Sky credit builder

Not eligible to buy a pay monthly Sky Mobile phone? Sky credit builder might help.

How it works

It lets you take a SIM only plan to build up a payment history with us over six months. We'll then take this into consideration if you re-apply to buy a pay monthly phone with a credit agreement at a later date.

We can't guarantee you'll be accepted for a credit agreement, but it could help.

Sky credit builder is not currently available for tablets.

What to do

To build up your payment history with us, you need to:

  • buy a SIM only plan; and
  • pay your monthly payments, on time, in full for a minimum of six months in a row.

After the six months, you can re-apply to buy a phone with a credit agreement.

We’ll carry out our usual credit, affordability, fraud and identity checks but we’ll also take your credit builder payment history into consideration.

Sky credit builder is only available if you speak to us over the phone and take a SIM only plan. As of 4 June 2020, all phones are available on Sky credit builder.