hotspot access at 5–10 Mbps speeds.

The Visible+ plan includes free international calling to 30+ countries and texting to 200+ destinations. eSIM activation allows for instant setup, eliminating the wait for a SIM card.

While there are no multi-line discounts, the affordable pricing makes it ideal for individuals. However, customer support is only available online.

If you want a budget-friendly carrier on Verizon's network, Visible is the best option for unlimited data without extra fees-but I also reviewed a few others.

Tracfone offers low-cost prepaid plans, but speed restrictions make it less appealing for heavy data users. Xfinity Mobile has competitive pricing, but it's limited to Xfinity internet customers. Spectrum Mobile is another affordable alternative, but you need Spectrum home internet to sign up.

Thanks to its transparent pricing and unlimited data, Visible remains the best overall pick.

• Straightforward unlimited plans – No contracts, hidden fees, or surprise charges-just simple, all-inclusive pricing.
• Built-in extras at no extra cost – Get mobile hotspot access on all plans, plus international calling and texting perks with Visible+.
• Fast and easy setup – eSIM activation lets you start service in minutes without needing to wait for a SIM card.

Total Wireless offers the best plan for bad credit with Verizon coverage

Total Wireless unlimited plan for $50/mo

• Verizon 5G & 4G LTE network
• Unlimited talk, text and data
• Instant online activation

4

Read our Total Wireless review

See at Total Wireless

Total Wireless keeps things simple with no contracts, no hidden fees, and affordable plans on Verizon's network.

With unlimited talk and text, generous high-speed data options, and mobile hotspot included. Plus, international calling to 85+ destinations and roaming in Canada and Mexico make staying connected easier than ever.

Get Verizon's reliable coverage without the high cost with Total Wireless. Plans include unlimited talk and text, plus up to 15GB of hotspot data.

International calling to 85+ destinations and roaming in Canada and Mexico are included with select plans. There are no contracts, and you can manage everything online for easy switching.

I've explored other low-cost carriers on Verizon's 5G and 4G LTE networks, but many have limitations.

Tracfone keeps costs low with its pay-as-you-go model, but it offers limited high-speed data and fewer perks. Xfinity Mobile stands out with competitive pricing, but only those with Xfinity internet can sign up. Spectrum Mobile is another affordable choice, but again it's restricted to Spectrum home internet customers.

• Big savings on Verizon's network – Enjoy top-tier coverage without the premium pricing.
• Great extras for everyday use – Up to 15GB of hotspot data, plus international calling and roaming benefits on select plans.
• No commitments, full control – Contract-free plans with easy online management for seamless plan adjustments.

Tello offers the best plan for bad credit with T-Mobile coverage

Tello unlimited plan for $25/mo

• T-Mobile 5G & 4G LTE network
• Unlimited talk, text and data
• Instant online activation

5

Read our Tello review

See at Tello

Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.

With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users.

Tello offers flexible, budget-friendly plans, allowing you to pick exactly how much data, talk, and text you need.

All Tello plans support mobile hotspot, with unlimited plans limited to 5GB, but they don't offer multi-line discounts-each line is billed separately. However, their low rates make individual plans a great deal.

Since Tello is online-only, activation is seamless-eSIM setup is near-instant, or you can get a SIM card by mail.

Tello is among the best budget-friendly carriers on T-Mobile's network, but I compared a few others as well.

Ultra Mobile works well for international calls, but its plans cost more for the same data. Metro by T-Mobile, despite being part of T-Mobile, is pricier and often requires an in-store sign-up. Boost Mobile has appealing rates, but its extra fees and spotty customer service make it less reliable.

Thanks to its unmatched affordability, customizable plans, and easy switching process, Tello remains the best pick.

• Personalized plan options – Tello allows you to pick and choose your plan features, so you only pay for what you actually use.
• One of the cheapest carriers available – Tello provides unbeatable value with low-cost plans and no contracts, giving you total flexibility.
• Fast online activation – eSIM lets you activate your plan in minutes, or you can request a free SIM card to be delivered to your door.

Red Pocket offers the best plan with AT&T coverage for bad credit

Red Pocket unlimited plan for $30/mo

• AT&T 5G & 4G LTE network
• Unlimited talk, text and data
• Instant online activation

4

Read our Red Pocket review

See at Red Pocket

The Red Pocket Mobile unlimited plan is powered by the AT&T wireless network. And if you're looking for an unlimited plan for the whole family, they are one of the best MVNOs for family plans, with a $20 discount for each additional line added.

You'll need to pay a setup fee, but after that, choosing a family plan could save you hundreds of dollars a year.

With Red Pocket Mobile, you get unlimited talk and text, no hidden fees, and up to 30GB of high-speed data, including hotspot access.

Adding extra lines saves you money with multi-line discounts, although there's a setup fee for each line.

They also offer a 7-day money-back guarantee on eSIM plans and free international calling to 80+ countries, plus free roaming in Mexico and Canada.

Many low-cost carriers provide service on AT&T's 5G and 4G LTE networks, and I've reviewed many of them. Cricket Wireless, AT&T's own prepaid brand, tends to be more expensive than its competitors. H2O Wireless includes international calling, but its plans don't offer the same value. While Good2Go Mobile has competitive pricing but lacks variety in its plan options and isn't as well known.

With its ideal blend of affordability, strong features, and flexibility, Red Pocket is my top recommendation for AT&T customers.

• Multi-line discounts – Add extra lines and get a discount off each one, making it easy to save on family plans.
• International perks at no extra cost – Free calls to 80+ countries and roaming in Mexico and Canada add extra value.
• No hidden fees & risk-free sign-up – Simple, transparent pricing and a 7-day eSIM money-back guarantee let you try the service worry-free.

Why switch to a low-cost carrier?

If you've ever been turned down for a phone plan because of your credit, or you want to avoid handing over your financial history, no credit check phone plans are the way to go.

Big wireless uses credit checks to lock people into long-term contracts, often charging higher deposits or interest for those with lower scores. But with low-cost carriers you'll get the same coverage with no credit checks, no contracts, and no surprise fees.

Still on the fence? Here's what you need to know

• You don't need good credit to get a great plan: Unlike big wireless, low-cost carriers don't run credit checks or require deposits and you normally qualify instantly.
• You get the same coverage: No matter your credit score, you're still using the same networks as big wireless, just at a fraction of the cost.
• No commitments, no hidden fees: No contracts or long-term obligations.

If you're tired of being penalized for your credit score, switching to a no-credit-check plan is the easiest way to stay connected without the extra costs.

Common misconceptions about no credit check phone plans

Here's what you need to know about no credit check plans with low-cost carriers:

1: Myth: No credit check means worse coverage

Truth: Low-cost carriers use the exact same networks as the big 3 - same towers, lower prices.

2: Myth: You need a credit check to get 5G

Truth: Prepaid plans with no credit check offer full-speed 5G access, just like postpaid plans.

3: Myth: No credit check plans are only for people with bad credit

Truth: Plenty of people with great credit choose prepaid because it's cheaper and more flexible.

4: Myth: Switching to a no contract plan is complicated

Truth: Switching to a no credit check plan takes about 10 minutes, and you can keep your phone and number.

5: Myth: Prepaid plans have hidden fees

Truth: Low-cost carriers plans are transparent in pricing and features - with no activation fees or sneaky charges.

Compare bad credit cell phone plans

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Why you can trust me

I've spent over 15 years helping people cut their phone bills in both the UK and US. For the last 8 years, I've run MoneySavingPro, helping over 50,000 people switch to cheaper, better phone plans.

I've personally reviewed over 100 phone plans and tested dozens of low-cost carriers, including Boost Mobile, Red Pocket, Tello, and Total Wireless, to compare coverage, pricing, and customer experience.

How I picked the winners

Many phone plans claim to be no-credit-check options, but some come with hidden fees or restrictions. I evaluated over 30 carriers based on five key factors:

• Value for money: The best no-credit-check plans offer affordable pricing with no extra costs for skipping a credit check.
• Coverage: I reviewed 5G and 4G LTE network availability to ensure strong service no matter where you live or travel.
• Customer experience: No-credit-check plans should be hassle-free. I factored in real customer reviews, ease of activation, and overall satisfaction.
• Transparency: Some plans advertise no credit checks but sneak in hidden fees. The best ones offer clear pricing and straightforward terms.
• Range of choice: Whether you need a basic talk & text plan or an unlimited data option, the best no-credit-check plans let you choose what works best for you.

Final thoughts: No credit check, no hassle, big savings

If you're still paying big wireless prices just because you think you have to pass a credit check, it's time to stop.

Switching to a low-cost no-credit-check phone plan is one of the easiest ways to cut your phone bill in half-without giving up coverage, features, or reliability.

Check out these best no-credit-check phone plans and see how much you could save today.

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