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
 SimpliSafe Security |  Cove Security |  Ring Home Security |  Abode Security |  Scout Alarm | |
|---|---|---|---|---|---|
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 |
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The Best Home Security Systems with No Credit Check
- Best overall DIY security system
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.
Research SimpliSafePros
- 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 the 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:
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.
Research Cove SecurityPros
- Affordable monitoring and equipment
- Installation takes about half an hour
- 60-day money-back guarantee
Cons
- Limited equipment selection
Doesn't connect toZ-Wave equipment
- Smartphone app only available with the 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.
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.
Research RingPros
- Standalone equipment and whole-home systems available
- Professional and DIY installation and monitoring available
- A wide range of comparatively cheap equipment
Cons
- Paid Protect Plan required for video storage and smart features
- Only works with Amazon Alexa
- Cellular backup only available with 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 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.
Research AbodePros
- 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
Cons
- Warranty only lasts one year
- Requires paid plan for service and most features
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.
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.
Research ScoutPros
- 60-day money-back guarantee
- Contract-free home security
- Smart home-focused with many features and integrations
Cons
- Three-year equipment warranty, compared to other lifetime warranties
- Must upgrade plan for professional monitoring
- No professional installation option
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.