No Credit Check Mobile Phone Plans

Compare mobile phone plans with no credit check with Savvy today.

Compare mobile plans
Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on October 26th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

Digital wallets - Mobile Payments Australia

We’ve partnered with Econnex to bring you a range of mobile phone plans to help you compare them.

No credit check mobile phone plans are ideal for individuals with bad credit or who prefer not to undergo a credit check. If you are looking for this type of plan, you can compare your options today with Savvy.

Using our simple online tool, you can compare plans from a variety of providers in minutes, helping you find a plan that suits your needs. Get started today!

What are no credit check mobile plans and how do they work?

No credit check mobile plans are mobile phone plans that do not require a credit check during the application process. These plans are ideal for individuals who may have a poor credit history or prefer not to undergo a credit check. No credit check mobile plans are typically:

  • Prepaid plans: with prepaid mobile plans, you pay for the service upfront. This means you don’t have to worry about monthly bills or unexpected charges. Prepaid plans typically offer various options for data, talk and text, so you can choose a plan that suits your needs.
  • Pay as you go plans: these plans work on a ‘pay as you go’ basis, meaning you only pay for the specific services you use. If you're looking for $0 upfront mobile phone plans in Australia and have concerns about bad credit, PAYG plans provide a flexible solution.

Postpaid mobile plans – where you pay for the service after using it – often require a credit check for suitability. However, certain providers may offer SIM-only postpaid plans without a credit check, so it is always worth checking with individual providers to see what options are available.

What are the advantages of choosing a no credit check mobile plan?

A no credit check mobile plan can offer several advantages. These may include:

  • Accessibility: users can take out mobile phone plans with bad credit or a limited credit history, making them accessible to a wide range of users.
  • Flexibility: plans often come with flexible terms, no long-term commitments and competitive pricing.
  • Affordability: no credit check mobile plans can be an affordable option for people on a budget, allowing you to pay up front or only for the services that you need, giving you more control over your phone costs.
  • No credit checks: users do not need to undergo a credit check during the application process. This can be helpful for people who are trying to improve their credit score or who simply don’t want their credit history to be checked.
  • No contracts: many no credit check mobile plans do not require a contract. This means that you can cancel your service at any time without having to pay a penalty fee.    
  • Choice: plans are available from a variety of providers, so you can easily find a plan that meets your needs and budget.

How do I choose a mobile phone plan with no credit check?

When choosing a no credit check mobile plan, there are a few things you should keep in mind:

  • Price: look at the cost of the plan, factoring in the cost of data, talk and text, as well as any other fees that may apply.
  • Coverage: make sure that the plan you choose has coverage in the areas where you live, work and travel.
  • Data allowance: choose a data plan that meets your needs. If you use a lot of data, you will need a plan with a higher data allowance.
  • Calls and texts: choose a talk and text plan that meets your needs. If you make a lot of calls or send a lot of text messages, you will need a plan with a higher talk and text allowance.
  • Features: consider the features that are important to you, such as access to 5G networks, international roaming and unlimited data.

When you are ready, you should compare no credit check mobile plans from different providers to find the best deal for your needs. You can use Savvy to compare options side-by-side to help you find a mobile plan that’s right for you.

Compare mobile plans

Why compare mobile plans with Savvy?

mobile phone icon

Compare offers online

You'll be able to consider offers from trusted Australian providers side by side online, no matter where you are.

Online fast approvals

100% free

There's no need for you to fork out for your quote with Savvy, as our process is free from start to finish.

A Range of Options

Trusted partners

Compare mobile deals with more confidence through a variety of respected Australian providers.

Frequently asked questions about no credit check mobile phone plans

How do I sign up for a no credit check mobile phone plan?

To sign up for a no credit check mobile plan, you will typically need to provide your name, address and phone number. You may also be asked to provide a valid form of identification, such as a driver’s licence or passport.

Once you have signed up for a no credit check mobile plan, you will typically be able to activate your service immediately. You may be able to do this online, over the phone, or at a physical store.

Can I keep my existing phone number when switching to a no credit check mobile plan?

Yes – you can generally keep your existing phone number when switching to a no credit check mobile plan. This process is called number porting. To port your number, you will need to contact your new mobile phone provider and give them your existing phone number and account number. Your new provider will then contact your old provider to initiate the porting process. 

What types of mobile devices are compatible with no credit check mobile plans?

No credit check mobile plans are typically compatible with a wide range of mobile devices, including smartphones, 5G-ready devices and even some tablets. Users can choose a plan that suits their device, ensuring they stay connected regardless of their mobile device preferences. 

Can missing a mobile phone payment affect my credit score?

Yes – missing a mobile phone payment can affect your credit score. Mobile phone providers typically report late payments to the credit bureaus, which can damage your credit score. The severity of the impact will depend on a number of factors, including how late the payment is, how often you make late payments and your overall credit history.

Compare mobile plans

Disclaimer:

Savvy is partnered with Econnex Comparison (CIMET Sales Pty Ltd, ABN 72 620 395 726) to provide readers with a variety of mobile phone plans to compare. We do not compare all retailers in the market, or all plans offered by all retailers. Savvy earns a commission from Econnex each time a customer buys a mobile phone plan via our website. We don’t arrange for products to be purchased directly, as all purchases are conducted via Econnex.

Any advice presented above is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing a mobile phone plan. For further information on the variety of mobile phone plans compared by Econnex, or how their business works, you can visit their website.