[Very Urgent] Prepaid plan on iphone - will apps, web, data work normally?

Hi, I am keen on getting a prepaid plan.
I am very frustrated with ATT and T-Mobile because they need me to unlock my iphone in order to use web and data access. If I don't, I can only use calls and text on the iphone. If I get an iphone 5, get it unlocked and place a prepaid SIM card into it, will all the apps work normally? Can I buy the ATT prepaid plan? If not, which carrier should I get?
Please reply soon as I need to get a new line within a day or two. Thank you so much!

Hi Meg, thank you so much! I saw on the Virgin Mobile website that they have a $35 unlimited monthly plan. They also have a cheaper $20 plan. They look quite interesting.
Is there anything I should watch out for with regards to Virgin Mobile?

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