SIM only with no credit check
giffgaff, SMARTY, Lebara, VOXI and Asda Mobile don’t run a credit check on SIM only, and Talkmobile checks your ID only. EE, O2, Vodafone, Three, iD Mobile and Tesco Mobile run a hard credit check on pay monthly plans. Live deals below are only from networks without a credit check.
Facts checked: 24 October 2026 · Page updated: · Prices update daily
At a glance
giffgaff, SMARTY, Lebara, VOXI and Asda Mobile run no credit check.
Checked 24 Oct 2026Talkmobile checks ID rather than your credit file.
Checked 24 Oct 2026Cheapest SMARTY plan today: 18 GB.
Source: live deals feediD Mobile checks credit even on 30-day plans.
Checked 24 Oct 2026Live no credit check SIM deals
We may earn a commission if you switch. It never changes your price or our order. How we make money
How the networks compare
| Network | Runs on | Credit check | Yearly rise (SIM only) |
|---|---|---|---|
| giffgaff | O2 | None | None |
| SMARTY | Three | None | None |
| Lebara | Vodafone | None | None |
| VOXI | Vodafone | None | None |
| Talkmobile | Vodafone | ID check only | Not confirmed |
| Asda Mobile | Vodafone | None | Not confirmed |
Need a phone too?
Buy the phone outright, SIM-free, and pair it with one of these plans. No network credit check, and you can leave a 30-day plan any time.
Phone deals with bad credit →How to switch and keep your number
- Get your PAC. Text PAC to 65075 from your current phone. It’s free.
- Order your new SIM and give the PAC to the new network.
- Your number moves in one working day and your old plan closes.
On a 12-month plan? We’ll warn you before April.
Add your network and end date. We’ll email you before every price rise and three weeks before your plan ends, with cheaper SIMs already lined up.
No credit check questions
Which SIM only networks don’t credit check?
giffgaff, SMARTY, Lebara, VOXI and Asda Mobile run no credit check. Talkmobile checks ID only (checked October 2026).
Does iD Mobile do a credit check on SIM only?
Yes. iD Mobile runs a hard credit check, including on 30-day SIM only plans.
Will a SIM only plan help my credit score?
Paying on time shows lenders you manage regular bills, but plans without a credit check are usually not reported to credit agencies.