How To Get A Contract Phone With Bad Credit
Are you asking the question, how to get a contract phone with bad credit?
Well you have come to the right place for the answer.
Find Out How To Get A Contract Phone With Bad Credit
It is hard enough to choose which mobile handset to go for with the vast number of makes and models on the market.
On top of this add the amount of deals and offers that are available and it can be a time consuming decision process.
Top it with a bad credit rating and you may find the task of choosing a mobile phone contract even more difficult.
So even if you are asking the question how to get a contract phone with bad credit, don’t worry we can direct you to help.
Even if you have been turned down by the main high street providers there are companies out there that can help you.
You will need to be realistic however if you want to be accepted for a mobile phone contract if your credit score is bad.
You may not be accepted for the newest iPhone, but you may be accepted for something a lot more affordable.
Thankfully there are great options available, even if you are still asking the question how to get a contract phone with bad credit.
Having bad credit doesn’t necessarily mean you have to resort to the oldest models of phones, the newer models may be an option, depending on your financial circumstances.
Cheaper mobile contracts are more advisable though as even with bad credit it is likely you will be accepted as it is less of a risk to the provider.
The top end mobile phones can be a lot harder to be accepted for because they have a high value so the provider relies on the customer paying their monthly plan.
If the applicant has a history of having late repayments and poor money management they may be classed as being a higher risk.
Although the newest mobile phones may be out of your reach for now there is a huge selection of great phones that you can still enjoy.
These handsets may be the best option if you are looking at how to get a contract phone when you have some bad credit.
Click on the banner on this page to be taken to companies that can help you finally achieve your answer of how to get a contract phone with bad credit.
How To Get A Contract Phone With Bad Credit? If your credit is bad, the first thing you should know is that you will probably be declined for a mobile phone contract if you are considered a high-risk customer.
Mobile phone companies perform credit checks to make sure that the customer isn’t wasting their money. Therefore, your first priority should be to find a handset with a realistic chance of acceptance. The higher the price, the higher the risk of being declined.
Co-signer
If you don’t want to risk a credit check and don’t have much money to put down as a deposit, you can find a co-signer for a contract phone.
It will take two people to make one payment, so you should have a good credit score. However, if your credit score is really bad, you can also use a family account. A co-signer will be responsible for paying the phone if you fall behind.
You can also find a co-signer for a contract phone with bad credit through a carrier. This will be the cheapest way to get a new phone.
This method does not affect your credit score at all. Most of the plans will allow you to add users for a low price, which will be around £10 per month. In addition, major carriers will offer incentives for adding another user, so the co-signer is not negatively affected by the transaction.
Month-to-month plan
There are a number of ways to get a month-to-month contract phone with bad credit. You can seek out a specialist company or speak to an adviser in a mobile phone store to find out if you qualify for one of these plans.
There are a few disadvantages to choosing this option, though, such as the fact that you may not be able to get the exact model that you want, or that the monthly payments will be higher than if you had opted for a standard contract.
First, you’ll need to determine what kind of plan you want to get. There are monthly phone contracts available with unlimited minutes, text messages, and data.
The monthly payments will include the phone and any associated data and will not require you to top up your phone. The monthly payment will save you money in the long run because you won’t have to worry about paying more than you need to.
Also, if you are worried about your credit, you can opt for a long-term plan. A long-term plan will allow you to pay off the phone over time, which will encourage you to upgrade to a newer model.
Prepaid plan
If you are looking for a prepaid contract phone with bad credit, you will be pleased to learn that there are many options available to you.
Prepaid plans allow you to pay for the plan in advance, so you don’t have to worry about credit checks or hefty deposits. Plus, prepaid plans are very flexible and won’t charge you for credit checks. Getting a prepaid contract phone with bad credit is now easier than ever.
If you’re worried about your credit, you can get a family plan. This option allows you to share a phone with several people and avoid the credit check altogether.
This way, you can save a great deal on the phone bill each month. Most carriers offer discounts for multiple lines, and some even let you add up to 10 lines. Of course, it’s important to remember that you’re still liable for any unpaid bills or device payments.
Device subsidy
Device subsidies are a great way to save money on a contract phone if you don’t have much cash.
A new flagship smartphone can cost up to £1,000 upfront, so if you’re not planning on purchasing a new phone anytime soon, you won’t save that much by using a device subsidy.
For this reason, you may want to opt for One Prepaid’s no credit check plan, which restricts minor features and international calling. Also, you’ll need to make 12 on-time payments to qualify for the plan.
Some contracts are only for lower-cost smartphones, while others come with an upfront payment. Many of these contracts will require you to pay a down payment or an upfront payment, which can quickly add up to a significant amount.
It’s best to avoid these subsidised plans if you have bad credit or have been turned down by a previous cell phone provider. But the option exists, so don’t overlook it just because it costs more upfront.
See also Mobile Cell Phones.
