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How to Get Approved for a Cell Phone With Bad Credit

When you have bad credit, it can be a lonely and isolating feeling.

But, the truth is, you’re not alone.

In fact, 53% of Americans published by PR Newswire have been told they do not qualify for a credit card or loan because of their credit score. 

However, this shouldn’t impact your ability to buy the things you need for daily life. 

While cell phones used to be seen as a fun luxury, they are now considered a necessity.

If you need to learn how to get approved for a cell phone with bad credit, you’ve come to the right place.

Keep reading for 5 tips on how you can get a cell phone with bad credit.

When you have bad credit, it can be a lonely and isolating feeling. #badcredit #cellphone #tipstohelp

How to Get Approved for a Cell Phone With Bad Credit

Check Your Credit Score

When was the last time you checked on your score?

Is it possible that it’s not as bad as you think it is?

Get started by requesting a free copy of your report.

You may find that your score is better than you expected and that you can get a cell phone. 

At the very least, you’ll better understand your finances, which is always a good thing.

If your score isn’t good enough to qualify for a cell phone, then you still have other options.

If your score isn't good enough to qualify for a cell phone, then you still have other options. #badcredit #cellphone #tipstohelp

Offer to Pay More Upfront

Some cell phone carriers may give you a cell phone with no credit check if you’re willing to put down more money upfront.

This payment is known as a security deposit and it helps prove to the carrier that you can be trusted. 

Remember, different carriers may have different policies regarding credit checks. It’s best to shop around and find a carrier that is willing to work with you. 

Choose a Prepaid Option

Whether you have your eye on the latest iPhone or you don’t have a preference for the type of phone you get, consider signing up for a prepaid plan instead. 

Prepaid carriers don’t require credit checks because you pay for the service upfront and there’s a lower overall risk to the carrier.

Simply put, choosing a prepaid plan makes getting a cell phone with bad credit easier. 

And best of all, there are prepaid options available under nearly every major cell phone carrier. 

Simply put, choosing a prepaid plan makes getting a cell phone with bad credit easier. 

Find a Co-Signer

Just as you would with a home loan or an auto loan.

You can increase your chances of getting a cell phone by asking a trusted friend or family member to serve as your co-signer. 

This gives the carrier peace of mind that if you can no longer pay for your cell phone plan, someone else on the account will take responsibility for payments. 

Alternatively, if your friend or family member isn’t comfortable being a co-signer, ask if they would add a new line for you to their existing plan instead.

Carriers typically only run a check for the primary account holder.

This way, you could pay them directly instead of going through a carrier. 

Carriers typically only run a credit check for the primary account holder. #badcredit #cellphone #tipstohelp

Now You Know How to Get Approved for a Cell Phone with Bad Credit

Now that you know how to get approved for a cell phone with bad credit, you can have more confidence when meeting with carriers to get the phone you need. 

Keep reading through our site for more information about how to improve your finances, health, and overall wellbeing. 

About Julee: Julee Morrison is an experienced author with 35 years of expertise in parenting and recipes. She is the author of four cookbooks: The Instant Pot College Cookbook, The How-To Cookbook for Teens, The Complete Cookbook for Teens, and The Complete College Cookbook. Julee is passionate about baking, crystals, reading, and family. Her writing has appeared in The LA Times (Bon Jovi Obsession Goes Global), Disney's Family Fun Magazine (August 2010, July 2009, September 2008), and My Family Gave Up Television (page 92, Disney Family Fun August 2010). Her great ideas have been featured in Disney's Family Fun (Page 80, September 2008) and the Write for Charity book From the Heart (May 2010). Julee's work has also been published in Weight Watchers Magazine, All You Magazine (Jan. 2011, February 2011, June 2013), Scholastic Parent and Child Magazine (Oct. 2011), Red River Family Magazine (Jan. 2011), BonAppetit.com, and more. Notably, her article "My Toddler Stood on Elvis' Grave and Scaled Over Boulders to Get to a Dinosaur" made AP News, and "The Sly Way I Cured My Child's Lying Habit" was featured on PopSugar. When she's not writing, Julee enjoys spending time with her family and exploring new baking recipes.
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