The SIM that builds your credit score

Build credit, just by paying your phone bill.

No credit checks. No hidden fees.

Trusted by all 3 credit bureaus

The SIM that builds your credit score

Build credit, just by paying your phone bill.

No credit checks. No hidden fees. No interest.

Trusted by all 3 credit bureaus

The SIM that builds your credit score

Build credit, just by paying your phone bill.

No credit checks. No hidden fees. No interest.

Trusted by all 3 credit bureaus

Build credit, just by paying your phone bill

Build credit,

just by paying your phone bill

Build credit,

just by paying your

phone bill

Every Polar plan gets reported to all 3 bureaus, so every on-time payment helps boost your score.

Build credit history, grow account age, and improve your credit mix—without changing a thing.

Every Polar plan gets reported to all 3 bureaus, so every on-time payment helps boost your score.

Build credit history, grow account age, and improve your credit mix—without changing a thing.

Every Polar plan gets reported to all 3 bureaus, so every on-time payment helps boost your score.

Build credit history, grow account age, and improve your credit mix—without changing a thing.

Build my credit
Build my credit

Our plans, powered by
T-Mobile's 5G Network

No contracts. No hidden fees. Cancel anytime.

Every plan helps you build credit, automatically.

Credit Builder

$10/month
No credit check
Unlimited talk and text
1 GB of data
Reports to Experian, TransUnion and Equifax
MOST POPULAR

Unlimited

$35/month
No credit check
Unlimited data, talk and text
15 GB of premium data
Unlimited Hotspot
Reports to Experian, TransUnion and Equifax
Rent reporting

Unlimited+

$55/month
No credit check
Unlimited data, talk and text
30 GB of premium data
Unlimited Hotspot
Reports to Experian, TransUnion and Equifax
Rent reporting
Polar RentBoost

Start building credit in minutes

Start building credit in minutes

1. Grab your SIM

Pick instant eSIM or free physical SIM—setup takes 30 seconds.

2. Activate in minutes

Follow the on‑screen prompts; your line goes live and we start reporting today.

3. Pay, build, repeat.

Each on‑time payment hits Experian, Equifax & TransUnion. Watch your score climb.

I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.

Talia M.

Stuck at 603 forever. Got to 660+ in 3 months. Finally 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.

I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.

Talia M.

Stuck at 603 forever. Got to 660+ in 3 months. Finally 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.

I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.

Talia M.

Stuck at 603 forever. Got to 660+ in 3 months. Finally 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.

I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.

Talia M.

Stuck at 603 forever. Got to 660+ in 3 months. Finally 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.

I only added the $10 line as a backup eSIM—my score jumped 49 points in three months.

Talia M.

Stuck at 603 forever. Got to 660+ in 3 months. Finally 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.

FAQs

FAQs

Find answers to common questions about our credit-building phone plans.

How does Polar help improve my credit score?

We report your monthly payments as an installment tradeline—just like a loan—which helps build credit history across all major FICO models, including older ones. This is much more impactful than a typical utility or rent report.

How does Polar help improve my credit score?

We report your monthly payments as an installment tradeline—just like a loan—which helps build credit history across all major FICO models, including older ones. This is much more impactful than a typical utility or rent report.

Will paying my phone bill really boost my credit?

Normally, your phone bill doesn’t help your credit—but Polar is different. Because we report your payments as an actual installment account, many customers see their scores go up in just a few months.

Will paying my phone bill really boost my credit?

Normally, your phone bill doesn’t help your credit—but Polar is different. Because we report your payments as an actual installment account, many customers see their scores go up in just a few months.

Can I cancel or change my plan anytime?

Yes! You’re never locked in. Switch plans or cancel whenever you want—no contracts, no hidden fees.

Can I cancel or change my plan anytime?

Yes! You’re never locked in. Switch plans or cancel whenever you want—no contracts, no hidden fees.

Can I bring my current number to Polar?

Absolutely. You can keep your current phone number, and we’ll guide you through the simple transfer process during signup.

Can I bring my current number to Polar?

Absolutely. You can keep your current phone number, and we’ll guide you through the simple transfer process during signup.

How fast will I see a credit score increase?

While results vary, most customers see positive changes within 1–3 months. Credit improvement isn’t guaranteed, but consistent on-time payments give you the best shot at real results.

How fast will I see a credit score increase?

While results vary, most customers see positive changes within 1–3 months. Credit improvement isn’t guaranteed, but consistent on-time payments give you the best shot at real results.

How do I get the most credit-building benefit from Polar?

Pay on time every month and stay active for at least a few months. Higher-tier plans report a larger tradeline amount, which may have a bigger impact on your score.

How do I get the most credit-building benefit from Polar?

Pay on time every month and stay active for at least a few months. Higher-tier plans report a larger tradeline amount, which may have a bigger impact on your score.

Does Polar check my credit to sign up?

No credit check or hard inquiry required—signing up won’t affect your score.

Does Polar check my credit to sign up?

No credit check or hard inquiry required—signing up won’t affect your score.

Which credit bureaus does Polar report to?

We report to all three major bureaus—Equifax, TransUnion, and Experian—so your credit-building progress is fully tracked.

Which credit bureaus does Polar report to?

We report to all three major bureaus—Equifax, TransUnion, and Experian—so your credit-building progress is fully tracked.

Is there a fee for credit reporting?

Nope. Credit reporting is included with every plan—no add-ons, no surprises.

Is there a fee for credit reporting?

Nope. Credit reporting is included with every plan—no add-ons, no surprises.

Start Building Your Credit Today

Start Building Your Credit Today

Join Polar Mobile and take the first step towards a better credit score with us.

Join Polar Mobile and take the first step towards a better credit score with us.

Build my credit

Contact:

hello@polarcredit.com

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