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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.
Updated Oct 12, 2020
Written By
Jalesa Campbell | Safety and Security Reporter
Evaluated over 90 safety products to help you protect what matters most. Check our Methodology

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

Compare Home Security Systems with No Credit Check

SimpliSafe Security

Cove Security

Ring Home Security

Abode Security

Scout Alarm

Pro monitoring starts at
Installation type
No contract requiredNo contract requiredNo contract requiredNo contract requiredNo contract required
Trial Period
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BBB rating

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The Best Home Security Systems with No Credit Check

  • Best Overall DIY Security System

    SimpliSafe Home Security

    Our rating
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    Our take on SimpliSafe Home Security:

    SimpliSafe is our top pick for inexpensive monitoring, durable equipment and reliable services that simplify home security. You’ll have all the right devices and features to give you peace of mind — even when the unexpected happens.


    Recommended package: Barrington



    • Inexpensive professional monitoring
    • Wireless equipment
    • Cellular monitoring


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

    Research SimpliSafe

    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.

  • Best for Instant Text Alerts

    Cove Security

    Our rating
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    Our take on Cove Security:

    Although Cove Security launched just a couple of years ago, it offers some unique perks, such as the ability to completely avoid a contract by paying for equipment upfront. Another major selling point is Cove’s ease of installation.


    Recommended plan: Build your own



    • Affordable monitoring and equipment
    • Installation takes about half an hour
    • 60-day money-back guarantee


    • Limited equipment selection
    • Does not connect to Z-Wave equipment
    • Smartphone app only available with the most expensive monitoring package

    Research Cove Security

    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.

  • Best for Video Doorbells

    Ring Home Security

    BBB rating
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    Our take on Ring Home Security:

     Ring is a popular DIY camera choice, especially for those that aren’t looking for whole-home security quite yet. Its security systems and cameras can give you affordable security, monitoring and surveillance without a contract.


    Recommended package: 14-Piece Security Alarm Kit


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


    • 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

    Research Ring

    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.

  • Best for Self-Monitoring

    Abode Security

    BBB rating
    Starting at

    Our take on Abode Home Security:

    Abode lets you create your home security package based on your equipment and monitoring needs. Choose between DIY and professional monitoring for your DIY equipment to give you the best home security at an affordable price.


    Recommended package: The Iota All-In-One Security Kit



    • Flexible monitoring plans
    • Option for short-term professional monitoring
    • Access to an all-in-one security system


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

    Research Abode

    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.

  • Best for Smart Home Integration Options

    Scout Alarm

    Our rating
    Starting at

    Our take on Scout Alarm

    Scout is a DIY smart security option that gives you more control of your security and smart home devices. Your pack connects your favorite smart lights, garage openers and more. You’ll have ultimate control and convenience together with Scout.

    Recommended Package: Architect Pack  


    • No contract required
    • Unique RFID door panel for arming and disarming
    • Lots of home automation integration capabilities


    • Not very many smart devices to choose from
    • No professional installation option
    • Professional monitoring not available with Always On plan

    Research Scout

    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 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


Safety and Security Reporter

Jalesa Campbell

Jalesa is one of Safety.com's staff experts on home security, natural disasters, public safety, and family safety. She's been featured on Today.com and elsewhere.

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