Get a Mobile Phone Deal Even With Bad Credit.

No upfront payments, big discounts and network sign up offers. Bad credit welcome.

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Struggling to get accepted?

What is Bad Credit?

If you need a mobile phone but have been turned down, the likely reason is that you have a lower credit rating than the network is willing to accept. There are a a number of of things that can impact a person’s credit rating.

The first, and most obvious, is their history of repaying credit. If you have missed, or been late with a repayment, then this will have been recorded on your credit file. If you have multiple late, or missed payments, your credit score will have been impacted and this will make obtaining a contact phone very difficult.

The Latest Smartphones

What Phone can I get?

All of the providers on our extensive mobile phone panel are slightly different, offering slightly different terms. That means we have a great range of smartphones that are available to you.

You can apply for cheap handsets like the Huawei Y7 through to premium handsets like the iPhone 11. You can even spread your repayments weekly or monthly. This gives you great flexibility in finding mobile phone deal that fits your budget.

Whether you are looking for just a SIM, or a new contact phone, Swiftys can help. Just complete our online application to get an instant decision for your mobile phone deal for bad credit.

We will not affect your credit score

Will I be approved for a phone contract?

If you want to apply for a mobile phone deal with bad credit, you can use our quick application form to check your eligibility. This is 100% free to use and allows you to narrow down which netorks are the most likely to approve your application.

Our technology means that you can check if you are likely to be approved by a network before you make a full application.

We do this without leaving any footprint on your credit file. This means you can get the confidence to apply, knowing we are finding you the very best mobile phone deals on the market without you needing to submit multiple applications to multiple networks.

This is a great time saver and helps you get approved quickly and have the phone sent out to you as soon as possible.

Read Our Bad Credit Guides

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

Which network is easiest?

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 Guide

SIM Only Deals

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 Guide

Approval Criteria

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.

View Guide

I applied for a phone at the beginning of June. Because of my bad credit score I highly doubted that it would be accepted but I was so wrong. I applied for iPhone but based on my situation I was offered a Galaxy S9. Application was quick and easy, repayment plan suits my affordability. I can honestly recommend.


Paula Langley

Got a phone even with bad credit.

To apply first time was a breeze just a few details and you are sorted, weekly or monthly repayments are easy as you don't need to do anything or you can save by repaying early which is what I did and I saved over £150 so I'd recommend giving Swifty's a go.

Jez Quigley

Got approved and paid his handset off early.

What a quick and easy process , great company , will use again for future phone deals.

Dwayne Murphy

Got the phone he needed


Not everyone has perfect credit and Swiftys specialise in finding the best phone deals available from their network panel, whatever your circumstances.


It is our mission to help people find the right mobile phone deal in the most convenient way possible. Saving time and money!


At Swiftys we take responsibility very seriously and do our best to ensure any online phone applied for is affordable. Please only apply for a contract that you can afford to repay and ensure you read the terms and conditions of any agreement.

Get Approved Today

Our online application is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Start Your Application