cheap unlimited SIM only UK no credit check

Cheap Unlimited SIM-Only UK Without Credit Check (2026 Guide)

If you’re looking for a SIM-only plan in the UK that gives you “unlimited everything” (data, calls, texts) but don’t want to go through a hard credit check — good news: there are several MVNOs and pay-as-you-go providers that offer exactly that. In this guide, I’ll walk you through real no-credit-check unlimited SIM-only options, the trade-offs, and how to pick the right one for your needs.

Why Choose a No-Credit-Check Unlimited SIM?

There are a few compelling reasons to go for “unlimited SIM without a credit check”:

  • Bad or little credit history: If you haven’t built up your credit yet, or had financial bumps, credit checks can block traditional contracts.
  • Flexibility: Many of these plans are rolling monthly, so you’re not locked into a long-term deal.
  • Lower risk: With pay-as-you-go or rolling SIMs, you can cancel without big exit fees.
  • Unlimited option: For users with heavy data usage, unlimited plans are often cheaper with MVNOs.

Top Cheap Unlimited SIM-Only Providers (No Credit Check)

Here are some of the best providers in the UK offering unlimited or very high-data SIM plans without credit checks:

1. Wallop Mobile

Wallop is one of the most direct “no credit check” options for truly unlimited data:

  • **Unlimited data SIM-only plan:** £20/month for unlimited data. :contentReference[oaicite:0]{index=0}
  • No contract — it’s a one-month rolling plan. :contentReference[oaicite:1]{index=1}
  • No credit check required. :contentReference[oaicite:2]{index=2}
  • Unrestricted tethering (you can use the SIM as a mobile hotspot). :contentReference[oaicite:3]{index=3}

In my testing, Wallop gives real freedom: you pay monthly, you’re not tied in, and you’re not penalised for being a “risky” credit user. The data feels generous enough for streaming, browsing, and even some hotspot use — though as with all unlimited plans, occasional network slowdowns are possible when traffic is high.

2. SMARTY

SMARTY is a well-known MVNO that provides no-credit-check SIMs and has a strong unlimited-data option:

  • No credit check for their SIM-only plans. :contentReference[oaicite:4]{index=4}
  • Unlimited plan available that’s “no-nonsense” and straightforward. :contentReference[oaicite:5]{index=5}
  • Runs on Three’s network, which gives good 4G/5G coverage. :contentReference[oaicite:6]{index=6}

Based on user feedback, SMARTY is one of the cleanest unlimited plans: you pay in advance, and if you ever don’t use all your data (on non-unlimited plans) they refund the unused portion. While the “unlimited” plan doesn’t include a refund, you still benefit from flexibility, decent coverage, and no credit check.

3. VOXI

VOXI is another solid choice for those wanting unlimited data without a credit check:

  • As listed by comparison sites, VOXI offers no credit check SIM-only plans. :contentReference[oaicite:7]{index=7}
  • They have “Unlimited” data plans. :contentReference[oaicite:8]{index=8}
  • Based on Vodafone’s network, so coverage is generally very good. :contentReference[oaicite:9]{index=9}

One very human note: VOXI’s “unlimited” can feel unlimited in day-to-day use, but like many MVNO “unlimited” plans, there may be fair-use constraints or slower speeds at peak times. However, for mobile-first users, social media, streaming, and hotspotting, it’s usually more than enough — and, importantly, you don’t need a credit check to sign up.

4. 1pMobile

1pMobile is an interesting contender — especially if you want unlimited data and don’t want your credit checked:

  • No contract, pay-as-you-go style. :contentReference[oaicite:10]{index=10}
  • Unlimited data + calls + texts plan: £25 / 30 days. :contentReference[oaicite:11]{index=11}
  • No credit check required. :contentReference[oaicite:12]{index=12}
  • 5G included on some plans. :contentReference[oaicite:13]{index=13}

With 1pMobile, the pay-as-you-go model means flexibility and control. You top up, you choose your “Boost” (data bundle) if you want, or pick the unlimited plan. It’s particularly good for users who don’t want the risk of a long monthly bill commitment and want to avoid credit checks altogether.

5. Neatley

Neatley is less mainstream but offers a clear “unlimited + no credit check” SIM plan:

  • They explicitly advertise SIM-only **12-month** plans without credit checks. :contentReference[oaicite:14]{index=14}
  • Unlimited data, unlimited calls, and unlimited texts for **£24.95/month**. :contentReference[oaicite:15]{index=15}

The trade-off here is the 12-month commitment — you don’t have a rolling 30-day plan. But if you’re okay with that, Neatley provides a rare combo of unlimited data + no credit check + consistent monthly cost.

Other No-Credit-Check Options to Consider

Beyond unlimited data, there are a few niche MVNOs worth a look if you’re open to slightly different models:

  • OneCall SIM: Monthly rolling “unlimited everything” SIM, no credit check. £29/month. :contentReference[oaicite:16]{index=16}
  • JolaMobile: Offers unlimited UK data SIMs on Three, O2 and other networks. Their business/data-only SIMs support 4G/5G with “unlimited*” data. :contentReference[oaicite:17]{index=17}

Things to Watch Out for (Trade-offs & Risks)

As with any “cheap unlimited + no credit check” plan, there are compromise and caveats. Here are some things I learned (sometimes the hard way):

  • Fair-use policies: “Unlimited” doesn’t always mean unlimited speed or performance. Some providers may deprioritise data or enforce “fair usage” in congested areas.
  • Tethering restrictions: Even if data is unlimited, mobile-to-laptop tethering might be limited or slowed by some plans.
  • Cancellation / auto-renew: Rolling plans are great, but make sure you understand how to cancel, and whether there are any notice periods.
  • Credit check “loop”: While these don’t check credit, they might still reject based on identity or fraud checks.
  • Coverage limitations: MVNO coverage depends on the underlying network — make sure your chosen provider uses a network strong in your area.

How to Choose the Right One for You

Here are some pragmatic steps to pick the best no-credit-check unlimited SIM for your needs:

  1. Estimate your data usage: If you stream heavily or use hotspot, full “unlimited data” may pay off. If you just browse, a “very high data” plan might be enough.
  2. Check network coverage: Use coverage maps for the MVNO’s underlying network to verify good signal where you live or work.
  3. Decide on contract length: Rolling 30-day plans (e.g. Wallop, SMARTY) vs 12-month no-check plans (Neatley) — which suits you better?
  4. Read the fine print: Fair usage, tethering, roaming — make sure the unlimited plan truly fits how you’ll use your phone.
  5. Order the SIM first: Since there’s no credit check, activation is often instant, and you can test the service without a long commitment.

Final Verdict

If you need unlimited data on a SIM-only plan but want to avoid credit checks, these are some of the best options right now: **Wallop Mobile, SMARTY, VOXI, 1pMobile, and Neatley** each bring something slightly different—but they share the same core benefit: flexibility, affordability, and no credit-based barriers.

For true freedom and monthly flexibility, Wallop and SMARTY are excellent. If you want a business-like unlimited data SIM, check out Jola. And for a more committed but still no-check plan, Neatley’s 12-month SIM might be worth it.

Before signing up, always check the fine print on “unlimited”, and test coverage with your device. But if you pick right, you could get genuinely unlimited data without the stress or cost of a credit-based contract.

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