If you have a poor credit rating, chances are high that you’ll have a hard time getting approved for a personal loan. In most cases, you’ll have to find an alternative to traditional loans. Bad credit loans such as payday loans and logbook loans, in this case, offer an easy way out. The same thing is true when you’re applying for a phone contract deal. If you have bad credit, you’ll likely end up with several rejections for your phone contract.
Does that mean you should forget about getting a contract phone at all? Of course not. A recent article on bad credit has emphasized that you can still get a phone contract even with bad credit. All you need to do is apply for a bad credit phone. But what are bad credit phones? This guide should help you answer that question.
What are bad credit phones?
Bad credit phones are phone deals offered for people with issues on their credit score. It works just like a traditional pay-monthly contract deal where you can choose your handset and a bucket of calls, text and data allowance. You’ll be tied to a 24-month contract just like most phone contract deals. This means that you’ll have to pay a monthly fee to cover for your handset’s cost and your phone services.
Bad credit phones do not have a lot of differences from a typical phone contract. But one major difference is the disadvantage of higher costs. Because of your less than perfect credit rating, you’ll have to shoulder the consequence of a higher monthly fee than usual.
Who can apply for these phone deals?
Anyone with bad credit ratings can apply for bad credit mobile phones. Make sure you’re of legal age and you live in the UK to be eligible. The requirements are so minimal, bad credit phones are among the easiest phone deals to get approved for. You don’t have to worry about rejections or credit checks. You just need to complete the online application from a trusted and reliable provider and you’re ready to avail a handset and bundle plan combo even with bad credit.
For a speedier application approval, make sure you have your requirements ready including proof of identification, billing address and proof of income. If you can prove that you can afford the monthly payments, your lender will quickly approve your mobile phone application. Why should you apply for bad credit phones?
Though more expensive than traditional phone contracts offered for people with good credit, bad credit phones have a few advantages to convince you to apply.
Bad credit phones, for one, are super easy to avail. You don’t need to go through a tedious and complicated process to get approved. If you meet the requirements, you can get approved for a bad credit phone in a matter of hours. After which, your handset will be delivered to your address and you can have it activated right away. Another advantage is the no credit check policy. Since this type of deal is specific for the bad credit market, providers will no longer take into consideration your credit score. That means one step less to the approval process and fewer worries on your end.
But the biggest advantage you can really benefit from when you apply for a bad credit phone is the chance to boost your credit score. For as long as you pay your monthly dues on time, you can expect for credit agencies to see you as a responsible consumer. Keep at this habit for the rest of your contract term and you’ll be seeing great improvements on your credit score in the end.
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The latest iPhone 7 has been recently launched and released. Reactions are pretty mixed. There are many who are angry at the no audio jack feature. This means that you can’t listen to music while charging your phone and vice versa. There are also many who have already pre-ordered the iPhone. These people are excited about the new features including the well improved and enhanced camera features as well as the thinner and sleeker design. It’s also waterproof and available in more colors than previous models.
Like older iPhones, the iPhone 7 naturally comes with a steep price tag. Most people who’ll be getting an iPhone 7 won’t be paying for it in cash but will likely get a phone contract to get their hands on this marvel of a smartphone. Even with a phone contract, however, you may still need to pay an upfront fee. On top of that, you’ll be tied up to a 24 to a 36-month contract where you pay more money because you wanted the iPhone 7.
Like most people, you are likely tempted to avail an iPhone 7. With all its features and beautiful design, it’s really hard to resist. But then again, want is different from need. You want the iPhone but do you really need it? That’s the one question to ask yourself if you’re thinking of saddling yourself to a lengthy phone contract.
If you’re a budget-conscious mobile phone user who can only afford budget phones at the moment then the answer is pretty clear. While iPhones may be a winner when it comes to features, performance and design, you don’t have to spend a ton of money for a smartphone. If you have bad credit then you especially have to back off from such phone deals. If you have good credit and the monthly fee for an iPhone 7 is pretty expensive for your budget then you should forego the application for now. If you don’t want to risk your budget and your credit score, you’d better stick with mobile phones on a budget in the meantime.
Until you can comfortably afford to pay the monthly fee for an iPhone 7 then that’s the only time to get one.
Better camera, wireless charging, amazing display and faster performance are all good. We all want them on our mobile phones. Too bad these high-end specs also mean a hefty price tag. When your budget is tight, the only reasonable option is to stick with a budget smartphone until you can afford an iPhone or a Samsung Galaxy. In the meantime, here’s your smart guide to buying the best budget phone.
When you say budget phones, you’ll immediately think mediocre specs. That’s how it was a long time ago but things, fortunately, have changed. Nowadays, if you have £200, you can already buy a decent phone with a set of great features. In fact, there are now more budget phones in the market it’s getting harder to pick the best one. To help you along, here are some key considerations when shopping around:
If you want a budget phone that performs, the first thing you should look at is the processor. Nowadays, there are some budget phones with a processor that you can also find in a high-end handset. You’ll usually want your budget phone to have the latest processor. At the same time, you’ll also want to read user reviews to test whether the processor as is responsive on your phone as advertised.
With so many smartphones available in the market, one effective way to narrow down your options is to pick your screen size. Mobile phones come in different sizes. There are compact phones with screens below 4.5-inch, a typical smartphone with screens between 4.5 to 5.5-inch and phablets with screens above 5.5-inch. Other than the screen size, you’ll also want to look at the resolution. Typically, the higher the resolution of your phone screen, the better it will be. If you opt for a bigger screen phone, then you’ll want an even higher resolution. For example, 5.5-inch screens should have a resolution of 1280×720 minimum.
If you’re going to use your phone all day long, you’ll want longer battery life. Fortunately, most budget phones have the same capacity batteries as most high-end phones. In this case, all you really need to do is look for a phone with a battery capacity that can match your day-to-day phone usage. Opting for mobile phones with battery saver modes also makes sense. With this function, you can put your phone in a mode where it uses minimum power leaving more battery life for when you need your phone most.
Because you’re buying a budget phone, don’t expect the camera to be as stellar as what you’ll find in the latest high-end smartphones. But that doesn’t mean you should settle for a low-quality camera. If you do your research, you’ll see that there are budget phones with great cameras. Some even have 13MP or more cameras. It’s a matter of looking around and finding a phone that prioritized the camera features without compromising most of the other specs.
Hardware is only one factor of your budget phone. You’ll also have to consider the software side starting with your phone’s operating system. Most budget phones run on Android or Windows Phone. The former offer more choices while the latter has fewer choices. Other features to consider include waterproof design, audio and more. When considering other features, it will boil down to your preference. There is no budget phone that has it all. It’s a cheap phone after all. But you can almost have it all at a good price if you know what you want and you know where to shop.
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If you’re like most people, you probably can’t buy a high-end handset like the newly released iPhone 7 upfront. It’s a great phone packed with awesome features but it also comes with a hefty price tag. Most of the time, it’s not a practical buy at all. Even if you avail the latest iPhone through a phone contract deal, you’ll still end up with a high monthly fee you’ll have to pay for a long time.
For budget-conscious mobile users who are looking for a mobile phone deal on a budget, one of the most effective things you can do is to stick with a budget phone to go with your phone contract deal. Here are 5 of the best value mobile phones you can look at:
LG X Screen
Boasting a solid build and an always-on second screen, the latest budget phone from LG is hard to resist. No other phone priced under £200 as of yet is able to offer such a combo. The LG X Screen has a decent set of specs including 3GB RAM, 32GB storage, and a 20MP rear camera. The front camera isn’t as impressive but it has a lot to offer for its cheap price.
Microsoft Lumia 650
It’s not just LG that has a great budget phone to offer. If you’re a Windows Phone user, the new Microsoft Lumia 650 features a few impressive upgrades that promise better performance all in all. While it’s not as high performance as the Lumia 950, the Lumia 650 offers high-end specs including a 720 display, a storage of 16GB and a fairly fast processor. Overall, the budget phone has a great screen, decent camera, and large 5.5-inch screen.
Another budget phone priced under £200 is the OnePlus X. From its attractive, sleek design with its bright display, this 5-inch phone is one of the best value phones available in the market today. With the OnePlus X, you won’t just get impressive specs but also a great design that won’t look cheap at all. Inside the phone, it boasts great specs including a Snapdragon 801 processor, 3GB Ram, and 1080 x 1920 resolution.
Cheap and feature-packed, the OnePlus X is definitely a good buy. Unfortunately, the phone is hard to come by these days. If you stumble upon a phone contract deal that offers this phone, you better grab the opportunity fast.
Sony Xperia M4 Aqua
Are you looking for a waterproof camera that won’t cost you a fortune? You’ve found a great treasure in the Sony Xperia M4 Aqua. Waterproof with a long, reliable battery life, the Xperia M4 Aqua is the kind of phone you can take in the shower or the pool. Other key specs include a 720 display, Snapdragon 615 processor, and 2GB Ram. On the downside, expect some poor performance in a few areas. You’ll also get a stingy 8GB of storage. Regardless, it remains a great budget phone priced under £200.
Motorola Moto G4
If you’re a fan of Motorola and you’re looking for a budget phone to choose for your phone contract deal, you’re in luck. One of the best if not the best budget phones available in the market today is the Motorola Moto G4. From its bright display to powerful performances and great specs, this 5.5-inch phone is a marvel that offers a lot for its cheap price under £200. The Moto G4 has a Snapdragon 617 for a processor with options of 16GB and 32GB for storage. The only disadvantages is the lack of NFC and no customization options either.
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