In this article, we will devote our full attention to no credit check T-Mobile. You will learn if there are any plans and phones available without a credit check at T-Mobile. Moreover, we will provide you with useful tips regarding your credit rating or score, which will help you out immensely. We will also revile how to get a no credit check T-Mobile phone and present you with the best 5 no credit check T-Mobile phones.
Besides, we will have a closer look at some other places that offer no credit check T-Mobile phones. That way you will be additionally equipped with the knowledge on where to obtain your T-Mobile phone with no credit check.
If you are ready, let’s dig in, shall we?
How Do I Know My Credit Rating
Your credit score is a number that represents your creditworthiness. Scores can also be referred to as credit ratings, credit scores, and sometimes as FICO® Scores “fico.com/en/products/fico-score”, created by Fair Isaac Corporation, and they typically range from 300 to 850.
There are currently three major credit reporting agencies – Equifax, Experian, and TransUnion. You can request a free copy of your credit report from any of those three credit reporting agencies ONCE EACH YEAR at the Annual Credit Report official website. This can also be obtained by calling 1-877-322-8228.
In case of being denied credit, you are also entitled to see your credit report within 60 days. Additionally, you may see your credit score if you are on welfare, unemployed, or if your credit score is inaccurate.
TIP: It’s extra smart to request a credit report from each of the three credit reporting agencies and to review them carefully, as each one may contain inconsistent information or inaccuracies. If you spot any errors, request a dispute form from the agency within 30 days of receiving your report.
Does T-mobile Offer No Credit Check Phones
Let’s just start off by informing you that T-Mobile currently doesn’t offer a no credit check option for leasing out phones or paying them in monthly installments, at least not for new customers.
However, if you are an existing customer, who has regularly and in full pay all your bills in the past 12 months, you may get upgrades and choose monthly payments for your new device without the need for a credit check.
Moreover, you can always avoid credit checks with T-Mobile by paying for a phone in full at the time of purchase.
In the past, T-Mobile offered a special ‘No Credit Check 10GB plan’ also known as ‘Grandfathered’ plan but that plan is no longer available (those that are already on that plan can continue using it).
How To Get A T-mobile Phone With No Credit Check
As mentioned above, there are several options to get a no credit check T-Mobile phone. The available options depend on whether you are an existing client, who has regularly paid all his bills for the past 12 months or more or if you are a new client.
How to get a T-Mobile Phone for the first time with no credit history
If you are just joining T-Mobile for the first time, they cannot trust you yet. As such, your only option for a no credit check T-Mobile phone will be to pay for a device in a single payment at the time of purchase. If you can pay for your new device in full, there is no need for a credit check as you will not owe T-Mobile anything.
However, if you wish to pay to lend a phone or pay it off monthly installments, you will need to have a solid credit score.
No Credit Check T-Mobile Phones for Existing Clients
If you are an existing client who has regularly paid all the bills for at least 12 months, then you will be entitled to the ‘$0 down. No credit check.’ option through their Smartphone Equality loyal customers rewarding program. Just pay your bill on time for 12 months to qualify for our best lease pricing on new phones and tablets—that means no down payment.
Main benefits of Smartphone Equality:
- Skip the credit check – You qualify regardless of your credit score.
- Best lease pricing – $0 down on select devices.
NOTE: Smartphone Equality is a T-Mobile program customer benefit that will not have an impact on your credit score.
Of course, as an existing customer, you can also get no credit check T-Mobile phones at any time if you pay their full retail price at the time of purchase.
5 Best T-Mobile No Credit Check Phones 2024
NOTE: All five models presented below are available through no credit check T-Mobile for those willing to pay their full retail price in a single installment. Those same phones may be available for those who meet the above-described Smartphone Equality eligibility requirements.
1. OnePlus 8 5G
The One Plus 8 5G is an amazing phone that packs a powerful enhanced triple camera (48MP/16MP/2MP), strong battery, and a large 6.55-inch Fluid AMOLED display.
Main features and specs:
- Enhanced 48MP/16MP/2MP Triple Cameras
- 5G Capable
- Premium-level Qualcomn Snapdragon 865
- 90Hz Refresh Rate Seamless Display
- 116° Ultra Wide Angle Camera
- Superfast Warp Charge 30T
- Dolby Atmos® Cinematic Dual Speakers
- 8GB RAM + 128GB Fast Storage
- On-Screen Fingerprint Sensor
- IP68 – Water & Dust Resistant
- OxygenOS 10.5
2. Samsung Galaxy A71 5G
The Samsung Galaxy A71 5G is a Samsung’s new model that packs all essential and many advanced features and powerful battery.
Main features and specs:
- 5G Capable
- 7” Super AMOLED + Infinity Display; 2400 x 1080 pixels
- Quad Camera with 64MP Main Lens
- 32MP Front Camera
- Long-Lasting and Fast Charging 4500 mAh battery – 36 Hours talk time; 16 Days standby time
- On-Screen Fingerprint Sensor
- Android 10.0 OS
- Bluetooth 5.0
3. Apple iPhone 11 Pro Max
Apple iPhone 11 Pro Max is Apple’s flagship model that is available in various colors and three internal storage options – 64GB, 256GB, and 512GB.
Main features and specs:
- 12MP Rear Triple-Camera System
- 12MP TrueDepth Front Camera
- 12 Hours talk time; 2.5 Days standby time
- 5″ Super Retina XDR; 2688 x 1242 pixels
- Bluetooth 5.0
- Face ID for Secure Authentication and Apple Pay
- Spatial Audio
- Dolby Atmos
- Wireless Charging
- Fast Charge with 18W Adapter Included
- Faster Wi-Fi
- Gigabit-Class LTE
- Audio Sharing
- Dual SIM with eSIM
4. LG V60 ThinQ™ 5G Dual Screen
The LG V60 ThinQ™ 5G Dual Screen is the best that LG has currently to offer. It packs many ultra-advanced features, including the unique dual-screen case.
Main features and specs:
- Triple 64MP OIS AF/13MP Wide/ToF Rear Cameras
- 8″ FHD+ OLED FullVision; 2460 x 1080 pixels
- 10MP AF Front Camera
- 8K Video Recording
- Dual Screen
- Long-Lasting 5,000 mAh Battery (Typ); 21 hours talk time; 24.5 Days standby time
- 5G Capable
- Capturing Voice Bokeh
- ASMR Recording with 4 MIC
- Android 10.0 OS
- LG Pay
5. Samsung Galaxy S20 Ultra 5G
The Samsung Galaxy S20 Ultra 5G is current Samsung’s flagship model and presumably the edgiest and advanced smartphone on the market.
Main features and specs:
- Quad 108MP +48MP +12MP +ToF RF Cameras
- 40MP Front Camera
- 9″ Infinity-O, Super AMOLED; 3200 x 1440 pixels
- 5G Capable
- Qualcomm Snapdragon 865 5G
- Superfast 25W Charge
- Intelligent 5000 mAh Battery; 37 Hours talk time; 12.6 Days standby time
- Expandable memory up to 1TB (SD card not included)
- Wireless PowerShare
- 8K Video Capture & 8K Video Snap
- IP68 Water & Dust Resistant
- Android 10.0 OS
The 8 Places That Offer No Credit Check T-Mobile Phones
NOTE: Keep in mind that you can purchase no credit check T-Mobile at most reputable retailers that offer T-Mobile phones if you decide to their full retail price. However, if you were to decide for monthly payments or lease, you may be required for a credit check. Keep in mind that T-Mobile offers a Bring Your Own Phone program, which means that you can lease an unlocked smartphone elsewhere and use it with their network.
1. Kmart
Kmart is a reputable chain store that offers you online and local stores. Besides, you can buy on their marketplace online. They currently offer only T-Mobile SIM card kits. However, from time to time they make special offers on T-Mobile phones, which can be purchased without a credit check. As such, it may be worth checking out Kmart if you are planning a T-Mobile phone purchase.
2. RENT-2-OWN
Rent-2-Own is another online store well worth glancing for any smartphone deals. Their smartphone deals tend to be grabbed super-fast, however, you may be lucky and on time to get one yourself. In addition to smartphones, they offer smartwatches and many other electronics, which you can rent and own over time. Most of their deals require no credit check.
3. Rent-A-Center
Rent-A-Center is very similar to Rent-2-Own, though they tend to have a slightly larger selection of smartphones. Currently, they have only Samsung smartphones, however, their offers tend to change frequently, thus new brands may be added. They offer you weekly, semi-monthly, and monthly payment options. You can own a device in 6 months or more. They also offer quite several payment options:
- AutoPay: Automatically make your regularly scheduled payments.
- Pause Payments: Life happens, and we’re here to help. Return your item at any time and we’ll pause your payments at no penalty. When you’re ready, get the product back (or a comparable item), and pick up where you left off. You don’t lose the money you already paid. Note that we only store your payment history for 2 years, so you’ll need to bring your last payment receipt as proof for reinstatement.
- Pay Online: Make Payments anywhere, anytime with the Rent-A-Center Mobile App or website.
- Pay by Phone: Call your local store and pay by phone ($1.99 convenience fee may apply).
- Pay In-store: Visit your local store to pay in person.
4. RentDelite
RentDelite is another online platform where you can rent your no credit check T-Mobile phone. It will normally be in the form of an unlocked device, which you may use with T-Mobile service via their Bring Your Own Phone option.
They currently offer Samsung, Apple, Motorola, and Blu smartphones. The RentDelite offers quite a great number of phones, though keep in mind that these are mostly older models. As such, if you want to get the latest model, this is not a place for you.
They too offer several payment plans, including, weekly, bi-weekly, semi-monthly, and monthly.
NOTE: Keep in mind that RenDelite tends to have rather high prices, and you could end up paying for an old phone model (if you were to own it) way more than you would for the latest model elsewhere (directly with T-Mobile).
5. SmartPay
SmartPay is a company devoted to putting retail within reach for our partners and their customers. By providing retailers with innovative leasing products, we empower consumers with greater purchasing power and fewer barriers to getting the products they desire. They devote their payment options to certain phone carriers, including Net10, Total Wireless, Boost Mobile, Simple Mobile, Straight Talk, and Page Plus, which means they are offering their services for T-Mobile phones. However, you may use their services with any of the above mention carriers and purchase a device there and then bring it over to T-Mobile via BYOP.
6. Gazelle.com
Gazelle is the leading reCommerce company that buys and sells pre-owned consumer electronics. They provide their customers with simple selling options by purchasing their used smartphones, tablets, and more. They then inspect, certify, and sell them to consumers looking for a cost-effective way to stay connected. Gazelle is simple, convenient and it works for everyone. You can purchase their phones with no credit check and then use those devices on T-Mobile via their BYOP option.
7. FlexShopper.com
FlexShopper is the largest online lease to own marketplace with over 85,000 top brand products. Their system work in 4 simple steps:
- Apply: Fill out our easy, online application in minutes. You can qualify for up to $2,500 instant spending limit (up to $113 per week)!
- Shop: Shop thousands of top brand electronics, furniture, appliances & more. FlexShopper has over 85,000 products – all with affordable weekly payments. They have an extremely wide range of smartphones from basically all popular brands. Their phones are unlocked and may be used with T-Mobile via their BYOP option.
- Sign: Accept their simple, electronic lease agreement. It takes just one click, and your product ships right to your door. It’s that easy.
- Lease to Own: After you receive your smartphone, your affordable weekly payment will be deducted from the bank account you provided. If you make all your payments for one year, you own it.
8. Best Buy
Best Buy is a reputable electronics store chain that enables you to shop for a wide range of phones in local stores and online. They have T-Mobile devices as well as unlocked smartphones that may be used with the T-Mobile BYOP option. They also offer various payment options, including monthly payment installments that in some cases do not require a credit check.
FAQ – Frequently Ask Question
What To Do If You’ve Been Refused A Phone Contract?
If that happens to you with T-Mobile, you can buy an unlocked phone elsewhere and use it with their network through their BYOP option. Make sure to check compatibility first.
Of course, to use T-Mobile service, you will need to select one of their unlimited plans, which will include a SIM card-only contract where you will pay monthly for your plan or one of their prepaid (pay-as-you-go options).
How to Avoid a Credit Check
To avoid a credit check when purchasing a phone these days it is best to pay for the phone in full at the time of purchase. If that is not an option for you, then you will need to explore the options presented above. You can always find a certain deal for unlocked phones where no credit check will be performed.
If you will not be able to avoid a credit check you will probably ask yourself the question below.
How to Pass a Credit Check for a Mobile Phone?
Here are the best tips on how to pass a credit check for a mobile phone:
- Make sure you are on the electoral roll. Sign up to the electoral roll and apply for a contract using the same address that you registered under.
- Consider choosing a cheaper mobile phone. – The more expensive the phone; the higher the chance of refusal. iPhones are the toughest phones to get for this reason so try and avoid the premium devices. Better still choose a SIM-only deal where no handset is included.
- Don’t keep trying to reapply. If you have been refused for a contract phone don’t keep reapplying as this shows on your credit rating and leaves a footprint. If you have been declined, then your first port of call should be a pre-paid pay as you go SIM. Most networks and MVNOs offer them.
- Ensure you have a proper bank account. Many people with poor financial history don’t have a bank account with a credit or debit card. This is essential for taking out a pay monthly phone.
- Ignore some of the myths around credit scoring. Blacklists, previous tenants, multiple checks – there are many myths about credit scores and we’ve heard them all.
How To Build a Credit History
How to improve your credit rating to get a mobile? If were to answer this question in depth, it would have been an extensive 3000+ article itself, thus we decided to provide you with the main key points on which you should focus. You can find the list of these below.
- Pay your bills on time
- Get credit for making utility and cell phone payments on time
- Pay off debt and keep balances low on credit cards and other revolving credit
- Apply for and open new credit accounts only as needed
- Don’t close unused credit cards
- Don’t apply for too much new credit, resulting in multiple inquiries
- Dispute any inaccuracies on your credit reports
Why Is My Credit Bad?
There can be countless reasons why your credit score is bad. The most common ones include not paying bills on time, not paying off your debt on time, not keeping balance on credit card low, having a lot of credit accounts, closing unused credit cards, inaccuracies on your credit report, etc.
Why Does A Contract Phone Require A Credit Check?
Most contract phones require a credit check because you are getting a device worth over $1000 (in the case of the latest top-notch phones), as such companies need to ensure that you are valid and reliable to pay for the upcoming monthly installments.
Why Was My Mobile Phone Contract Turned Down?
The most common reason lies in your poor credit score. You can try and improve your credit score by following the above tips or go with other alternatives, among which the most valid is SIM card-only plan.
