Jan 10, 2026
Shopping for mobile broadband is hard, but finding great mobile broadband with no credit check can seem impossible.
Luckily, there is at least one company offering reliable mobile broadband without a credit history in the UK.
Why is it so hard to buy 4G or 5G broadband if you’re new to the UK or don’t have a strong credit history? We took a look at the biggest reasons - as well as your options for getting online fast - no credit check required.
Why do most mobile broadband providers require a credit check?
In short, it’s because most mobile broadband companies are primarily phone companies.
As 4G and 5G broadband technology developed, the first companies to offer mobile broadband to customers were existing major mobile networks. These companies applied their existing policies for monthly mobile plans to their new broadband packages, using a one-size-fits-all approach.
As Vodafone put it in their terms and conditions ‘We'll run a credit check if you… apply for a new Pay monthly device or plan - including broadband plans. In some ways, this makes sense. As with a phone plan, mobile broadband contracts provide customers with a service on credit that they are then trusted to pay for later. Phone plans also often provide customers with a handset upfront, whereas the best mobile broadband plans include a high-end 5G router that can be worth as much as a mobile phone.
However, the demand for credit checks for mobile broadband has specific drawbacks. Internet access is a necessity of modern life, and mobile broadband is relied on by millions living in areas with poor traditional broadband infrastructure.
There are many pay-as-you-go phone plans available to customers without a UK credit history. However, pay-as-you-go mobile broadband plans are costly and usually impose strict data caps that make them impractical for anything but basic use.
What does a mobile broadband credit check look for?
Mobile broadband checks are run by the mobile broadband supplier, rather than an independent credit agency. These suppliers use their own criteria to determine if a customer passes.
To use Vodafone as an example again, its check requires a UK bank account and UK address history, as well as a track record of paying bills on time and an affordability check. This means that those who are new to the UK may find themselves failing the check even if they have excellent credit. The check will also appear on your ‘search footprint’ and be visible to potential future lenders.
Reliable mobile broadband - no credit check required
Connectivity was founded on the need for exceptional mobile broadband for everyone in the UK - even if you’ve just moved here. Mobile broadband is a perfect internet option for those relocating, and it seemed ridiculous that so many people were being denied plans for no reason other than where they used to live.
That’s why all of our plans require no credit checks or UK banking history. Instead, we offer transparent pricing with low upfront costs and a guarantee of no mid-contract price rises. It’s just one of the ways we’re working to get everyone connected - fast.
