Lending out items that are not fully yours and where significant expenses can be incurred that the owner will have to pay for is very problematic. What if those phones were going to be used for international calls? Having a friend make a local call in front of you may be less of a problem. Ask the owners of the phone account first. I do not have smicha in Choshen Mishpat (nor in Yoreh Deah for that matter).
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