Build your credit
with every
phone bill.
Affordable wireless that builds your credit. Every bill you pay gets reported to the major credit bureaus — automatically.
Your Credit Score
How it works
Choose a Polar plan.
- No credit check to join
- Fixed monthly payment
- 0% interest installment structure
Pay your bill each month.
- Same payment each month
- No extra fee
- Consistency matters
On-time payments are reported to credit bureaus.
- Adds payment history
- Builds credit over time
- Late payments may be reported
Simple plans. Real progress.
Powered by T-Mobile's 5G network. No Contracts. Cancel anytime.
- No credit check
- Unlimited talk and text
- 1 GB of data
- Build credit with every payment
- Reports to Equifax
- No credit check
- Unlimited data, talk, and text*
- 15 GB of premium data
- Unlimited hotspot
- Reports to Equifax
- No credit check
- Unlimited data, talk, and text*
- 30 GB of premium data
- Unlimited hotspot
- Reports to Equifax
*After using your plan's high-speed data, you'll stay connected at reduced speeds—up to 512 kbps for CREDIT UNLIMITED PLUS, supporting video/audio streaming, browsing, navigation, and email; and up to 256 kbps for CREDIT UNLIMITED, supporting audio streaming, browsing, navigation, and email.
"I only added the $10 line as a backup eSIM—my score jumped 49 points in three months."
—Talia M.
“Was stuck under 600 for years. Got to 650+ in 4 months on the unlimited plus plan. Just got approved for a car loan (didn’t know a phone plan could do that).”
—Matt G.
"Saved on my plan and saw my score climb from 567 to 609 in 10 weeks. Easiest credit win ever."
—Darius R.
FREQUENTLY ASKED QUESTIONS
Have questions? We've got answers.
Polar Mobile gives you reliable wireless service and helps you build credit—at no extra cost. When you make on-time monthly payments, we report that positive payment history to the credit bureaus, helping you strengthen your credit over time.
Polar Mobile is for anyone who wants affordable, reliable wireless and a simple way to build credit at the same time—especially people with thin or subprime credit who want to turn on-time phone payments into positive credit history.
Porting in your phone number is a hassle-free process. If you would like to keep your current phone number, you will have the option to port in your number after signing up. To do so, you will need your account number and PIN information from your previous carrier. You may also follow these steps here.
It can—but it isn’t guaranteed. If you make on-time monthly payments, those positive payments can help build your credit history over time. Your score depends on your full credit profile (like payment history, utilization, length of credit, and any negative items), so results vary by person.
When you pay your Polar Mobile bill on time each month, we report your positive on-time payment history to the credit bureaus. Reporting happens on a monthly cycle after your payment posts, and it may take a few weeks to show up on your credit report.