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Don’t let your credit score stop you from keeping your home safe. Check out our expert-vetted home security systems that don’t run a credit check.
Updated April 18, 2024
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An arbitrary number that banks use to see if they should loan money to you shouldn’t keep you from protecting your family with a home security system. I’m sure you’d agree. Unfortunately, that used to be the norm. Before DIY systems and the push away from long-term contracts, almost every home security system ran a credit check before taking you on as a customer. Thankfully, those days are gone.
Now, you can get some of the best home security systems on the market regardless of your credit score. There are still a few companies that run credit scores, so I’m going to break down the best home security systems that don’t run a credit check for you. This way you won’t have to worry about building out your dream system only to find out you don’t qualify.
SimpliSafe equipment
| System | SimpliSafe | abode | Cove |
|---|---|---|---|
| Ranking | 1st | 2nd | 3rd |
| Rating | 9.2/10 | 8.0/10 | 8.8/10 |
| Contract length | Monthly | Monthly or yearly | Monthly or yearly |
| Installation options | DIY | DIY or professional | DIY |
| Subscription cost | Starting at $9.99 per month | Starting at $6.99 per month | Starting at $17.99 per month |
| Monitoring options | Professional or DIY | Professional or DIY | Professional |
| Equipment cost | Packages starting at $110 | Packages starting at $139 | Packages starting at $87.50 |
| Smart platform integrations | Alexa and Google Home | Alexa, Google Home, and Apple HomeKit | Alexa and Google Home |
| Review | SimpliSafe review | abode review | Cove review |
When it comes to reliable home security at affordable prices, beating SimpliSafe is tough. It offers simple, customizable security packages that can fit almost any budget. You can slowly add more components to spread out the cost of your home security system. This gives people with poor credit scores a great alternative for spreading out the cost of their security system without financing.
True to its name, SimpliSafe keeps its equipment simple and safe using long-lasting batteries and industrial-grade adhesives for all components. This basic combination makes installation easy and maintenance minimal. I really liked the entry sensor’s five-year battery life, which let me forget about it entirely without worrying about it running out of juice. When testing out the motion sensor, it avoided false alarms most others cause anytime my dog walks by.
SimpliSafe Essentials Kit
As for the security cameras, SimpliSafe is far from the least expensive option out there. But that doesn’t mean its prices are too high. When we tested the cameras, it was clear the premium price point came with a premium product.
For example, when we reviewed SimpliSafe’s outdoor security camera, I was really impressed with the built-in spotlight that’s discreet and effective while giving you full-color night vision. That means you don’t need an ugly light attached to your camera like we had to install when testing Ring’s Floodlight Cam. Take a read through our breakdown of SimpliSafe’s packages and pricing to see how much a complete system will cost.
Pro Tip: When installing SimpliSafe equipment, make sure to press the adhesive backing against the wall for the full 30 seconds. I only did so for about five seconds for the first motion sensor I installed, and it fell right off the wall. After that, I started doing the full 30 seconds and didn’t have an issue installing any other component. And be sure to wash the surface before applying the adhesive!
For people who want to avoid monthly fees altogether, SimpliSafe is a safe bet. Its free unmonitored plan gives you access to basic features such as live video feeds, remote arming, and remote disarming. I was a little disappointed that I couldn’t use push notifications for my system without paying a monthly fee, unlike abode.
If you’re looking to pay for a subscription, SimpliSafe gives you three options to choose from:
| Plan | Self Monitoring | Standard Monitoring | Fast Protect |
|---|---|---|---|
| Cloud storage | 30 days for five cameras | None | 30 days for unlimited cameras |
| Access to SimpliSafe’s app | Yes | Yes | Yes |
| Push notifications | No | Yes | Yes |
| Cellular backup | No | Yes | Yes |
| 24/7 professional monitoring | No | Yes | Yes |
| Secret alerts and scheduled arming | Yes | No | Yes |
| Lifetime warranty | No | No | Yes |
| Price | $9.99 per month | $19.99 per month | $29.99 per month |
To sum it up, if you want cloud storage but not professional monitoring, go with the Self Monitoring plan. If you want monitoring only, go with the Standard Monitoring plan. If you want both monitoring and cloud storage, go with the Fast Protect plan. You can always avoid monthly fees completely with the Unmonitored plan. For a more comprehensive breakdown, check out our guide to SimpliSafe’s monitoring plan cost, options, and fees.
Even though SimpliSafe doesn’t give you quite as many integrations as abode, the ones it does offer work really well. It was able to pick up my voice commands with ease and actually offered a good bit of control with both Google and Alexa. I could tie my Philips Hue lights into voice commands that controlled my system so that the lights would turn off when I armed the security system as I left the house. But SimpliSafe’s options for home automation are pretty limited.
When it comes to the integrations that SimpliSafe was lacking, I really wanted to see Apple HomeKit and IFTTT integrations. This would really open up the home automation capabilities since IFTTT connects with most third-party smart devices. And let’s face it, Apple is a pretty big brand to leave out of integration capabilities.
>> Read More: The Best IFTTT Home Security Systems in 2024
| Monitoring Options | Self or professional |
|---|---|
| Installation | DIY or professional |
| Smart Platform Integration | Alexa and Google Home |
| Equipment Cost | From $249.96 |
| Monthly Monitoring Cost | From $19.99 |
| Contract Length | Month-to-month |
It might still be the new kid on the block, but Cove has definitely made a splash in the home security industry by prioritizing peace of mind. This means all of the system’s components include features to minimize false alarms while still giving you the security you need. Cove requires professional monitoring for all of its systems.
Overall, Cove makes decent-quality equipment at affordable prices. I think of the company as being similar to SimpliSafe. It even has that same white coloring and kind of blocky designs. One of the biggest differences that makes me like SimpliSafe a bit more is the integrated spotlight in the outdoor camera. But Cove outshines SimpliSafe in video quality with 2K resolution instead of SimpliSafe’s standard 1080p HD. This makes digital zoom a bit clearer and the picture quality overall that much more crisp. It really helps when trying to make out faces. I’d still prefer a built-in spotlight.
Cove Security System
Another piece of Cove’s equipment that I really liked was the motion sensor. It was surprisingly small. First, I opened the door sensor, which was a bit big when I compared it to the Vivint sensors I had tested just before getting the Cove system. Then, I opened up one of the smallest motion sensors on the market. It’s barely bigger than a lemon, so you can fit it just about anywhere without it drawing any attention.
As for the cost of a Cove security system, it comes in at less than SimpliSafe but more than abode if you want multiple security cameras.
Did You Know? Cove regularly runs a promotion that includes a free indoor security camera with the purchase of any security system. So you can get a security hub, a touch screen panel, and an indoor security camera for $87.50. From there, you can add more sensors and cameras as your budget allows.
Unlike SimpliSafe and abode, Cove requires professional monitoring. Now, when you consider security systems that require professional monitoring, you have industry giants like ADT and Vivint. But when I reviewed the ADT home security system, it ran a credit check on me. ADT and Vivint also cost a whole lot more, both for the equipment and for the monitoring. That doesn’t mean it’s worse.
Cove’s professional monitoring plans come with RapidSOS technology. RapidSOS has partnered with Cove exclusively, meaning you won’t get this technology from any other provider. Basically, instead of you having to relay information to your provider’s monitoring center and then call the appropriate authorities, RapidSOS sends verified alarm information directly to the monitoring center, which can immediately take action. This, in theory, saves three to four minutes in dispatch time.
You’d think RapidSOS would come only with the premium plan, but Cove has a few other features that separate its cheaper plan from the premium option. Here’s an overview of the differences between Cove’s two monitoring plans:
| Plan | Cove Basic | Cove Plus |
|---|---|---|
| 24/7 professional monitoring with RapidSOS | Yes | Yes |
| Cellular backup | Yes | Yes |
| System controls through the mobile app | Yes | Yes |
| Supports security cameras | No | Yes |
| Automation through Cove routines | No | Yes |
| Equipment warranty | 1 year | Lifetime |
| Price | $17.99 | $27.99 |
FYI: Cove uses AT&T’s 4G LTE network for its cellular connection to the monitoring center. It does not use Wi-Fi. This means you need to have a strong signal in AT&T’s 4G LTE network, which you can check on the FCC’s Mobile LTE Coverage [citaiton id=”1″]Map.[/citation]
Similar to abode, Cove has its own automation system, called routines. You set these in the app to automate parts of your home security system. For example, I made a routine to arm my security system at 11 p.m. every night since I’m always in bed by then. I made another one to disarm the system at 5:30 a.m., right before my dog usually wakes me to take him out.
That’s about all of the similarities that Cove has with abode when it comes to smart home capabilities. Cove lacks the third-party integrations that really make home automation shine. I can’t connect it to my Philips Hue lights or any of my Z-Wave devices. Even when I reviewed the Kwikset Halo Touch smart lock, I couldn’t get it to integrate with Cove. It can integrate with Google Home and Amazon Alexa, but that’s about it. If you use only Google products, make sure to consider all of the best home security systems for Google Home.
| Monitoring Options | Professional or DIY |
|---|---|
| Installation | DIY |
| Smart Platform Integration | Alexa and Google Home |
| Equipment Cost | From $87 |
| Monthly Monitoring Cost | From $17.99 |
| Contract Length | 1 month |
Whether you already own a variety of smart home devices or want to start building out a home automation system, abode makes it easy to connect all of your third-party smart devices. It can even act as the brains behind your home automation systems. And it offers some unique home security products, like a $35 home security camera that makes its system a serious contender for anyone who needs one of the most affordable home security systems.
Most of abode’s equipment is about what you’d expect: motion sensors with a wide field of view (FoV), doorbell cameras that run on batteries with 1080p resolution, affordable starter packages with a basic security hub, and a variety of entry sensors. But abode does have two products that really stand out in the industry, the Iota hub and the abode Cam 2.
abode Equipment
To make the most of abode’s home automation capabilities, you need the Iota hub. This is easily one of the most capable security system hubs on the market, with a built-in security camera, Wi-Fi connectivity, and a sleek design. It also gives you full access to abode’s automation features, although you can get those with the Smart Security hub too.
I really liked using the Smart Security hub since I just put it in my living room, where I’d normally have an indoor camera. This let me get the full value out of this hub. If you don’t have a good place to put the hub and use the indoor camera, I recommend saving $70 to $100 by going with the Smart Security hub. Find out what you can fit into your budget with our guide to abode’s packages, plans, cost, and pricing.
Then, there’s the abode Security Cam 2 that I tested. What makes this security camera stand out is its price point. With it regularly going on sale for $35, it’s one of my favorite budget security cameras. It’s an indoor and outdoor camera, so you can put it wherever you want, and it features 1080p resolution, and full-color low light and night vision. I wish the abode Cam 2 had a wider FoV. It has only 121 degrees; Vivint’s home security cameras give at least 140 degrees of visibility. They also cost about five times as much. I did miss having the option of a high-end security camera when testing abode’s system.
FYI: You can still use the abode Cam 2 even without an abode home security system. It integrates into smart home systems and even other security systems. That means you can still get a security camera on a budget without committing to a full abode system.
abode is one of the best no-monthly-fee home security systems. You can still get push notifications and even access abode’s third-party integrations. The only main feature locked behind a subscription is the CUE automation system. Otherwise, you have pretty much full use of your abode system. Of course, you don’t get cloud storage or professional monitoring for free.
abode gives you a lot for free, but that doesn’t mean the subscription plans aren’t worth it. You can choose between two paid plans: one for cloud storage and one for professional monitoring. Here’s the breakdown:
| Plan | Standard | Pro |
|---|---|---|
| Cloud storage | 10 days of storage for unlimited cameras | 10 days of storage for unlimited cameras |
| CUE automation access | Yes | Yes |
| AI human detection enabled | Yes | Yes |
| Cellular backup | No | Yes |
| Professional monitoring | No | Yes |
| Price | $6.99 per month or $69.99 per year | $24.99 per month or $149 for the first year, then $249.99 per year |
Between abode’s low-cost security camera and support for unlimited cameras with its cloud storage, I recommend abode for any household that wants a lot of security cameras. The cost-effectiveness is just too good to even compare when you need more than five cameras. If you want only a few security cameras, compare SimpliSafe vs abode.
What excited me while testing abode’s system is that the smart home capabilities of abode are unmatched. While it doesn’t have the highest-quality security camera or the lowest-priced system, abode makes up for all of that with its smart home capabilities. It integrates with Alexa, Google Home, and Apple HomeKit, as well as other third-party integrations through Z-Wave and Zigbee support. You can even use Philips Hue lights and other closed-source third-party devices. If you use only Alexa smart home products, read our comparison of abode and Ring to see which best fits your needs.
As for its ability to automate, I ended up loving CUE. It took me a bit to get used to, but once I spent about an hour playing around on the app, it eventually clicked. By the time I was done testing abode, I automated my entire house using CUE. I was even able to figure out the more advanced features, like geofencing, which automatically turned the lights off, locked the doors, and closed my garage door when I left for work every morning.
>> Learn More: A Beginner’s Guide to Home Automation
| Monitoring Options | Professional and DIY |
|---|---|
| Installation | DIY |
| Smart Platform Integration | Alexa, Google Home, and Apple HomeKit |
| Equipment Cost | From $139.99 |
| Monthly Monitoring Cost | From $5.83 |
| Contract Length | Month-to-month |
The good news here is that you do not need a good credit score to get a home security system. Nowadays, most providers let you pay for the entire system upfront without any financing or long-term contracts. But there are still some that check your credit score. Unfortunately, they’re some of the biggest names in the industry, such as ADT and Vivint.
That shouldn’t stop you from taking your home security seriously with a quality home security system. There are still plenty of options. You can even still spread out the cost of your system by slowly buying components instead of buying the entire system at once. Cove is great for this, with its basic package including a free indoor camera.
The last thing you want is to spend hours figuring out the perfect system only to find out you don’t qualify due to your credit score. It’s a frustrating experience, but one that anyone who’s struggled with their credit score can relate to. To avoid that, here are a few signs that a security provider will probably run a credit check before approving you:
As long as you’re not financing equipment or signing up for long-term contracts, you can usually get any subscription that a home security provider offers. This includes professional monitoring.
Your credit score should never preclude you from any provider’s professional monitoring specifically. And you might even be able to get a discount on your homeowners insurance by having a professionally monitored home security system. Look at it from the provider’s perspective: It can just turn off your monitoring if you miss a payment, so there’s no risk for the provider.
>> Read About: Monitored vs. Unmonitored Home Security Systems
Testing home security systems always starts with the spreadsheet I maintain on the latest releases in the home security industry. I watch for any new security camera or complete system and add it to the list of equipment I want to test. (Sure, it’s a bit nerdy, but it’s what I do.)
I then pick out a few systems with at least a couple new components from the last time I tested them. I build each system so that it gives me access to any new features. Then, I place my order.
Eventually, my new system arrives. Once I install it, I learn how the new system makes my home more secure. This usually requires a few weeks of testing. Then, I compile notes and start working on the review.
Unless you need to finance your equipment, you can absolutely get a high-quality home security system without a credit check. Most providers nowadays don’t even run a credit check since they don’t offer financing or long-term contracts.
You can still get all the services you need from cloud storage to professional monitoring. And you get to avoid those pesky long-term contracts with hefty early-termination fees that you probably didn’t want anyways.
Our top picks for folks with poor credit? SimpliSafe, abode, and Cove.
Since it doesn’t offer long-term contracts, SimpliSafe does not run a credit check unless you opt to finance your system through Affirm.
Typically, ADT charges higher monthly fees for people with low credit scores and even denies some people service. So, I don’t recommend ADT if your credit score is bad.
Yes. Most security systems that don’t run credit checks still offer professional monitoring. These companies eliminate long-term contracts by offering month-to-month monitoring services instead.
Generally, you’ll start to encounter issues once your credit score dips below 600 when it comes to getting home security systems from providers like ADT and Vivint.
Absolutely! You can get a great security system no matter what your credit score is. There are plenty of providers that don’t require financing or long-term contracts and therefore don’t run credit checks, like SimpliSafe, abode, and Cove.
Federal Communications Commission. (2021). 4G LTE Coverage as of May 15, 2021 (AT&T Mobility, T-Mobile, UScellular, Verizon).
fcc.maps.arcgis.com/apps/webappviewer/index.html?id=6c1b2e73d9d749cdb7bc88a0d1bdd25b
