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
- SimpliSafe Home Security — Best for Easy Installation
- Cove Security — Best for Instant Text Alerts
- Ring Home Security — Best for Video Doorbells
- Abode Security — Best for Self-Monitoring
- Scout Alarm — Best for Smart Home Integration Options
Compare Home Security Systems with No Credit Check
| 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
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.
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.
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.
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.
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.
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.
