Provided that you picked the right phone contract plan, you’ll be enjoying a range of advantages with this type of phone deal in the long run. And as long as you have good credit, you can choose practically any phone contract deal you want. It’s a different story if you have a poor credit history.
Because you’re considered a high-risk customer with your bad credit score, you’ll most likely have a difficult time getting approved for a phone contract. This is where guaranteed mobile phone contracts come into the picture. We’ve created this guide to help you better understand the advantages of the phone deal and so you can make the right decision.
What are guaranteed phone contracts?
Guaranteed phone contracts are exactly what its name suggests. These are phone contracts with more or less guaranteed approval regardless of your credit score. Even if major carriers refuse you a phone contract, you have a handy alternative with guarantee phone deals. In fact, these deals are specifically offered for customers with bad credit. There’s no credit check conducted hence the fast and easy approval. You’ll basically just need to meet the requirements and you’re application is ready to get approved.
What are the advantages?
Like a typical phone contract for customers with good credit, guaranteed phone deals come with a number of advantages, which include the following:
Free handset – Like any other phone contract deal, you get to choose a handset. Considering that you have a bad credit score, however, the choices may be limited to cheaper models at this time but you can always upgrade it later on.
Bundle plan – In addition to the handset, you also get to choose a bundle plan, which includes your call, text and data allocation per month.
No credit check – The chief advantage for guaranteed phone contracts is the no credit check requirement. Approval is not only faster this way but approval rate is also higher. With this type of deal, customers who really need a phone contract do not need to worry about getting a rejection from their carrier anymore.
Credit rating boost–Another excellent advantage is your change to boost your credit rating if you commit to pay your monthly bill in full and on time every month until the end of your phone contract term.
What are the disadvantages?
Guaranteed phone contracts are not all advantages. There are also a couple of downsides to keep in mind if you’re applying for this type of phone deal. Among its disadvantages include:
Long contract – When you get approved for a phone contract, you’ll be tied to a fixed monthly fee until the end of term. The typical contract length for guaranteed phone contracts is 24 months. This means no missing payments unless you want penalties and other charges.
Higher monthly fee–Though no credit check is ran, guaranteed phone contract providers lower the risks on their end by charging a higher monthly fee than if you have a good credit history.
Is it for you?
Like with any major deals you get into, weight the advantages against the disadvantages helps if you want to get the most value out of your phone contract deal. It also helps to remember that phone contracts are not always the best option for everyone. To know if it’s the right type of deal for you, you should assess your call, text and data needs first then find a guaranteed phone contract plan that can meet those needs perfectly. This way, you’ll be able to guarantee that you’ll make your monthly payments count up to the last cent.
Even if statistics show a staggering amount of money overspend on phone contracts, majority of mobile users in the UK still avail a phone contract because of the handset. Depending on your plan, the handset usually comes for free as part of the package. Other than your phone tariff, it’s the handset aspect that can affect your fixed monthly fee. Here’s how to choose a handset that will allow you to get the most value out of your plan:
Know your budget
You shouldn’t start shopping for a handset unless you know your budget. Because you’re going to get into a lengthy contract, your budget should be a key deciding factor. This means foregoing the latest handset unless you can afford the monthly fee. Sit down and determine how much you can afford per month for your phone bill then limit your options within your set budget range.
Research phone features
In order for you to choose the right handset, a little research of key phone features will go a long way. You can start off with the operating system. There are three major choices with your phone’s OS and they include Apple’s iOS, Android and Windows Phone. If you can pick an OS right away, it will be easier to trim down your options. If you can’t make up your mind, you can always move forward by comparing other key features such as screen size, processor, storage, camera, battery life and more.
At this point, it will all boil down to preference. While still keeping your budget in mind, you need to look for a handset that is in sync with what you intend to use the mobile phone for. If you were going to do a lot of browsing or playing games on your phone, for example, then you’d need a handset with a fast processor and longer battery life. If you’re going to take lots of photos with your phone then look for a handset with excellent camera features.
Read user reviews
Once you’ve picked the top three handsets that fit both your budget and your preference, you can read user reviews for each handset to help you finalize your decision. You can read user and expert reviews or seek recommendations from people you know so you’ll have a better idea of how good your handset choice really is. This is also a great way to know if there are any common issues with your handset choices. Remember that you’ll likely use your new handset for the next year or so. It’s best to make sure that you’ve picked the right model from the get go.
For those who are not enamored with the latest iPhone 6S from Apple, there’s always the Samsung Galaxy S6 Edge, which you can get with your phone contract deal. With 16MP camera, amazing resolution, premium metal and glass design, the latest offering from Samsung is definitely giving Apple a run for their money. Here are the best phone deals offering Samsung Galaxy S6 from across different UK networks:
1.Samsung Galaxy S6 Edge 32GB from EE
As one of the biggest network providers in the UK, EE is a good bet for your next phone contract. This particular deal features a Galaxy S6 Edge with 32GB storage at an affordable monthly fee of £32.49. The contract comes with a 24-month term featuring fast 4G service, unlimited minutes, unlimited texts and a generous 5GB data. For an additional payment of £2.5 per month, you can avail the unlimited broadband feature added to your package.
2. Samsung Galaxy S6 Edge 64GB from EE
Just in case you want a larger storage for your Samsung Galaxy S6 Edge, EE offers the phone with 64Gb storage at £34.00 per month. The 24-month 4G contract includes unlimited minutes and unlimited texts as well as 4GB data. As you can see you’d have to compromise 1GB of data in exchange for a larger storage memory for your phone.
3. Samsung Galaxy S6 Edge 32GB from iD Mobile
If you’re not really a heavy mobile user and you don’t need unlimited tariff, this offer from 1D Mobile is worth considering. The plan offers a free phone at £31.50 per month. Contract term is 24 moths featuring 4G connectivity and a phone tariff that includes 600 minutes, 5000 texts and 2GB data. If you want a shorter term, you can opt or iD Mobiles 12-month 4G contract, which also offers free roaming tariffs and no bill shock.
4. Samsung Galaxy S6 32GB from O2
Another attractive phone contract deal that offers a Samsung Galaxy S6 is this offer from O2, one of UK’s world-class network providers. The deal boasts a very generous phone tariff inclusive of unlimited minutes, unlimited texts and 5GB data at £34 per month. Like other deals, the contract lasts for 24 months with no upfront fee and free delivery. As an O2 subscriber, you also get to enjoy priority moments like getting lunch for £1 from Boots every Monday.
5. Samsung Galaxy S6 32GB from Vodafone
Though you’ll have to pay an upfront fee of £29.99, the fixed monthly fee for this Vodafone offer is cheaper than the aforementioned phone contract deals. You’ll only pay £25 per month for 24 months and you get to enjoy fast 4G connectivity with 1000 minutes, unlimited texts and 1GB data. The data allocation, however, is not as generous and only ideal if you’re a light data user. In addition, you also get to enjoy free Netflix, Now TV, Spotify or Sky Sports if you avail the carrier’s Red Value 4G plans.
6.Samsung Galaxy S6 Edge 64GB from 3
This last phone contract deal is the most expensive from the list but it also offers the most generous tariff with unlimited minutes, unlimited texts and unlimited data. The phone comes for free at £50 per month over a 24-month contract. The phone also boasts larger storage at 64GB plus there’s the added feature that allows you to use your services abroad at no extra cost. This particular deal is ideal for heavy users who frequently travel overseas. Even at £50, the phone tariff should be worth it given that it’s perfect for your needs.
When it comes to the best smartphones of 2015, there’s no denying the fact that Apple continues to lead the race especially with its iPhone 6s release. Not only is it better than its predecessor but also the phone has bested other great phone offers from other leading brands. I wouldn’t be surprised if you’d want the phone for your new phone contract deal. And fortunately for you, we’ve rounded up the best UK phone contract deals that offer an iPhone 6s as the free handset.
Apple iPhone 6S 16GB Rose Gold from iD
For only £27.50 per month for 24 months, this iPhone 6S 4G contract is definitely worth considering. You’ll just need to prepare £24.99 for the upfront fee to enjoy 600 minutes of calls, 5000 text messages and 1GB data per month. Though the day may not be as generous as other deals, the relatively lower monthly fee makes it an ideal option for mobile users who want an iPhone 6S at an affordable cost.
Apple iPhone 6s 16GB Rose Gold from EE
If you don’t want to pay for an upfront fee and you want a phone contract with a generous bundle plan, look no further than EE’s iPhone 6S offer. For £44.99 per month for a 24-month term, this 4G contract promises a free iPhone 6S along with unlimited minutes of calls, unlimited texts and a whopping 10GB data.
Apple iPhone 6s 16GB Rose Gold from Vodafone
Slightly cheaper than EE’s offer is Vodafone’s Apple iPhone 6S Rose Gold color with 16GB memory storage. The contract phone is £44.00 per month for 24 months featuring 4G connectivity, unlimited texts and calls as well as 10GB data. The phone also comes with alluring incentives such as free Netflix, Now TV, Spotify or Sky Sports. Said incentives are available if you sign up for the Red Value 4G plan from Vodafone.
Apple iPhone 6s 64GB Rose Gold from GiffGaff
Who wouldn’t want unlimited data per month? If you are particularly a heavy data user, this offer from GiffGaff is for you. It’s relatively more expensive than the aforementioned offers but the 24-month 4G phone contract includes unlimited calls, unlimited texts and unlimited data at £46.29 per month. The plan requires a £45 upfront fee and it’s delivered unlocked the next day.
Apple iPhone 6s 16GB Rose Gold from 3
If you’re the type who travels abroad frequently, checking out this offer from 3 is a smart move. Like other offers, the contract phone comes with a 24-month 4G terms. The phone comes for free at a monthly of £38. There’s no upfront fee need. Once approved for the plan, you can enjoy unlimited minutes, unlimited texts and 1GB data per month. But the selling factor for some subscribers would have to be the feature that allows you to use the services abroad at no extra cost.
Apple iPhone 6s 64GB Gold from EE
If you want a larger storage memory for your iPhone, EE has another attractive offer you’d want to check out. Like most iPhone 6S deals, this particular contract plan comes with a free phone and a generous phone tariff. The phone is available in gold color with 64GB of storage. It is available in a 24-month 4G contract term at £44.99 per month. Included in the phone tariff are unlimited minutes, unlimited texts and 10Gb data. If you want an extra home broadband feature, just add £2.50 per month to enjoy unlimited broadband for 12 months.