Bad Credit Mobile Phones – What are they?


As part of our duty to inform you about everything to do with mobile phones and smartphones in particularly, we have been approached by a number of our regular users to look into a relatively new phenomenon, bad credit mobile phones.

Now, if we are honest – and you all know that we are – we knew very little about these phone contracts to begin with. And that’s exactly what they are, a form of phone contract available from providers throughout the United Kingdom.

And so we put on our Sherlock Holmes hat and did some investigation into these phone contracts to see exactly what they are about. This is what we found out.

Bad credit means no opportunity for a regular phone contract

So let’s start at the beginning, as some of you may be in this boat already. Let’s be honest, financially, over the past five years, times have been tough on the population of the United Kingdom.

Many people are struggling day by day to get by, to feed their families and to pay their bills, loans and other forms of credit. And that has led to many of them defaulting on these credit payments. This eventually meant a start to a pattern of bad credit which in turn scuppers any hope of securing further credit in the form of a loan or even something like a mobile phone contract in the future.

So where do people like that turn if they want a mobile phone on a contract basis? Let’s be honest here, everybody should have access to a phone of some kind. These modern marvels really help everyone that uses them each and every day in some way.

That’s where bad credit mobile phone contracts come in

So as with many things in life, companies saw the business opportunity in giving people with bad credit ratings the chance to own a phone on a contract basis. And that is where bad credit mobile phones started.

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But how do they work exactly?

Anyone can apply for such a contract, but obviously, they are aimed at a specific group of people – those with bad credit ratings. To apply, the company will need a number of documents including proof of identity (in the form of an ID document, passport or even a driver’s licence), some form of letter from their employer (to show they have a job as well as their monthly income amount), and proof of address (either a bill that comes to the address, a letter from their landlord should they be renting or a bank statement showing their mortgage, should they own their house).

Once all the documents have been verified, the bad credit mobile phone provider will then narrow down a group of contracts that suit the person. This is mostly based on how much money they can pay back each month without putting themselves under further financial pressure.

Once they have identified a contract as well as a handset they prefer, the contract, which runs for 24 months is completed and the handset either handed over then and there (if in stock) or delivered the next day.

These contracts are slightly more expensive than a regular mobile phone contract that you would ordinarily have access too, but of course, someone suffering from a bad credit rating does not.

What phones are available?

Interestingly, there are a range of phones available on a bad credit mobile phone contract. These include many of the new budget smartphones entering the market (which are incredible and can do much that an Apple or Samsung handset can), higher ranged smartphones (such as the iPhone 6s and the Galaxy S7) as well as refurbished phones which offer a cheaper contract option.

So are these phones just for those with bad credit ratings?

Well, not actually although obviously, this is the intended target market. These contracts can also be used by people trying to build up a positive credit history. Often, individuals just entering the job market are turned away from forms of credit because they do not have any credit history whatsoever. By taking out one of these contracts and paying it off over its 24-month duration, they can put a positive check mark next to their credit history and begin to build in a manner that will allow them to then apply for credit from banks or other financial institutions for example.

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Is it worth it taking out such a contract if I have a bad credit rating?

At IAPS Phones, we believe that everyone should have access to a smartphone, so in regards to this question, our answer is most certainly a resounding YES!

Yes, the contracts are more expensive, but again, this is to protect the provider should someone default, not pay their monthly contract fees and run off with the handset, so for us, this is totally understandable.

More info on this form of mobile phone contract is available as well as on the subject of bad credit mobile phones.



IOS or Android – Which is better?

Now this is probably a question that we get asked at least once every week. IOS or Android – which is the better option?

Now at IAPS Phones, we have varying views on the subject. Some prefer Android and some prefer IOS. So we asked each of our staff members to draw up reasons why they liked each operating system and this is what we came up with.



Let’s start with the operating software found on all Apple devices. Our resident IOS boffins love it for a number of reasons including the fact that it is easy to use, easy to setup, gets regular updates and more. Their main reasons for loving IOS were the following:

  • IOS works properly all the time

IOS hardly ever breaks down, needs a phone reboot or a trip to a phone doctor to fix a software issue. Massive updates to the operating system also regularly appear and if a bug or problem is found, it is fixed before many users even succumb to it.

One of the major benefits of IOS is that apps on your Apple product cannot access it. So if an app should fail, it cannot take the operating system down with it which means your phone will continue to run properly. You may need to restart the app, however.

  • The range of apps available

The iStore has apps for just about anything and many developers actually focus on making an iPhone app first, before releasing the equivalent Android version, a fact that Apple lovers will be sure to remind everyone about.

  • Apple IOS is secure

Apple claims to have the most secure operating system in the world. They do this for a number of reasons. Firstly, all apps submitted to the app store are check and rechecked to ensure they cannot harm the device of someone who downloads them. Secondly, as mentioned before, apps designed for IOS cannot interact with the operating system, so even if they were malicious, they could not cause any damage in this way.


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No doubt, Android is an extremely popular operating system found on a range of devices made by all the smartphone manufacturers, but not Apple of course. Our Android fans in the office had many reasons why they loved the operating systems as much as they did. We narrowed it down to this:

  • Unlimited customization

One of the major advantages that Android has over IOS is the fact that it can be customized in just about any way possible. This allows users to make their phone totally unique to the next person’s Android device. Although some aspects require an amount of technical knowledge, most users just want to be able to change their fonts, icons and other small things such as those.

  • Android always introduce interesting features first

Android lead the way with features such as eye tracking as well as facial recognition for security purposes. Although IOS does integrate new technology, you can bet that Android is the first to try anything new.

  • Android is available on a range of handsets

Even IOS fans will admit, Apple devices are expensive and cannot be afforded by a large portion of the population of the United Kingdom. Android, however, is very different. This operating system is found on many phones such as the Samsung flagship, the Galaxy S7, to entry level phones priced cheaply.

So which operating system should you choose?

Well, we are going to chicken out a bit here. It’s too close to call for us really and ultimately, it probably will boil down to your personal preference at the end of the day. That said, both are excellent operating systems that offer much to a smartphone user.


The best smartphones of 2016

2016 has been a great year for the mobile phone with a number of new models released to compete with the industry leaders from Apple and Samsung. Trying to narrow down a small list of the best phones on the market is difficult, but at IAPS Phones, we are all about helping you, the consumer find the right phone to not only fit your needs, but perhaps more importantly, your pocket.

So we have compiled a small list, which if we are honest, will probably change by the end of the year as there are still plenty of releases set to come.

Sony Xperia Z5 Compact

Sony continues to release some excellent phones and the Xperia Z5 Compact is certainly no different. The name says it all in fact, as this phone has an compact, elegant design. Running Android Marshmallow, the 127 x 65 x 8.9 mm Xperia Z5 Compact features a 4.6-inch screen offering 720 x 1280 resolution and weighs in at around 138g.

It runs on a Snapdragon 810 CPU, has 2GB of onboard RAM and 32GB of storage while a 2700mAH battery should keep you running for most of the day. Finally, it boasts a 23-megapixel rear camera and a 5.1-megapixel front camera


  • Very compact
  • Incredible camera


  • It only has a 720-pixel screen
  • Cannot be charged wirelessly.

Nexus 6P

Boasting a very simple and user-friendly interface, the Nexus 6P has become very popular throughout the year. It really has a very decent display which you will notice straight away. The Nexus P runs Android Marshmallow and comes in at 159.3 x 77.8 x 7.3 mm which although not as compact as the Xperia Z5 is still easy to handle. It features a 5.7-inch screen which offers 2560 x 1440 resolution and weighs in at 178g.

The Nexus P uses a Snapdragon 810 CPU and features a hefty 3GB of RAM while storage includes 16/32/64GB options, more than enough for your games, movies, and music. Finally, it has a 12.3-megapixel rear camera and an 8-megapixel front camera.


  • Some incredible specs for its price point
  • Speakers that face the front


  • Cannot be charged wirelessly.

Apple iPhone 6s

Without a doubt, Apple make incredible smartphones and the iPhone 6s is certainly no different! Running IOS 9.3, this iPhone comes in at around 138.3 x 67.1 x 7.1 mm and weighs a bulky 143g. It features a 4.7-inch screen that offers 1334 x 750 resolution, an Apple A9 processor, 2GB of RAM and has a range of storage options including 16/64/128GB. The battery is 1715mAH (it could do with a more powerful one) while the two cameras are a 12-megapixel rear facing and a 5-megapixel front-facing camera. Although still essentially the same look as the iPhone 6 from 2014, there are a number of important upgrades under the hood.


  • Incredible new 3D touch system
  • Apple functionality


  • Poor battery
  • Low-res screen
  • Pricey


LG are certainly back! The G5 is a unique idea with the ability to attach various accessories to the phone, depending how you want to boost it. These modules include audio boost as well as a module to improve the battery life of the handset, which at 2800mAH isn’t too bad to begin with and certainly better than the iPhone 6s.

The LG runs on Android Marshmallow, weighs a hefty 159g and has dimensions of 149.4 x 73.9 x 7.7 mm. Its resolution is excellent at 2560 x 1440 and it boasts 4GB of RAM (double that of the iPhone 6s) and 32GB of storage space. The camera is one of the plus points on the G5. Not only does it feature a 16-megapixel rear camera and also a 8-megapixel front camera. The rear facing camera can be set to take pictures from a wider angle.


  • Wide angle camera
  • Lots of storage space and RAM
  • Ability to add modules


  • Not the greatest design

No doubt, you may have a phone from 2016 that you prefer more than these listed about. But in our office, this are the four phones that each of us agrees are well worth looking at.