SIM only · no credit check
SIM only with no credit check
Networks that don’t run a credit check on SIM only plans — ideal with a thin credit file, a new UK address or a past refusal.
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Which networks don’t credit check?
giffgaff, SMARTY, Lebara, VOXI and Asda Mobile; Lycamobile doesn’t on pay as you go.
Will it help my credit score?
Usually not — prepaid-style plans aren’t reported to credit agencies.
Do I need a UK bank account?
Most take a debit or credit card; some accept vouchers.
No price rise- Runs on Three
- 30-day rolling plan
- No credit check
- EU roaming included, 12 GB
£6 a month
Get this dealSMARTY review →Live price, checked several times a day.
SIM only with no credit check: every network ranked
| # | Network | Data | Contract | Monthly | Credit check | 24 months, rises included | |
|---|---|---|---|---|---|---|---|
| 1 |  Asda Mobile | 10GB | 12 months | £5.95 | None | £142.80 | Get deal |
| 2 | SMARTY | 18GB | 30 days | £6 | None | £144 | Get deal |
| 3 |  Lebara | 15GB | 30 days | £7 | None | £168 | Get deal |
| 4 |  giffgaff | 40GB | 18 months | £8 | None | £192 | Get deal |
| 5 |  Lycamobile | 30GB | 30 days | £10 | None on PAYG | £240 | Get deal |
| 6 |  VOXI | 80GB | 30 days | £10 | None | £240 | Get deal |
Cheapest plan per network matching this page, checked 27 October 2026. “24 months” adds each network’s April rise for a plan starting this month; on 30-day plans you can leave before a rise.
How no-credit-check SIMs work
You pay at the start of each month, so the network takes no lending risk and has no reason to search your credit file. You still get the same masts and, usually, a 30-day plan you can cancel any time. Pair one with a phone bought outright, refurbished or second-hand. Options with bad credit.
All matching deals, live
FAQ
Common questions
Can I get a SIM with bad credit?
Yes — every network on this page sells SIM only without a credit check.
Does iD Mobile credit check?
Yes, iD Mobile runs a hard check even on 30-day SIM only plans.
Is there an ID check?
Some networks verify your identity or card, which isn’t a credit check.