When signing a cell phone contract, many companies will check your credit history to evaluate your financial stability. Generally, you would need to own a credit card to pay your bill each month. If you have a stellar credit history, it would be a piece of cake. However, it can be hard for those who have a poor credit score, no credit card, or unable to pay some deposit upfront. You could end up paying a large amount of money to buy your favorite cell phone. But, nothing to worry about! Nowadays, you can get free cell phones no credit check no credit card needed, no matter how your credit history! Well, it doesn’t mean you can have a cell phone for totally free. You still have to pay some amount of money to use your cell phone, without a credit check or down payment.
What Is a Free Cell Phone?
Most cell phone companies don’t want to have customers who vault their monthly bills. So, many of them will check your credit score. However, some carriers offer free cell phones for those with a poor credit score or low income as part of their marketing strategy. It’s a great convenience for people who have to struggle with bad credit, no credit card, tight budget, or unable to make payment upfront.
But, you should note that cell phone companies don’t literally give you a free cell phone without making any payment. You can get a cell phone without going through a credit check or no credit card is required. Most of the time, you can acquire a cell phone at remarkably pocket-friendly prices as compared to purchasing one out of the plan. You can do your homework searching which cell phone companies or network service carriers offer such plans.
How to Get Free Cell Phones without Credit Check
Cell phones have become an essential part of our modern lives today. Getting one can be hard if you have a bad credit score or no credit card. But, there are some ways that you can get a free cell phone without having to worry about a credit check or a credit card needed.
1. Get free government cell phones
Various phone companies collaborate with the government giving free cell phones through Lifeline Program. Besides, many premier mobile phone manufacturers and some network operators offer free service plans. Some others offer discounted cell phones or service plans at an affordable price. You can check with some providers in your state if they’re participating in Lifeline Program.
You’re eligible for Lifeline Program if:
- You or someone in your household has income at or below 135% federal poverty guidelines
- You or someone in your household participate in one of the federal assistance programs. These include Medicaid, Supplemental Nutrition Assistance (SNAP), Supplemental Security Income (SSI), Low-Income Home Energy Assistance Program (LIHEAP), Federal Public Housing Assistance (FPHA), plus Veteran’s Pension and Survivors Benefit.
For seniors, you can find a way to get a free cell phone through Medicare.
2. Go for a prepaid plan
Instead of signing up for a post-paid plan with a cell phone company, use a prepaid plan. Prepaid carriers don’t require any credit checks or a credit card for prepaid cell phone plans. It’s because you’re paying the service upfront. It means there’s no risk for the carriers. It’s the best way to get free cell phones no credit check no credit card needed for those with bad credit.
Generally, prepaid plans are more affordable than standard cell phone plans. Plus, you’re not required to sign a contract. There are several major cell phone carriers, including T-Mobile, Verizon, and AT&T. You can also get prepaid plans from several reputable providers that only offer prepaid cell phone plans, such as Cricket Wireless and Boost Mobile.
3. Join a Family Plan
If you have family or friends with a mobile phone, you could ask them if their cell phone provider has a family plan. Several cell phone carriers offer free cell phone and service plans to other family members. A customer can sign up for the family plan and add extra lines.
It’s one of the ways you can get free cell phones no credit check no credit card needed or at least at a very affordable price. However, if they agree to add you, make sure you pay the bill on time. Otherwise, it will impact the account holder.
4. Pay a deposit
Many reputable cell phone carriers offer plans without running a credit check if you pay some amount of money for the deposit. But, they may still check your credit score to determine how much of a deposit you need to put down. Deposit amounts may vary from one carrier to another carrier.
5. Get a co-signer
You can also get free cell phones with no credit check no credit card needed if you have someone to be your co-signer. He or she can be your friends or family. A co-signer is just like a family plan, where someone you know who has good credit acts as your guarantor. With a co-signer, the account will be under his or her name. Thus, he or she will be the one that responsible for any late or missed payment. So, make sure you always pay your bill in full amount timely. After some time, the co-signer can transfer the plan into your name.
6. Opt for buy now pay later no credit check
Some online stores offer buy now pay later financing for people with bad credit. They rarely run a credit check or require a credit card. You can search for some online stores that sell cell phones and purchase one with an installment. However, most of them don’t provide a mobile service plan.
So, you’ll also have to pay for the service plan to use the cell phone. You’ll find free cell phones with no credit check in some of the best stores, like Finger Hut, Zebit, Luther Sales, and more. You should do some research and compare the terms and conditions so that you’ll get the best offer.
The Best Cell Phones with No Credit Check
Some leading mobile carriers like AT&T, Verizon, Verizon, and Sprint offer free cell phones if you go to their stores or websites. You’ll find lots of cell phones you can choose from for free. Mostly these cell phones are basic or low-labeled. But, they already have completely different features. You may also get quality cell phones. Some provider companies sometimes offer their devices for discounts.
Here are some of the top free cell phones no credit check no credit card needed:
1. Samsung Galaxy Alpha
One of the free cell phones without credit checks is Samsung Galaxy Alpha. It’s the first metal phone with metallic edges and a plastic back released by Samsung. This phone runs on Android KitKat with Quad-Core 2.5 GHz Krait 400 Processor and Qualcomm MSM8974AC Snapdragon 81 chipset, which provide good performance. Besides, this lightweight phone has a great 12MP camera quality with Autofocus, LED Flash, and a 2MP front camera.
2. Motorola Droid Maxx
Though it was first released in 2013, Motorola Droid Maxx offers great features. For example, it has good performance thanks to its 2GB of RAM, Qualcomm MSM8939 Snapdragon 615, and Octa-Core. Running on Android, it has a good display with a 5.5-inch screen. It’s equipped with a 21MP main camera and a 5MP camera for great photos and videos. The internal storage is 16GB, which is expandable up to 256GB using a microSD card. All the features make Motorola Droid Maxx one of the best free cell phones with no credit check no credit card needed you can get.
3. iPhone 11 Pro
iPhone 11 Pro offers several options for internal storage and colors. You can choose from 64GB, 256, and 512GB of storage. Gray, gold, silver, and midnight green are amongst the color options. This low-priced iPhone features an attractive shining metallic body and 5.8 inches of display. You can use this water-resistant phone with some service carriers, like T-Mobile, Cricket, AT&T, and Verizon.
4. Nokia 3.1A
Nokia 3.1A offers premium looks with its subtle curves and striking diamond-cut aluminum sides. The 5.2-inch Corning® Gorilla® Glass display makes it nestled in your hand comfortably. Capture some great and crisp photos using the 13MP main camera with LED flash and 8MP front camera. For smooth performance, it has a powerful Octa-Core processor with 2GB of RAM.
5. AT&T Radiant Core
If you go to the AT&T website or store, you can get free cell phones with no credit check no credit card needed like Radiant Core. It features a 5.5-inch display and a 5MP main camera with flash, making it easy to capture photos and videos. You can keep them in the 16GB of internal storage, plus an additional microSD card up to 64GB. The powerful Quad-Core processor provides pretty good performance.
6. HTC One M8
Another free cell phone with no credit check is HTC One M8. It features a stylish look design with 5 inch LCD touchscreen and protective Corning Gorilla Glass 3. The phone is equipped with Qualcomm MSM8974AB Snapdragon 801 and Quad-core 2.3 GHz Krait 400 Processor. They provide a great performance. Plus, it runs on Android KitKat. The dual 4MP and 5MP cameras allow you to take some good photos. Also, you can keep them in the 32GB internal storage.
7. BlackBerry Z10
With business- like design, BlackBerry Z10 features a 4.2-inch multi-touch display and great resolution. This easy and convenient to use cell phone has an 8MP camera, autofocus, LED Flash, and GEO-Tagging HDR. It offers 16GB of internal storage with an additional microSD card slot. You can use this phone with GSM carriers like AT&T and T-Mobile.
First Thing First: Check Your Credit Score
Before considering any of these options to get free cell phones no credit check no credit card needed, it’s recommended to check your credit score first. Your credit score may not actually as bad as you thought, which means you may qualify for a cell phone using your credit score. You’re able to check your credit and entitle to a free copy of your credit report once every 12 months from the three major credit bureaus: Experian, Equifax, and TransUnion. To get the report, just visit AnnualCreditReport.com and follow the steps to get your three free reports.
How to Improve Credit Score
If your score isn’t where you want it to be, you could consider holding to get a phone if it’s possible to wait. You can improve your credit score, and then once it’s great, you can buy the cell phone at a relatively fair price.
There are few ways to improve your credit score as you can see below:
1. Pay your bills on time
You’ll want to pay your bills on time, like credit card bills, loans, utilities, and rent. It’s good to use tools and resources to help ensure you pay on time every month, like automatic payments or calendar reminders.
2. Open New Credit Accounts Only as Needed
It’s strongly suggested not to open new credit accounts just to have a better credit mix. It may not improve your credit score. On the other hand, unnecessary credit may tempt you to overspend and accumulate debt. It also can create a hard inquiry on your credit report, which makes a negative impact on your credit score at least for two years.
3. Keep Balances Low on Credit Cards and Pay off Debt and
People with a 30% or less utilization ratio are considered to have the best credit score. It shows the lenders that you haven’t maxed out your credit cards and know how to manage credit well. You can keep your credit utilization ratio good by paying off debt and keeping credit card balances low.
Though you have bad credit, there are several options to get free cell phones no credit check no credit card needed. Well, you can say it’s simple, provided you do some research and choose one of the ways that suit you the best. Getting for prepaid plans can be the easiest way to own a free cell phone. However, having a good credit score allows you to purchase a cell phone at a relatively fair price. If it’s possible to wait, you can hold on buying one, and it’s a good idea to work on building your credit.