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If you have your heart set on one of the best new phones around but don't have the money to pay the full amount up front, a pay-monthly contract could be just what you're looking for. Each month, in one hassle-free payment, you'll pay for the phone plus an allowance of minutes, texts, and data.

There's no minimum credit score to get a phone contract. Every network operator scores you differently—so even if one network won't give you a contract, you might have more luck elsewhere. Having bad credit doesn't stop you from getting a phone contract, but it might make it harder.

There's no standard minimum credit score needed for a cell phone contract. The guidelines for a good or bad credit score rating are typically: 600 and above is good; 700 and above is great. A number of factors can impact your credit score, either negatively or positively, and your score is always subject to change.

With a pay-monthly phone contract, you get a new handset along with a monthly allowance of minutes, texts and data. Compared to a pay-as-you-go deal, you'll get a generous amount of data, calls and texts. Plus, many networks like to throw in perks, free gifts and rewards with a phone contract.

Once you've decided on your provider and package, most mobile phone companies will only require the following to open a contract: Two proofs of address (utility bills, rental contracts etc.) which must show both your name and address. Proof of Identification. Active bank account in order to set up a direct debit.

You must be at least 18 years old You can either ask an adult to take out a pay monthly contract for you (the credit check and bills will need to be in their name), or check out our great range of pay as you go phone or broadband deals.

Having a contract phone means that you pay a single monthly fee for a fixed period of time. Most mobile phone contracts are set at 12, 24 or 36 months and provide mobile customers with a handset and a monthly allowance of calls, data and texts.

You just need to prove affordability to get a contract phone.

Once you've decided on your provider and package, most mobile phone companies will only require the following to open a contract: Two proofs of address (utility bills, rental contracts etc.) which must show both your name and address. Proof of Identification. Active bank account in order to set up a direct debit.