GUIDE
No-Contract Phone Plans With No Credit Check
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You do not need a credit history or a two-year contract to get a good phone plan. Prepaid and no-contract plans let you pay month to month and cancel anytime.
Why they work
No credit check for service.
No contract: stay as long as you want.
Clear monthly price with no cancellation fees.
Keep in mind
Buying a phone on monthly payments (financing) may require a credit check.
Bringing your own unlocked phone is the easiest way to avoid that.
Check whether the price requires AutoPay.
Example: Boost Mobile
Boost Mobile has no-contract plans from $25/month with AutoPay (new customers pay $10/month for the first 3 months), with 30GB of premium data. It also has a 30-day money-back guarantee (activation fees and phone payments are non-refundable).
See Boost Mobile no-contract plans
Prices checked September 2026. Plus taxes and fees. Confirm current details with the provider.