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.
Compare Home Security Systems with No Credit Check
Ring Home Security
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The Best Home Security Systems with No Credit Check
- Best Overall
SimpliSafe Home SecurityOur rating9.3Starting at$14.99/mo
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
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 SecurityOur rating7.4Starting at$14.99/mo
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
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 Alarm Home SecurityOur rating8.4Starting 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.
- 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
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 SecurityOur rating9Starting at$20/mo
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
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 AlarmBBB ratingNot yet ratedStarting 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.
- 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
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
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.
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.
Yes, each of the providers above have smart home devices you can choose from to automate certain functions of your home.
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.