Get a Contract Phone with No Credit Check

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    No Credit Check

    Is there anything more worrying to someone in need of a phone contract than the idea of a credit check? That's why a number of our deals do not require a hard or soft check.

    On Screen Decision

    Our application process takes less than 2 minutes. We only ask the most basic information. Once you've submitted the form, you'll be presented with an instant on screen decision.

    Flexible Terms

    The phones offered by our networks can be repaid weekly or monthly, regardless of phone you want. Payments will vary depending on the smartphone and term you choose.

    Eligibility Criteria

    If you're over 18, have a UK bank account, are a UK resident and have a regular monthly income, you're eligible to apply for a a contract phone. Just fill our simple application form to apply.

    Our Latest Mobile Phone Deals

    About Swift Contract Phones

    Swift Contract Phones offer an extensive choice of guaranteed acceptance mobile phone deals. Our catalogue of phones has the latest smartphones from Apple, Samsung and Huawei on all the leading networks including O2, EE, Vodafone and Three.

    More and more people in the UK are struggling to get their hands on a new pay monthly phone contract due to their credit rating.

    Whether it’s a rough financial period in their life or debts from years ago still on their record; they are turned away or asked more a higher deposit than they can afford.

    Here at we understand that life can throw you a curve ball from time to time and circumstances can easily fall outside of your control. Mobile phones are now an essential part of everyday life
    and we want all our customers to benefit from them. Missing important work calls or not been able to get a job because you don’t have a phone is something we want to eradicate and we’ll try help you get a mobile contract no matter what your credit history.

    We work with a range of partners to offer great credit terms for you and our expert team can help come up with a solution for you. And in many cases, you might be surprised at how good a deal we can get you.

    A high percentage of people come to us with bad credit and see their hopes of getting a new mobile phone fulfilled. Our philosophy here is everyone who wants a contract phone should be able to have one.

    When Swift Contract Phones started back on the high street in the late 1990’s we quickly garnered a great reputation for providing high-quality phones at great prices. Since going solely online in 2008 we’ve maintained those standards.

    It doesn’t matter whether you want an iPhone 11 Pro Max, a Galaxy S20 or Huawei P30. If you buy it from us you’re safe in the knowledge the phone is brand new and top quality.

    Our flexible approach and independent status gives us room for manoeuvre on what deals we can offer. Every one of our customers gets treated individually and our state of the art comparison tool lets customers find a deal that suits them.

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      No Credit Check Phones Explained

      Helpful guides explaining the different types of phone contracts and providers.

      Pay Weekly Phones

      Pay weekly puts you in control of your finances so you know exactly how to budget.

      Bad Credit

      How mobile phone contracts for bad credit work and what you need to know before applying.

      No Credit Check SIM Only

      Learn about SIM Only deals that don't require a credit check and why they should be considered.

      Compare Deals

      Use our free comparison tools to see the entire UK mobile phone deal at a glance and find the best deals.

      iPhone Deals

      Read about our guaranteed approval iPhone deals on the latest iPhone 11, iPhone 11 Pro Max and iPhone XS.

      SIM Only Deals

      Looking for a way to rebuild credit? Consider a cheap SIM Only deal to get the ball rolling.

      How It Works

      Learn how our no credit check mobile phone deals work and the terms of payment.

      Credit Scores

      A bad credit score means that you may find many mobile phone networks are unwilling to approve you.

      Free Gifts

      Contract Phones with Free Gifts explained and why they are harder to pass a credit check on.

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