Best Home Security Systems with No Credit Check

Looking for the best home security system that doesn’t require a credit check? We share our top 5 provider picks, plus some features you’ll need to look for when finding the right system for your home.

Best for Easy Installation

SimpliSafe Security

Starting at $14.99

8.4 out of 10

Best features

  • Inexpensive professional monitoring
  • Wireless equipment
  • Cellular monitoring

Best for Instant Text Alerts

Cove Security

Starting at $14.99

7.4 out of 10

Best features

  • Custom packages with low-pressure sales
  • Easy cancellation
  • 60-day money-back guarantee

Best for Video Doorbells

Ring Home Security

Starting at $10

8.4 out of 10

Best features

  • No contract
  • Inexpensive equipment and professional monitoring
  • Home automation integration

Best Home Security Systems with No Credit Check

Home Security Systems with No Credit Check

Home Security Systems with No Credit Check

It’s no secret that some home security providers require a credit a check before allowing you to purchase their equipment and use their services. However, there are several providers who are exceptions to this practice, making it easier for those who might not have the best credit to still get the security they need for their homes. Keep reading to find out our top provider picks and the features you’ll want to look for.

Top 5 Home Security Providers with No Credit Check

Top 5 Home Security Providers with No Credit Check

Compare Home Security Systems with No Credit Check

Compare Home Security Systems with No Credit Check

SimpliSafe Security

Learn more about

Cove Security

Learn more about

Ring Home Security

Learn more about

Abode Security

Learn more about
Pro monitoring starts at $14.99/mo. $14.99/mo. $10/mo. $8.33/mo. $19.99/mo.
Installation type DIY or Professional DIY DIY DIY DIY
Contract No contract required No contract required No contract required No contract required No contract required
Trial Period 60 days 60 days 30 days 30 days 60 days
BBB rating A+ A NR C NR
The Best Home Security Systems with No Credit Check

The Best Home Security Systems with No Credit Check

  1. Best for Easy Installation

    SimpliSafe Security

    Our rating 8.4

    Starting at $14.99/mo

    Our take on SimpliSafe Home Security

    SimpliSafe could be considered a disrupter in the home security industry, because it was among the first to provide forward-thinking customer benefits like self-installation, self-monitoring, video verification and month-to-month pricing. Its generous 60-day risk-free trial helps ensure long-term customer satisfaction.

    Pros

    • Inexpensive professional monitoring
    • Wireless equipment
    • Cellular monitoring

    Cons

    • Mobile alerts not available in the basic monitoring plan
    • No selection of smart home devices
    • Smart home capabilities not available in basic monitoring plan

    SimpliSafe is our top pick and does not require a credit check if you purchase your equipment upfront. If you choose to finance your SimpliSafe system, you will be subject to a credit check for PayPal Credit financing.

  2. Best for Instant Text Alerts

    Cove Security

    Our rating 7.4

    Starting at $14.99/mo

    Our take on Cove Security

    You’ll find the basics you need for intrusion detection with Cove Security. Cove stands out with locked monitoring rates, a lifetime warranty, and a $5 credit each month that can be used towards any future equipment purchases. While Cove does not offer any preset home security packages, you can easily build your own online. With Cove, you also get access to features like Cove InstaText™ for fast notifications on activity in your home and voice control when you choose a Cove monitoring plan. Cove monitoring ranges from $15/mo. – $25/mo.

    Pros

    • Custom packages with low-pressure sales
    • Easy cancellation
    • 60-day money-back guarantee

    Cons

    • Premium app subscription required for many features
    • Relatively new company
    • Lack of smart home integration and camera options

    Cove also does not require a credit check for their security system. If you choose the Economy Plan, which allows you to pay for your system over time, Cove still will not check your credit. You’ll only have to pay an extra $10/mo. for your monitoring fee.

  3. Best for Video Doorbells

    Ring Home Security

    Our rating 8.4

    Starting at $10/mo

    Our take on Ring Home Security

    Ring offers complete security systems, video doorbells, cameras and more for your home’s protection.The base security system comes with 5 pieces: a base station, keypad, contact sensor, motion detector, and range extender. This alarm security kit has a retail price of $199.00.

    What we like

    • Inexpensive equipment and professional monitoring
    • Easy to install
    • A range of security camera devices

    What we don’t like

    • Video recording not available without a Ring Protect Plan
    • Higher-tiered packages cover more area, but don’t add any features
    • Cellular backup not available without a Ring Protect Plan

    Ring has very inexpensive professional monitoring — $10/mo. to be exact. You’ll also get access to Ring’s many camera and smart lighting options.

  4. Best for Self-Monitoring

    Abode Security

    BBB rating C

    Starting at $8.33/mo

    Our take on Abode Home Security

    Abode is a budget-friendly option for tech-savvy individuals who are comfortable setting up and monitoring their own security systems. Its ample smart home integrations provide a good foundation for uniting all of your home automation devices.

    Pros

    • 30-day return policy
    • Option for short-term professional monitoring
    • Two self-monitoring plans

    Cons

    • Professional monitoring only available in highest tiered monitoring plan
    • Cellular backup not available in basic monitoring plan
    • Understanding custom home automation features could be difficult for some

    Abode also touts a very low monthly monitoring rate – currently $8.33/mo. One of Abode’s biggest assets is its smart home connectivity, allowing you to connect and use up to 160 smart devices with your security system.

  5. Best for Smart Home Integration Options

    Scout Alarm

    BBB rating Not yet rated

    Starting at $30.99/mo

    Our take on Scout Alarm

    Scout is a Kickstarter-funded company that launched in 2013. From the start, Scout has promised simpler, smarter security do-it-yourself security solutions designed to seamlessly blend with contemporary homes and lifestyles.

    What we like

    • 60-day return policy
    • Multiple smart home integrations
    • Modern aesthetics

    What we don’t like

    • Not a variety of smart home products
    • Setting up actions for Scout might be tricky
    • Could lose one of the arming/disarming stickers

    Scout does not require a credit check for its security systems and also offers professional monitoring at the low monthly cost of $19.99/mo. As an added bonus, for $19.99/mo., you’ll get free cloud storage for your first security camera or video doorbell camera.

Top Features to Look for in Home Security Systems with…

Top Features to Look for in Home Security Systems with No Credit Check

  • No Contracts

    Choosing a no-contract provider is one of the most important features to look for if you’re concerned about credit checks. These providers will allow you to purchase your equipment and have professional monitoring without committing to service over a period of time. This way, not having to sign a contract reduces the likelihood of your credit being checked.

  • DIY Installation

    Most providers who don’t require contracts are DIY providers, meaning they allow customers to install their own security systems. The benefits of a DIY system include the elimination of an installation fee and these systems are easier to move and install in rental properties. DIY security systems can be customized – and expanded on over time.

  • Lower Equipment Costs

    If you’re looking for more affordable options, choose a provider with lower upfront equipment costs. Most DIY security systems cost from around $200 to upwards of $600. The price of your system will vary based on the equipment included and any devices you may add on, but there are affordable options you can choose from.

Frequently Asked Questions About No Credit Check Security Systems

Frequently Asked Questions About No Credit Check Security Systems

Do security companies run credit checks?

Typically, security companies will run a credit check if you’re seeking to finance your security system. In some cases, this is a soft credit check. If you’re only making a one-time purchase, such as in paying for all of your equipment upfront, then companies usually won’t check your credit.

Will I have to pay a monthly fee for my security system?

If you get professional monitoring, yes you’ll have to pay a monthly fee. Even if you’re on a budget, there are affordable home security systems and monitoring plans. Each of the providers above have lower monthly monitoring prices than what you could expect to see with other providers, such as those that require professional installation.

Can I purchase smart home devices with no credit check security systems?

Yes, each of the providers above have smart home devices you can choose from to automate certain functions of your home.

Can I purchase security cameras with no credit check security systems?

Yes, most of the providers above have security camera options you can choose from to help with monitoring your home. Abode is the only exception. Although Abode currently doesn’t have a camera you can purchase, the company is planning to release the Abode Cam in April 2020.

 


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Written by

Jalesa Campbell

Jalesa develops content in the home security space and contributes to Safety's social media efforts.