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
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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
60 days60 days30 days30 days60 days
BBB rating

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The Best Home Security Systems with No Credit Check

  • Best overall DIY security system

    SimpliSafe Home Security

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    Our take on SimpliSafe Home Security:

    SimpliSafe Home Security 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.



    • 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

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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 avoid a contract by paying for equipment upfront. Another major selling point is Cove’s ease of installation.


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


    • Limited equipment selection
    • Doesn't connect toZ-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

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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.


    • Standalone equipment and whole-home systems available
    • Professional and DIY installation and monitoring available
    • A wide range of comparatively cheap equipment


    • Paid Protect Plan required for video storage and smart features
    • Only works with Amazon Alexa
    • Cellular backup only available with 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

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    Our take on Abode Home Security:

    Abode offers plenty of features in your security equipment. It offers DIY smart security that gives you more than expected. Abode’s Iota Security hub has a built-in siren, HD camera, two-way audio, and can connect up to 160 smart devices. You’ll have to set up the system yourself, and Abode requires service, but it’s worth every penny.


    Recommended package: The Iota All-in-One Security Kit Elite is our favorite pick. We love the built-in hub features. Plus, you’ll still get the security essentials for $292. If you’re looking for an option with more cameras, we recommend the Smart Security Kit Complete for a solution that has two Abode Cam 2 cameras. This provider also offers price match. If you already have a quote from a different provider, make sure to send it to them to see if there’s an opportunity to save extra money. 


    • Works with Google Assistant, Amazon Alexa, and Apple HomeKit
    • Smart hub with built-in security with smart home features
    • Camera that doubles as an indoor, outdoor, and doorbell camera


    • Warranty only lasts one year
    • Requires paid plan for service and most features
    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
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    Our take on Scout Alarm

    Scout is a DIY security solution that’s customizable to fit your security needs. You can even choose your hub’s color. Even though Scout doesn’t offer professional installation, it offers wireless packs that are easy to self-install. Scout also offers a 60-day money-back guarantee.


    • 60-day money-back guarantee
    • Contract-free home security
    • Smart home-focused with many features and integrations


    • Three-year equipment warranty, compared to other lifetime warranties
    • Must upgrade plan for professional monitoring
    • No professional installation option
    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's staff experts on home security, natural disasters, public safety, and family safety. She's been featured on and elsewhere.

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