Get Accepted For a Phone Contract

All applicants welcome, quick approval, latest smartphones, bad credit not a problem.

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Get a Great Phone Deal

Our goal is to help you find a great mobile phone dea, no matter what your credit history.

About Swiftys

Learn more about the Swiftys serivce and how we grew to be one of the most resepcted names in the UK telecommunications market.

Do you cater for bad credit applicants?

In short, yes! Here at Swiftys we cater for all comers. Whether you have a poor credit history our outright bad we'll try to pair you with a network who can offer you a mobile phone deal that meets your needs and requirements. We operate our mobile phone comparison service 24/7/365 and can have you approved for a phone in less than 2 minutes.

Do you offer phone contracts with no credit check?

Here at Swiftys we never carry out credit checks on our applicants. Our phone matching service uses our eligibility checking software. We work with several providers who offer no credit check phone deals. As well as traditional networks who will need to check your credit score. Typically, soft searches are performed to determine if you're eligible for a phone and should you choose to go ahead with the full contract a regular credit search will be performed. You will always be told about this prior to application.

How long does it take to get a decision?

Once you have filled in your application form (which takes roughly 60 seconds) you will be connected to multiple networks and provided with an instant on screen decision will be presented to you. The loan amount and terms you're offered may differ to those you originally requested. At this point you can decide if you'd like to proceed with the mobile phone deal offered.

Check out our helpful guides

Learn how to boost your chances of approval for a standard contract phone with our step by step guides.


Which network is easiest to get approved for a contract phone with? Are some easier than others? Our guide covers how each network operates with credit checks.

View Network Guide
sim only

Looking to rebuild credit in a sensible way that helps you stay on top of your finances? We run through SIM Only and why it’s a better choice for most people instead of a phone contact.

View SIM Only Guide

To get a contract phone you’ll need to be at least 18 years old, a UK resident and have a regular monthly income. You’ll also need a valid debit card and active bank account.

Learn About Approval Criteria

Why Choose Us?

Credit scores are one of the most stressful things that we have to deal with. Ideally we’d be able to prove that we have a stable income and wipe the slate clean of any issues from the past Unfortunately, credit ratings are more complicated. Here's how we make it easy.

Strict Data Protection

We are registered with the ICO and abide to strict data protections policies. Only passing your data to relevant organisations that you must accept during the application.

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Secure Application is protected via SSL, ensuring your details are encrypted. We only store your data for a matter of days before expunging it from our systems.

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High Acceptance Rates

Since Swiftys launched in 2011 we have processed over 1 million phone applications. Due to our high approval rates, customers turn to us when they need a great mobile phone deal.

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No Fees

Our service is completely free. We do not charge any fees to start an application or to process it. You only incur costs when you take out a deal.

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Happy Customers

See what some of our past customers have to say about Swiftys.


I applied online and have a new phone in my hands within three days. Fantastic service!


I had a bad credit score, thankfully I found Swiftys and they came through for me.


I must say the service from start to finish has been first class. I'll definitely be back for a new phone in 2 years!


Very easy to apply. Took me 2 minutes and I had several options to choose from. Thanks!


Amazing service as always. I am new to the UK with no credit history but got a great SIM Only deal to start building my credit score.

Bad Credit Phone Deals with High Approval Rates

Fill out our secure application form for a new contract phone today.

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