Credit and pre-sales checks for Sky Mobile

Each time you buy a SIM, phone, tablet or pay monthly accessory from us (even if you've bought from us before), we'll carry out pre-sales checks.

When we run the checks, we use the most up-to-date information so results can vary depending on your current circumstances.

Buying a pay monthly device or mobile accessory

A credit agreement is a type of loan that lets you spread out the total cost of a new device or accessory over several months.

We'll lend you the money for a device or accessory bought with Sky. You can then repay the loan in monthly instalments.

This is authorised and regulated by the Financial Conduct Authority.

Credit, affordability, fraud and identity checks

As part of your Sky Mobile order, we use information from a combination of sources to help run credit, affordability, fraud and identity checks.

We have an obligation as a responsible lender to make sure we offer credit agreements appropriately and these checks help us do that. We'll always ask for your permission before we carry out these checks. Without it we won’t be able to continue.

If you're applying for a pay monthly device or accessory, your order might be referred for further checks. If this happens, we'll let you know straight away. While we're running the checks, please be aware that prices and offers are subject to change.

Credit search

When you apply for a device/accessory with a credit agreement, we'll run a credit check for your order (also known as a hard search). Once we've run it, you'll be able to see that we've left a mark on your credit file. We’ll only run one credit check per order.

Other lenders might also see that a Telecommunications company has performed a credit search. They might take this into account when making their own decisions about offering credit.

Affordability checks

As part of the checks, we’ll ask you to confirm that you can afford the monthly loan repayments for the full length of your credit agreement. If you can’t, we’ll cancel your order. If you want, you can choose a different phone, tablet, accessory or plan to suit your budget, or else your order will stay cancelled. Any upfront payments you made when you ordered will be refunded to your original payment method within 14 days.

Not eligible for a credit agreement?

You could be declined a credit agreement for a number of different reasons.

While you can talk to us about this, we won't be able to give you the exact reason why your application for a credit agreement was declined. If you’re concerned, speaking with a credit reference agency might help. Equifax and Experian are our chosen credit reference agencies.

Sky credit builder might help. It lets you take a SIM only plan to build up a payment history with us over six months, and this is taken into consideration if you re-apply to buy a phone or mobile accessory on a credit agreement with Sky. It's not currently available for tablets.

Your credit file / credit report

For more information about your credit report, see the Your credit file article.