Which Phone Contract Is Best for Bad Credit

In today`s world, having a phone is essential for staying connected with family and friends, accessing important information, and even running a business. However, if you have bad credit, getting approved for a phone contract can be challenging. In this article, we will explore some of the best phone contracts for those with bad credit.

Prepaid Phone Plans

A prepaid phone plan is one of the best options for those with bad credit. Instead of committing to a monthly payment plan, you pay for your services in advance, typically on a month-to-month basis. This way, you do not have to worry about a credit check. Some of the most popular prepaid phone plans include Boost Mobile, Cricket Wireless, and Metro by T-Mobile.

Family Plans

Another option for those with bad credit is a family plan. Family plans allow you to add additional lines to your existing account, which can help you get approved even if your credit is not stellar. There are several family plan options available, including those offered by major carriers such as AT&T, Verizon, and T-Mobile.

No-Credit-Check Plans

If you are looking for a phone contract that does not require a credit check, then no-credit-check plans are an excellent option. These plans are typically offered by smaller carriers and do not require a credit check or deposit. However, keep in mind that these plans may come with limited features and high fees. Some no-credit-check plans to consider include Simple Mobile, Total Wireless, and Page Plus.

Secured Plans

A secured phone plan is another option for those with bad credit. With a secured plan, you will need to provide a deposit upfront to secure your services. This deposit can range from a few hundred dollars to several thousand dollars, depending on the carrier and plan you choose. While a secured plan may be a bit more expensive upfront, it can help you improve your credit over time. Some secured plan options include T-Mobile`s “Smartphone Equality” plan and the AT&T Access More Plan.


Having bad credit does not mean you cannot get a phone contract. There are several options available to help you get the services you need, including prepaid plans, family plans, no-credit-check plans, and secured plans. Before choosing a plan, be sure to compare prices and features to find the best deal for your needs. With a little research and patience, you can find the perfect phone contract for your bad credit situation.

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