Last updated: March 2026 • Reviewed by Compare The Networks
Business SIM Only: No Credit Check Required
Through Compare The Networks, you can get a business SIM only deal with no credit check. Whether you are a brand-new startup, a sole trader just getting started, or a business with a limited credit history, our SIM only packages are available to everyone. Plans start from just £6 per month (ex-VAT) with data, unlimited calls and unlimited texts included.
This is specifically for SIM only deals. If you need a handset contract (phone included), a standard credit check will be required by the network. The simplest way to avoid credit checks entirely is to choose SIM only and use your existing phone or buy a handset outright.
SIM Only Deals Available Without Credit Check
| Network | Data | Contract | Monthly (ex-VAT) | Credit Check? |
|---|---|---|---|---|
| Three | 1 GB | 24 months | £6.00 | None No Check |
| O2 | 5 GB | 12 months | £7.50 | None No Check |
| Vodafone | 10 GB | 12 months | £8.00 | None No Check |
| EE | 10 GB | 24 months | £9.00 | None No Check |
| Three | Unlimited | 24 months | £10.00 | None No Check |
| Vodafone | Unlimited | 24 months | £16.00 | None No Check |
| EE | Unlimited | 24 months | £19.00 | None No Check |
All prices ex-VAT. Annual RPI price increases apply. All SIM only deals available through Compare The Networks without a credit check.
Who Is This For?
- New startups with no trading history or established business credit
- Sole traders who have just registered as self-employed
- Businesses with limited credit or previous credit issues
- Anyone who prefers not to have a credit search on their file
- Businesses needing quick setup — no credit check means faster processing
SIM Only vs Handset Contract: What Is the Difference?
| Feature | SIM Only (No Credit Check) | Handset Contract (Credit Check Required) |
|---|---|---|
| Credit check | None | Standard business credit check |
| What you get | SIM card with data, calls & texts | Phone + SIM with data, calls & texts |
| Monthly cost | From £6/mo | From £20-30/mo |
| You need | Your own phone (any unlocked handset) | Nothing — phone included |
| Setup time | 1-3 working days | 3-5 working days |
| VAT reclaimable | Yes | Yes |
| Tax deductible | Yes | Yes |
If you already own an unlocked phone, a SIM only deal is the most cost-effective and fastest way to get a business mobile line set up. You get the same network, same coverage, same data — just without the handset cost built into the monthly payment.
How to Get Started
- Choose your plan — Pick the data allowance and network that suits your needs from the table above, or contact us for advice.
- No credit check — We process your SIM only order without a credit check. No hard search on your credit file.
- Receive your SIM — Your SIM arrives within 1-3 working days. Insert it into your phone and activate.
- Port your number — If you want to keep your existing number, we handle the PAC code transfer. Your number moves over within 1 working day.
The entire process typically takes less than a week from order to active SIM. For businesses that need multiple lines, we can process all SIMs simultaneously.
Want a Handset Too?
If you do not have an existing phone and need a handset, you have two options:
Option 1: Buy a Phone Outright + SIM Only (No Credit Check)
Purchase a phone separately (new or refurbished) and pair it with a no-credit-check SIM only deal. Budget smartphones like the Samsung Galaxy A16 or Nokia G42 cost £100-£200 outright. Pair with a £6-10/month SIM only plan for a total cost well under £20/month. This route requires no credit check at all.
Option 2: Handset Contract (Credit Check Required)
If you prefer to spread the cost of a new phone over a contract, handset deals start from around £20-30/month. These do require a standard credit check. If your credit is limited, starting with a SIM only deal for 6-12 months first can help build a payment history that improves your approval chances later. See our iPhone deals and budget handset deals pages for options.
Get a Business SIM — No Credit Check
SIM only plans from £6/month, no credit check, no hassle. Tell us what you need and we will set it up.
Get StartedWill applying affect my credit score?
No. Our SIM only deals do not involve a credit check. There is no hard search on your personal or business credit file, so your credit score is completely unaffected.
Can I get unlimited data with no credit check?
Yes. Three offers unlimited data SIM only from £10/month, Vodafone from £16/month, and EE from £19/month — all available through us with no credit check.
Can I upgrade to a handset contract later?
Yes. Once you have been on a SIM only plan for 6-12 months with a good payment history, your chances of passing a handset contract credit check improve significantly. We can help you upgrade when you are ready.
Do I still get business billing and VAT invoices?
Yes. Our SIM only deals are full business contracts with proper VAT invoices, dedicated business support, and all the same benefits as a credit-checked contract. The only difference is the absence of a handset.
See also: All SIM Only Deals, Sole Trader Deals, Cheapest Deals Under £10, Small Business Deals.