You can get monthly phone service without a credit check, but monthly phone payments are harder. Carrier device financing usually requires a credit review, because the carrier is lending you the cost of the phone. The simplest path is to separate the phone from the plan. Buy an unlocked phone outright, choose a certified refurbished model, or pick a budget phone under $300. Lease-to-own programs exist, but they often cost more in total and some still review credit, as our no credit check phone plan guide explains. Holiday sales can help, so check our Black Friday phone deals. Then bring your own device to the Vouch Premium plan, which is $30 a month, plus fees and taxes, with no credit check.