Back to top

Broadband with No Credit Check

Compare broadband offers with no financial background check - great for those on a low income.

Please enter valid UK postcode.
Rated 5/5 on Trustpilot based on over 680 reviews
Trustpilot logo
Rated 5/5 based on over 680 reviews
Broadband with No Credit Check
Free and impartial

Free and impartial

Rated 5/5 on Trustpilot

Rated 5/5 on Trustpilot

Offers from over 15 providers

Offers from over 15 providers

Hyperoptic Broadband

30Mb Fibre Connection - Broadband Only

12 month contract Fibre + Phone

30Mb / second

Average speed

Unlimited

Usage

£17.99 / month

£9.99 upfront fees

Onestream Broadband

Jetstream Fibre Unlimited Broadband

24 month contract Fibre + Phone

17Mb / second

Average speed

Unlimited

Usage

£18.95 / month

£0 upfront fees

Plusnet Broadband

Unlimited Broadband

18 month contract + Phone
£70 Plusnet Reward Card

10Mb / second

Average speed

Unlimited

Usage

£18.99 / month

£0 upfront fees

Shell Energy Broadband

Fast Broadband

18 month contract + Phone

11Mb / second

Average speed

Unlimited

Usage

£18.99 / month

£0 upfront fees

John Lewis Broadband

Unlimited Broadband & Evening and Weekend Calls

12 month contract + Phone
John Lewis £35 E-Giftcard

10Mb / second

Average speed

Unlimited

Usage

£19.00 / month

£0 upfront fees

Show more

Do I have bad credit?

Bad credit can be a result of any negative financial activity, from missed repayments to bouncing direct debits; from County Court Judgements to bankruptcy. The frequency and severity will determine just how negatively your credit score is impacted.

But you could also fail a credit check because of inconsistencies on your report, such as with addresses you’ve provided. Not being on the electoral register or having financial associations with someone else whose credit score is poor will also count towards bad credit.

Can I get broadband with bad credit?

Yes, absolutely. 

Some companies will check your credit rating before accepting you as a customer, but you won’t be subject to a rigorous check like when applying for a mortgage or a loan. So even if you have a poor credit history, there will likely be a broadband package out there for you. 

Sometimes, if you have a bad credit history then you’ll need to put down a deposit, which the provider will use to make any bill payments you miss. 

It’s also worth bearing in mind that rejected applications do show up on your credit report and can negatively impact it. Therefore, if you’re unsuccessful in your application, don’t continue to apply for broadband left, right and centre or you risk damaging your credit score further. Instead, simply avoid this scenario altogether and opt for a broadband package for people with bad credit.

Some providers offer broadband without a credit check at all. If you are really worried about your credit rating it may be best to go straight to one of these. 

Which providers offer broadband with no credit check?

Now Broadband

Now Broadband doesn’t run credit checks; instead, you pay in advance for the service you use. And if you don’t, then you won’t have access to television or broadband - simple. Now Broadband also have some of the most competitive broadband deals going.

Plusnet 

Plusnet similarly don’t carry out credit checks. Cheap broadband deals for fibre optic are a regular feature and the company rank highly for customer service, too.  

Direct Save Telecom

DST are another provider who offer broadband deals with no credit checks. Similar to Now Broadband, you make your first payment in advance which then activates your connection. While they tend to be on the whole a little pricier than Now Broadband and Plusnet, they do offer plenty of short-term contracts which can be great if you have an uncertain living situation or don’t want to be tied into an extended contract.      

BT Basic 

This package from BT is for those on lower incomes or in receipt of certain benefits. You can get standard broadband with speeds of around 10 megabytes per second (Mbps), but the caveat is that your internet will be capped at 15 gigabytes (Gb). As it’s not unlimited, you will need to keep an eye on your internet usage to avoid being charged higher rates for going over your allowance.  

Do the Big Four broadband providers require a credit check?

The Big Four broadband providers are BT, Sky BroadbandTalkTalk and Virgin Media, who collectively hold a significant portion of the UK broadband market. If you are set on one of these providers then you will have to go through a credit check. Don’t worry though, as this will be far less stringent than credit checks for mortgages or loans.

TalkTalk is the most likely household-name broadband provider to accept customers with bad credit. BT and Virgin Media will usually ask you for a deposit which they can use to pay your bills if you are unable to do so.

If you are unsuccessful in getting a deal with one of these providers, you can always head to one that doesn’t run a credit check at all.

If you are unsure where to start it is a good idea to look at cheap broadband deals; the cheaper the deal, the better your chance of being accepted with bad credit. 

How is bad credit broadband different from regular broadband?

In terms of the broadband itself, there are no differences at all. If you pay for standard broadband, that’s what you’ll get. Your actual connectivity speeds will depend on your postcode, but the service you receive from the provider should be no different to if you had a great credit score. In sum, having bad credit doesn’t affect the broadband at all; the terms and conditions of your contract may just be slightly different.  

Last reviewed: 01 April 2021

Next review: 01 May 2021