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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

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 Logo

Cove Security

ring logo

Ring Home Security

Abode Security Logo

Abode Security

Scout Alarm Logo

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

    SimpliSafe Home Security

    Our rating
    Starting at

    Our Take on SimpliSafe Home Security

    Keep those pesky burglars away with a SimpliSafe security system. Choose from a range of packages and equipment, and get inexpensive professional monitoring.


    Recommended Plan
    We recommend The Barrington if you’re interested in SimpliSafe. This package combines intrusion detection and video surveillance. Equipment starts at $388.93. Professional monitoring starts at $14.99 per month. Self-monitoring is free.


    • Inexpensive professional monitoring
    • Wireless equipment
    • Cellular monitoring
    • Free self-monitoring


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

    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 Logo

    Cove Security

    Our rating
    Starting at

    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 up front. Another major selling point is Cove’s ease of installation.


    Recommended Plan

    Regardless of how you pay for your custom equipment package, we recommend the Cove Plus Monitoring plan, the only option that supports Google Home and Amazon Alexa integrations.


    • 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 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 logo

    Ring Alarm Home Security

    Our rating
    Starting at

    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.


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


    • 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 Logo

    Abode Security

    Our rating
    Starting at

    Our Take on Abode Home Security

    With an all-in-one home security system and lots of smart home compatibility, Abode is an innovator, giving you the ability to choose between self- or professional monitoring.


    Recommended Plan
    The Iota All-In-One Security Kit combines motion detection, video surveillance, and two-way audio into a single hub for your home. Equipment starts at $299. Professional monitoring starts at $20 per month.


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


    • 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

    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 Logo

    Scout Alarm

    BBB rating
    Not yet rated
    Starting at

    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.


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


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

    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


Jalesa Campbell avatar

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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