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\n SIM-ONLY REWARD\n <\/div>\n <\/div>\n
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\n ![\"Mobile](\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/02\/simonly_600_450.png\")
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\n <\/div>\n \n Trying to find the cheapest way to talk, text, stream and browse on the go? There are 3 main types of mobile plan to choose from. The best one for you will depend on your personal circumstances.<\/p>
If you\u2019re in the market for a new phone, like the latest iPhone, then you may be interested in buying a phone on contract. These deals usually involve the customer paying an upfront fee, followed by a monthly fee. This fee covers the cost of the handset and your call, text and data plan.<\/p>
When you buy a phone this way, the mobile network is essentially lending you the money to pay for the handset, so part of each monthly fee is your repayment. This means that the network selling you the handset will carry out a check of your credit record, to find out how likely it is that you\u2019ll be able to make your payments.<\/p>
These types of contract will typically tie you in for either 12 or 24 months, so make sure you\u2019re prepared for this kind of long-term commitment.<\/p>
If you\u2019re happy with your current mobile handset but want to find the best deal on minutes, texts and data, then a SIM-only contract can be the best way to go. For a fixed monthly payment you\u2019ll receive a set amount of call minutes, texts and, perhaps most crucially, data allowance.<\/p>
These contracts are typically sold on the basis of a 12-, 18- or 24-month commitment. It\u2019s worth noting that you may be credit checked for a SIM-only contract.<\/p>
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