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Getting a Contract Cell Phone with Bad Credit

Updated on January 11, 2010

Given the amount of money someone can spend on their cell phone bill with ringtones, wallpapers, applications, international long distance, and other charges, cell phone companies are increasingly becoming more stingy, asking for huge deposits to secure service. This article will help you understand which cell phone carriers are likely to give you service even if you have bad credit.

Bad Credit but want a cell phone? Read on!
Bad Credit but want a cell phone? Read on!

Even if you do have bad credit and need a deposit, you do get it back. Most cell phone carriers require 12 months of on time payments, with no suspensions, and will credit back your deposit in the 13th month of service. Keep in mind that's 12 straight months, with the clock restarting any time a service suspension occurs.

Let's look at the deposit requirements by cell phone carrier:

AT&T Mobility Credit Requirements

AT&T has the highest initial deposit, usually $250, and as high as $750. If you have bad credit and want a cell phone, AT&T shouldn't top your list.

However, if you want rollover minutes, know a ton of people on AT&T, or want a specific phone, it might be worth the extra savings to get AT&T even with a deposit. You do get  your deposit back after 13 months, provided you've made on time payments with AT&T.

If all else fails, you can get unlimited talk and text prepaid with AT&T for $60, and most cell phones come with an airtime credit.

Verizon Wireless Credit Requirements

Verizon Wireless' credit requirements are about the same as AT&T's, but with a starting point of $125, and then heading to $400 and beyond. If you don't like Verizon's answer when it comes to cell phone deposit requirements, don't bother checking with AT&T.

Once again, you get your deposit back after 13 months, and the $125 deposit might not be so bad if you want the latest phones on the Verizon network, and you can use the opportunity to help build your credit. 

Remember, it's only a credit check, and that won't hurt your credit score if you check one or two different cell phone carriers. It does pay at times to shop around.

Sprint/Nextel Credit Requirements

Before the Sprint/Nextel merger, Nextel had one of the toughest credit policies around, with deposits as high as $1500, until it introduced its account spending limit (ASL) program, which allowed for lower deposits, but if your account balance reached a certain amount, your phone would suspend itself, awaiting a payment on the account.

After the merge, ASL accounts were allowed by both Sprint and Nextel subscribers, leading to the lowest of deposit amounts, typically $50 - $125. However, once you are an ASL customer, it's really difficult to get removed from the account spending limit program. Make sure you understand what your limits are and consider if it's going to fit your needs as a cell phone subscriber; sometimes ASL doesn't allow for international long distance rates or roaming, or allow you to purchase premium content on your account.

T-Mobile Credit Requirements

T-Mobile is probably the 'go to' cell phone company for bad credit cell phones, as there is no deposit requirement for T-Mobile. Instead, T-Mobile has opted to offer their customer two different types of plans, called FlexPay.

Flexpay offers contract accounts to customer's of a certain credit class, giving you a discount on your cell phone in return for a two year agreement. If you don't qualify for FlexPay, you have the option to do a month-to-month plan, but you have to pay full price for your equipment. On monthly FlexPay, they even give you a discount on the service. However, once you're on a monthly plan, count on getting no discounts on a cell phone, and you cannot move to a contract plan if your credit improves without getting a new cell phone number.

The Final Word on Bad Credit Cell Phones

No matter what your credit class, cell phones are still a luxury item, costing subscribers nationwide about $50 a month. If you don't really need a cell phone, then there is no need to even apply. There is a growing number of no-contract options for people who don't need a contract and don't mind paying a bit more up front for the ability to walk away, listed here.

Remember, if you get a contract phone, deposit or not, and default on your payments, your credit score can be further affected. Cell phone carriers do not report positive credit, like a loan or credit card, but only when your account is forwarded to a collection agency. 


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    • CrazyGata profile image


      4 years ago from Puerto Rico

      It does hurt you to make constant requests to your credit history. Especially shopping around. Make sure you do want the phone and are happy with the terms before inquiring on your credit. Save those inquiries as much as you can for things that really matter like buying a house.

      On the other hand, congrats, your article scores high on my Google search engine.

    • profile image

      Mikal Hinkle 

      6 years ago

      I want a cell phone but, there are parking tickets, Moving violations on my credit report, can I qualify for cell phone with the avove incidents on my credit.

    • profile image

      Annezz Fouche 

      6 years ago

      Application on a Blackberry Touch or Bolt

    • profile image

      Lea Williams 

      7 years ago

      Something I found interesting is the fact that I have pretty crappy credit yet was able to get on with AT&T with NO deposit, while Verizon was asking for $400/line. Sprint was willing to extend service with no deposit as well. If you live in an area that has US Cellular, you're in luck, since the majority of their deposits are just $25/line (I know because I used to work for them).

    • profile image


      7 years ago

      I have been looking for detailed information on the deposit requirements for the cell phone carriers for those of us with less than desirable credit. Nothing on the cell phone companies web pages with the amounts. Glad I found what I was looking for. I also found additional info on US Cellular's deposit requirements at: I am just wondering if you could get a better deposit amount if you got a basic phone?


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