Best Home Security Systems for People With Poor Credit in 2024

 Home security systems have gone through major updates and advancements in recent years. Nowadays, even an affordable option for home security covers almost all essential aspects that you would need for a basic or even an advanced home security network. These parameters include real-time monitoring, high-quality surveillance, remote communication, local/cloud storage for saving the recorded data, and much more.

Therefore, it is slowly becoming an ideal accessory for all households and offices. With a powerful home security system in place, you will have one less thing to worry about when you are not at home for a long period of time such as when you are on a vacation. Even for routine security, the surveillance and remote monitoring features come in handy to check up on your house and surrounding area whenever you want.

Impact of Credit Check on Home Security Network

Along with the advancement of home security networks, there have also been some added restrictions and changes in the eligibility criteria that determine the ideal security network for an individual. One of the determining factors in this scenario is the credit check which takes many different factors into consideration such as history of delayed payments, collection accounts, possibility of bankruptcy filing, charge-offs, defaulting of loans, and much more. All of these factors collectively generate a credit score for you, where a higher credit score ensures financial reliability and helps with the eligibility criteria for better security networks.

The credit background check also impacts the subscription plans and the premium amounts if the provider offers customized plans for each individual. With a higher credit score, you can also gain some added benefits in your plans such as lower subscription costs, free-of-cost installation, reduced security deposits, and much more.

Why is Credit Score an Eligibility Criteria for Security System Providers?

Credit scores are used as an eligibility criterion by security network providers for several reasons based on the nature of their services. This includes the financial aspects of the service as well as the terms and conditions of the contract. Security system providers often require users to sign contracts that involve a monthly fee for monitoring services.

In some cases, equipment costs and installation charges are also considered in the contract. In such cases, a higher credit score is perceived as a green flag of financial stability and responsibility. Therefore, providers use credit checks to assess whether a potential customer is likely to fulfill their financial commitments over the duration of the contract.

Many security system providers also offer equipment financing or included accessories on lease where credit scores can be used to determine the terms for such an arrangement. A higher credit score also results in more favorable financing terms or lower upfront costs of the users, making it easier for individuals to obtain the necessary equipment. Also, if your credit score checks out fine, the service may offer you a longer subscription plan without any added interest or increase in subscription cost, which works out best in your favor.

Is it Possible to Get a Decent Security System with a Bad Credit Score?

It’s important to know that not all security system providers use credit scores as a determining factor, and some may prioritize other criteria such as rental history, employment status, or simply the absence of any form of criminal record whatsoever. The use of credit checks as an eligibility criterion also varies among different providers. Therefore, there are numerous alternative options that may be available for individuals with lower credit scores. Ultimately, the goal for security system providers is to ensure the reliability and financial stability of their customer base to maintain consistent service.

Therefore, it is possible to get a decent security system even with a relatively bad credit score. And while you are subscribed to one such service, you can actively work towards a better credit score so that you can upgrade to a more beneficial plan in the future, or switch to a different service provider when you have regained a decent credit score.

Most Important Features of a Home Security System

Even if you are looking for an alternative solution for a security system because of a lower credit score, there are a few things that you need to check before you choose an option. These are some of the most important parameters of a home security system that matter the most when it comes to the performance and longevity of the system. Therefore, whichever provider you are choosing for your home, you need to make sure that your choice excels in the following aspects for a better experience.

  • Installation Procedure & Cost: The installation procedure and cost of a home security system depend on the type and complexity of the system, as well as the service provider. Some home security systems are easy to install by yourself, while others may require professional installation by trained technicians. DIY installation generally saves you considerable investment and time, but it may also limit your options and affect the warranty policies. On the other hand, professional installation can ensure proper functionality. However, the installation charges may not be covered in the subscription plan and incur additional fees. Therefore, you should always compare the installation procedure and cost of different home security systems and choose the one that suits your budget and preference.
  • Available Monitoring Options: The monitoring options of a home security system are basically how the system communicates with the user or the authorities in case of an emergency. There are three main types of monitoring options: self-monitoring, professional monitoring, and hybrid monitoring.

                a. Self-Monitoring: It means that you are solely responsible for monitoring your system through your smartphone or computer, and you have to contact the emergency services yourself.

b. Professional Monitoring: Professional monitoring suggests that your system is connected to a central monitoring station that monitors your system 24/7 and contacts the emergency services on your behalf.

                c. Hybrid monitoring: It represents a dynamic system choosing between self-monitoring and professional monitoring depending on your situation. You should compare the available monitoring options of different home security systems and choose the one that offers the best protection and convenience for you.

  • Integration with Smart Devices: A home security system that can integrate with smart devices can offer you more control, convenience, and customization over your home security and automation. It allows you to use your smartphone or direct voice commands to control your security system and other smart devices for custom schedules and routines as well as to receive alerts and notifications. You can also use smart devices to enhance your security system such as triggering smart lights based on motion detection or using smart locks to grant access to known visitors and guests. While you are at it, you should also compare the integration with smart devices of different home security systems and choose the one that offers the most compatibility and functionality for you.

So far, we have discussed the importance of credit scores regarding the selection of home security systems and what features you need to check before you get a home security service subscription. Now, let us move on to the best alternative options we have gathered “Buying Guide” here for you. We have carefully selected these options considering lower credit scores and how these systems offer different options and services based on that. So, make sure you check out all of the choices covered in this section.

Best Home Security Systems for People with Poor Credit Reviews

1. Simplisafe Security System

Simplisafe Security System

SimpliSafe Security Systems is the most popular and reliable brand for wireless home security alarms that offer professional monitoring, and protection from break-ins and hazards. But most importantly, SimpliSafe systems are free from any form of contract, meaning you can opt-in for this system without any impact on your current credit score. Also, you can install the system yourself or have a technician do it for you based on your preference. There are different packages and monitoring plans to choose from to suit your needs and budget. SimpliSafe also works with smart home devices like Amazon Alexa, Google Assistant, and August Smart Lock.

Best Features

  • You can choose to install the system yourself with interactive guidance from the SimpliSafe App.
  • You can choose from three monitoring plans that are Standard, Interactive, and Pro where the subscription costs are $14.99, $24.99, and $29.99 respectively.
  • SimpliSafe works with Amazon Alexa, Google Assistant, Apple Watch, and August Smart Lock.
  • SimpliSafe offers a variety of wireless accessories and sensors, such as video doorbells, smart locks, door sensors, motion detectors, smoke detectors, glass break sensors, temperature monitors, and much more.
  • SimpliSafe does not require any long-term contracts or commitments.


  • Highly affordable option
  • There are a lot of parameters for customization
  • Completely wireless security system
  • SimpliSafe offers 60 days money-back guarantee
  • It has 3 years of warranty


  • Limited smart home integration
  • It offers basic equipment without outdoor cameras

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2. Abode Security System

Abode Security-Systems

Abode is a comprehensive home security system that combines professional monitoring with a DIY approach, offering users a range of features to protect their homes along with affordability of initial setup. Abode’s systems include a variety of sensors and devices, allowing users to customize their setups based on their specific needs. The system supports integration with various smart home devices, providing users with a smarter approach to home security. Abode also has a wide range of wireless accessories and sensors to choose from, including door sensors, motion detectors, glass break sensors, and much more. This allows users to customize their security setups based on the unique layout and needs of their homes.

Best Features

  • Abode allows users to perform DIY installation without affecting the warranty policy
  • Highly customizable security solution
  • Smart home integration is very good
  • It offers optional professional monitoring service
  • No long-term contract is required


  • Flexibility to choose and change their monitoring plans
  • Compatibility with various smart home platforms
  • Users can opt for professional monitoring or self-monitoring
  • Diverse range of security devices


  • Initial cost is a bit more expensive than a few other alternatives
  • Selection for outdoor cameras is rather limited

3. Cove Security System

Cove Security System is a customizable and affordable solution for home security that provides cellular connection, 24-hour monitoring, and environmental alarm sensors. You can easily install the system yourself in about 30 minutes, or request professional installation for a fee. Cove offers a variety of products, such as alarm panel, door sensor, window sensor, motion sensor, glass break detector, key fob, medical pendant, secondary siren, cameras, and more. You can also integrate Cove with smart home devices like Alexa and Google Home.

Best Features

  • You can choose between DIY installation or professional installation for $99.
  • You can choose between Basic and Plus monitoring plans. The basic plan costs $14.99 per month and even that includes cellular connection, 24-hour monitoring, and environmental monitoring.
  • The Plus plan costs $24.99 per month and includes everything in the basic plan, plus smartphone control, live voice assist, and lifetime equipment warranty.
  • You can integrate Cove with Alexa and Google Home to control your system with voice commands.
  • You can also use IFTTT to create custom automation with other smart devices.
  • There is no contract or cancellation fee with Cove.


  • It does not have any credit checks
  • 60-day money-back guarantee
  • Lifetime warranty is available with plus plan
  • Cove offers a variety of devices such as alarm panel, door sensor, window sensor, motion sensor, glass break detector, key fob, etc.


  • Professional installation is a bit pricey
  • Self-monitoring option is missing

4. Ring Security System

Ring Security System

Ring Security System is a smart and versatile solution for home security that offers wireless cameras, alarms, doorbells, and more. Ring also offers a range of products and services, such as base station, keypad, contact sensor, motion detector, range extender, smoke detector, flood sensor, panic button, etc. You can also connect Ring with Alexa and other smart home devices for voice control and automation. And since Rind security devices are highly compact and wireless, it is very easy to install the system by yourself, saving a lot in terms of initial investment. Ring has been a great alternative solution to premium options and also does not include any contract or agreement for its services.

Best Features

  • DIY installation is easy and fast, while
  • Professional installation takes care of all aspects and costs about $199.
  • You can choose between Free, Basic, and monitoring plans.
  • Free plan lets you access your Ring devices and receive notifications.
  • The basic plan costs $3 per month and includes a 60 day video history and snapshot capture.
  • Plus plan costs $10 per month and includes everything in the Basic plan, plus 24/7 professional monitoring, cellular backup, and an extended warranty period.
  • Ring allows you to customize your own system or choose from ready-made kits.
  • You can integrate Ring with Alexa and other compatible smart home devices to control your system with voice commands


  • Smart and wireless security system
  • No long-term contract is required
  • It has 30 day money-back guarantee
  • 1 year warranty is available with free plan


  • Professional monitoring plan costs extra
  • Basic plan may not cover requirements for most users

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5. Scout Security System

Scout Security System

Scout Security System is a modern and customizable DIY security system that works with Wi-Fi and cellular backup. It offers 24/7 professional monitoring, as well as self-monitoring options, for your home or apartment. You get to choose between various sensors and devices to build your own system and install them easily without any hardwiring. Scout also integrates with smart home platforms like Amazon Alexa and Google Assistant, allowing you to control your security system with voice commands. Scout offers many advanced services without any contract, allowing you to cancel or change your plan anytime without affecting your credit score.

Best Features

  • Installation simply requires plugging in the hub, connecting it to your Wi-Fi, and pairing the sensors and devices using the Scout app.
  • Self-monitoring costs $9.99 per month, and lets you receive alerts and notifications on your phone.
  • Professional monitoring costs $19.99 per month, and adds 24/7 police, fire, and medical dispatch.
  • The basic Essentials Pack, which includes a hub, a door panel, an access sensor, a motion sensor, and a yard sign, costs only $210.
  • You can add more sensors and devices, such as a camera, a video doorbell, a keypad, a glass break sensor, a water sensor, or a door lock to the system.
  • Scout works with Amazon Alexa and Google Assistant, allowing you to use voice commands to arm, disarm, or check the status of your system.


  • Elegant and stylish design with wireless connectivity
  • No contracts or any hidden charges
  • 60 day money-back guarantee
  • 3 year warranty


  • The initial investment is a bit expensive
  • Smart home integration options could have been better

6. ADT Security System

ADT Security System

ADT Security System is one of the leading providers of smart alarm systems that delivers Google Nest-powered accessories to ensure the best results. ADT Security System helps you safeguard your home from intruders and emergencies with its advanced technology and highly reliable service. You can customize your ADT Security System with different packages and devices that fit your lifestyle and budget. ADT Security System also integrates with Google’s smart home ecosystem such as Nest Thermostat, Nest Hub, and Smart Lock, to make your home more convenient.

Best Features

  • Installation is as simple as possible when it comes to security systems.
  • SMART Monitoring feature lets you verify or cancel an alarm with just a tap
  • Video Monitoring feature gives you access to live and recorded video from your security cameras.
  • The security packages range from $199 to $599 whereas the monitoring plans start from $24.99 to $59.99 per month.
  • Perfectly compatible option for the Google Nest Ecosystem
  • ADT provides a variety of equipment such as a command touchscreen, emergency button, flood detector, carbon monoxide detector, smoke detector, motion sensor, and door/window sensors.
  • Month-to-month and 36-month contract options are provided
  • A credit check is needed only for the 36-month contract option


  • Month-to-month contract option does not require a credit check
  • Trusted and professional brand for home security,
  • 6 month money-back guarantee
  • lifetime warranty


  • Contracts might be a deal-breaker for some buyers
  • Hardwired system
  • It also has cancellation fees

7. Arlo Security System

Arlo Security System

Arlo Security System is a smart home security system that offers dedicated wireless cameras, doorbells, lights, and sensors that you can monitor and control from one app. Arlo Security System provides advanced features such as 24/7 professional monitoring and emergency response, as well as award-winning design and technology to ensure ultimate reliability. It also lets you customize your system with different packages and devices that suit your home and lifestyle. Arlo also has a wide range when it comes to security appliances that cover the entirety of your security needs, and more.

Best Features

  • Arlo Security System is easy to install and does not require any hardwiring.
  • You also get live virtual assistance from Arlo experts if you need any help or support.
  • Arlo Secure gives you access to 24/7 professional monitoring, one-tap emergency response, intelligent alerts, and 30 days of cloud video storage.
  • Arlo Secure Plus gives you all the benefits of Arlo Secure, plus unlimited cloud video storage and advanced object detection.
  • The monitoring plans range from $9.99 up to $14.99 per month.
  • Compatible with the Google Smart Home ecosystem
  • Arlo equipment list includes a keypad sensor hub, AIO sensor, wireless camera, doorbell, and flood light.
  • It is free for any sort of contract, allowing you to cancel the service at any point.


  • No credit check is required at all
  • Completely wireless devices that are battery-powered
  • 30 day money-back guarantee
  • 1 year warranty


  • Money back guarantee period is shorter than a few other choices
  • Warranty period is short for this price point
  • Smart home compatibility could have been more versatile

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8. Canary Security System

Canary Security System

Canary Security System is a smart home security system that combines different security devices such as wireless cameras, sensors, and a central controlling hub to monitor and protect your home. Canary Security System can learn and adapt to your home over time and sends you alerts with HD video and audio to your phone based on your routine. You can also access 24/7 professional monitoring service and emergency response with a subscription plan. The strong suit of this service is its highly capable All-In-One sensor that can detect motion, water leakage, smoke, temperature, and even glass breaking.

Best Features

  • Both DIY and professional installation options are available.
  • Canary Secure plan gives you 24/7 professional monitoring along with one tap emergency response, intelligent alerts, and 30 days of cloud video storage.
  • Canary Secure Plus plan gives you all the benefits of Canary Secure with added benefits such as unlimited cloud video storage and advanced object detection.
  • It works with Amazon Alexa, Google Assistant, Amazon Echo smart home devices, and more.
  • It is a completely contract-free service
  • No credit score check is needed to get the system


  • Smart option with all-in-one sensor
  • DIY installation is very easy
  • 60 day money-back guarantee
  • 1 year warranty


  • Warranty period is much shorter than premium alternatives
  • DIY installation is not as simple as a few other choices
  • Sensors are expensive

9. Alder Security System

Alder Security System

Alder Security System is a somewhat modern solution for home security that combines the reliability of traditional systems with the convenience of cutting-edge technology. It offers a seamless blend of professional monitoring, protection against intrusions, and emergency response. While Alder’s security system is contract-based, it provides flexibility in terms of installation, equipment options, and smart home integration.

Best Features

  • The installation process is simple and can be completed in about 15 minutes.
  • The system uses cellular communication, making it immune to internet downtimes.
  • The estimated monthly monitoring cost ranges from $40 up to $553.
  • The base system, which includes a control panel and some sensors, is free with a three-year contract.
  • Alder’s basic package includes a touchscreen control panel, two sensors, and a motion sensor.
  • Alder does not perform any form of background checks, so your credit score will not be impacted.


  • Very simple and reliable security system
  • Monthly monitoring costs are pretty low
  • Lifetime warranty is offered for the equipment
  • 30 day money back guarantee


  • Additional equipment such as security cameras and extra sensors needs to be purchased separately.
  • Security camera integration is limited
  • Very lengthy contract period that must be agreed upon by the user

10. Vivint Security System

Vivint Security System

Vivint Security System is one of the most reliable security providers on the market that has been serving its users for more than 2 decades now with top-notch products and services. More importantly, it is one of the few security systems that has been nominated for the top 50 most innovative companies around the globe back in 2017 by Fast Company. This comprehensive home security solution leverages the power of the Internet of Things or IoT to increase the protection and privacy of your home. It uses a series of sensors, monitors, and cameras, all connected to a central hub, to check and safeguard all of the security aspects that need to be taken care of. The system is designed to be highly user-friendly and can be controlled via a smartphone app remotely.

Best Features

  • Professional installation service is performed by licensed and trained technician
  • Installation technicians also offer insights about optimal product placement for best results.
  • 2 different monitoring options are provided at $29.99 and $39.99 respectively.
  • Up to 60-months financing plans can be availed for the complete setup.
  • Apart from standard smart device integration, Vivint devices also support integration with other smart devices such as Philips Hue smart lighting, Kwikset smart locks, and Z-Wave.
  • There are more than 40 different products and accessories designed by Vivint that you can add to your security setup.
  • Month-to-month subscription service is available with purchased equipment.


  • One of the most capable security solutions is preferred for commercial use.
  • State-of-the-art gadgets and technologies are included with the system.
  • Seamless smart integration with smart devices
  • Customized packages and installation setups are provided


  • It requires users to sign-up for a 5-year contract
  • There is a credit score check needed which demands a credit score above 600
  • DIY installation is not possible

11. Frontpoint Security System

Frontpoint Security System

Frontpoint Security System is a leading provider of home security solutions, offering a blend of traditional security features with modern smart home capabilities. It uses a range of smart security devices that connect wirelessly to a hub, which raises an alarm if any of its sensors are triggered. The alarm signal is sent to you via the Frontpoint app and to a professional monitoring company for added assistance. Frontpoint’s system is designed to be user-friendly and easy to install, requiring no wires or screws at the time of installation. The initial upfront cost of the service is very low, and Frontpoint has transitioned from contract packages to a pay monthly model in recent years.

Best Features

  • Frontpoint offers a DIY installation option along with a helpful setup wizard in the mobile app.
  • Frontpoint supports 24/7 professional monitoring where the alarm signal is sent to you via the Frontpoint app and to a professional monitoring company separately.
  • Frontpoint’s equipment packages cost approximately $100 to $350.
  • The monthly monitoring subscription costs around $49 per month.
  • Frontpoint systems can be integrated into Yale smart locks, smart thermostats, and smart plugs.
  • It also integrates with Apple Home Kit, Google Assistant, and Amazon Alexa.
  • Frontpoint operates on a month-to-month basis


  • Highly sophisticated and flexible system
  • DIY installation is possible along with self-monitoring
  • 30 day money-back guarantee
  • 3 year warranty


  • Camera resolution is only HD 720p
  • Professional monitoring is somewhat expensive
  • Touchscreen panel needs to be purchased separately

12. Brink Security System

Brink Security System

Brinks Home Security is a renowned name in the security industry, offering a range of customizable home protection systems. They provide customers with the latest technology in safeguarding homes and businesses along with service plans that are best suited for their needs. Brinks also offers both DIY so avoid additional expenditure at the time of installation without affecting the warranty policy. With Brink, you will get a 30-day trial period to test the system so that you can gauge its capabilities fully before subscribing to any plan.

Best Features

  • Brinks offers DIY installation options supported with over-the-phone support available for assistance.
  • Brinks offers two monitoring options that are Home Complete and Home Complete With Video.
  • Both plans include professional monitoring, and mobile app controls.
  • The cost of a Brinks Home Security system can range from between $200 to $1,100 for the equipment, allowing you to choose the ideal system for your needs.
  • The Brinks IQ 2.0 Hub is capable of working with up to 119 smart home devices.
  • It works with Amazon Alexa, Siri, AppleTV, Z-Wave, and Google Assistant.


  • Offers both DIY and professional installation options.
  • Provides a range of customizable home protection systems.
  • Offers a 30-day trial period to test the system.
  • Highly capable central hub
  • 30 day money back guarantee
  • 2 year warranty on equipment


  • Requires a 36-month contract
  • Requires credit checks for available financing options
  • The initial cost is very high

Buying Guide For The Best Home Security Systems

Now that we have covered all of the best options available right now for a home security system, let us dive into some of the most critical factors that affect the sustainability of these systems. When you are choosing a home security system for the long-term, there are a handful of things that you need to be aware of before you make your final choice. The factors that we are covering in this guide may vary slightly for each system but have a significant impact on your overall user experience. And since you will be paying a hefty sum at the time of initial installation along with the added expense of subscription cost, you should carefully understand these core aspects of the security system and make a choice accordingly.

1. Installation

The installation procedure for a security system must be checked before you make a choice as it gives you an idea about how easy or difficult it is to set up and get it up and running. Some systems strictly require professional installation because of the advanced equipment and service integration, which may incur additional costs and time. But, it is necessary to ensure proper installation so that the warranty of this equipment will not be void at the time of installation. Alternatively, a lot of systems support or even encourage DIY installation, meaning you can install them yourself with little to no extra tools required and without any impact on the warranty. The installation factor affects the convenience and flexibility of the home security system greatly and you must choose an option that is convenient for you the most.

2. Monitoring Options and its Cost

The monitoring system is basically how the home security system communicates with the user as well as the authorities in case of an emergency. There are 2 types of monitoring services that you can avail which are self-monitoring and professional monitoring. Professional monitoring means a trained staff will monitor your system 24/7 and contact you or the police if an alarm is triggered or suspicious activity is detected. Other systems offer self-monitoring, which means you will receive notifications on your phone upon which you have to take action yourself. The cost of monitoring also varies depending on the type and level of service you choose. The self-monitoring feature is usually available for free whereas professional monitoring has a varying monthly fee for different providers.

3. Smart Home Integration

Smart home integration is also one of the crucial factors for security systems nowadays. It means that your system can work with other smart devices in your home, such as lights, thermostats, locks, cameras, speakers, etc. Some systems have built-in smart features, such as voice control, geofencing, or even facial recognition that work hand-in-hand with security systems. Other systems can connect with third-party smart platforms, such as Amazon Alexa, Google Assistant, or Apple HomeKit. The smart home integration factor also affects the functionality and overall convenience of the home security system.

4. Equipment Options

The complete set of gadgets and accessories that make up your security system is referred to as the equipment options. Some common equipment options for most security systems are sensors, detectors, cameras, control panels, keypads, alarms, and locks. Sensors and detectors can detect motion, door/window opening, glass breaking, smoke, carbon monoxide, water, etc. On the other hand, cameras can provide a real-time visual feed of your home. Control panels and keypads can allow you to arm or disarm the system, adjust settings, or access emergency buttons. Alarms are also crucial as they sound loud sirens or flashlights to alert nearby residents or scare away intruders.

5. Remote Control

You can access and control the home security system from anywhere using your smartphone if your system enables remote control for you. Some systems have dedicated mobile apps or web portals that let you view live or recorded video, receive alerts, adjust settings, or even arm or disarm the system. On top of that, there are a few smart options that can be controlled through voice commands or smart speakers for even easier access to the system.

6. Connectivity

This factor refers to how the home security system connects to the internet and to simultaneously other devices that you have integrated into the network. Some systems use wired connections, such as Ethernet cables or phone lines for a stable and reliable connection. Other systems use wireless connections, such as Wi-Fi, cellular, or Bluetooth for the added benefit of portability and to avoid problems caused by external factors such as loose contact wire-cuts. The connectivity factor affects the overall stability and security of the home security system greatly. Wired connections are considerably reliable but less flexible when it comes to relocation or adding new devices to your network.

7. Power

You should also pay attention to how the home security system is powered and how long it can last in case it is a cordless system. Some systems use direct AC power outlets for power, which means they need to be plugged into an outlet at all times. The AC power option for the security system is more surely more consistent, but not as flexible as the wireless option powered by batteries. Also, corded AC-powered security systems can have a downtime in case of a power outage. Nowadays, there are also some hybrid systems that use a combination of both or have backup options in case of a power outage.

8. Contract Length

A lot of security system providers require a contract that refers to how long you have to commit to using the home security system and its services once you are subscribed to the plan. While there are some options that can work with month-to-month or 3 to 6-month-long contracts, most of the advanced systems require you to sign a long-term contract. These long contracts can range from 1 to 5 years based on your service providers and included benefits. It is crucial to check the minimum contract length offered by the provider as you won’t be able to terminate the contract without impacting your credit history or incurring additional costs.

9. Warranty

Last but not least, you should always check the warranty period offered by the security system before you opt-in for a contract or a subscription plan. The warranty period contains various different terms regarding the included equipment as well as the services provided by the security systems. In most cases, the warranty period ranges between 2 to 3 years with premium options offering extended warranty periods with premium subscription plans which range up to 5 years, or longer. On the other hand, if you are going with an all-in-one service, you may even get a lifetime warranty period on the included accessories which is always the best option. However, such services are usually significantly more expensive, whether we are talking about initial investment or subscription plans. So, most of these services may not be ideal for basic needs such as apartment door security.

How to Cancel a Home Security Contract Without Penalties or Impacting Bad Credit?

There are many different terms that you have to sign at the time of installation. These terms later decide whether the termination of the service will affect your credit score or not. Therefore, it is important to carefully assess the terms of the contract before you begin your subscription-based security service. Also, checking the details of the contract beforehand also ensures that you won’t need to terminate the contract abruptly later on. Here are some factors that may affect the credit score:

  • If you cancel your home security contract within the trial period or before the contract term begins, your credit score will not be affected. But, terminating the contract even a few days after the trial period has ended may impact your credit score.
  • If you fail to notify the company about the service cancellation and follow proper cancellation procedure, the service may be automatically renewed for another term, and you may have to pay for the service that you don’t use. It also impacts your credit score if you do not pay the service provider for the said extended service period.
  • If you cancel your home security contract due to a valid reason, such as relocation, selling your house, or experiencing financial hardship, you can negotiate with the company and avoid the cancellation fee, or transfer your service to another location. This can help you save money and as well as protect your credit score as it avoids the termination of the contract.

Here’s how you can cancel a home security contract without any penalties or affecting your credit score at all :

1. The very first thing that you should do is review your home security contract carefully.

2. While doing so, look for the detailed terms and conditions of your contract, including aspects such as the duration, the cancellation fees, the renewal clauses, and the cancellation methods.

3. You may also want to consult a lawyer if you are unsure about your legal rights and obligations regarding the contract terms or feel that the contract is not working out in your favour before cancellation.

4. After that, you can contact your home security provider and inform them of your intention to cancel.

5. You can do this either by calling their customer service directly or by sending them an email. Here, you need to explain your reason for cancellation and provide any supporting documents, such as your proof of relocation.

6. If the cancellation is causing you to break the contract terms, you can also attempt to negotiate with your home security provider. With that, you may be able to reduce or completely waive off the cancellation fees. Some security services also allow you to transfer your contract to someone else, or switch to a different plan or service without breaking the contract.

7. Once you have cancelled the service, you should ask for a confirmation of cancellation, preferably a hard copy or a soft copy over email.

8. Once the cancellation procedure is complete, follow up with your home security provider and check your credit report after a few weeks.

9. If you notice any errors with your report, you can raise a dispute with the security system, or credit bureaus directly with the proof of cancellation.

In any case, you should always read the terms of your home security contract carefully, and understand the cancellation policy and procedure before proceeding. You should also contact the company as soon as possible and explain your situation before you opt for cancellation to avoid any unpredictable impact on your credit score. Also, it would be wise to keep a record of your communication and confirmation and check your credit report regularly as a preventative measure.

Home Security Systems for People With Poor Credit – FAQs

1. Does Vivint’s security system require a high credit score?

Ans: Vivin’t is one of the most premium and high-end options that you can find right now for a security system. As a result, you can expect the best experience with Vivian’s security system, whether it is professional monitoring, the quality of surveillance, or the accessibility. However, it also means that Vivint’s security system must be preferred if you have a long-term need for such a service. Vivint requires its subscribers to enter a minimum 5-year contract. And since the contract is considerably longer than other options, Vivint also requires a background check where the subscriber’s credit score must be above 600 to be eligible for the service.

2. Are home security systems without credit checks expensive?

Ans: Home security systems without credit checks are not necessarily expensive. But in most cases, these services require you to pay the full price of the equipment at the time of installation which might range between $80 to $500, or even higher based on the service you are choosing and the equipment needed for it. Thankfully, you can also go with basic alternatives such as a video doorbell camera, surveillance camera, or a smart security hub that are free of any long-term contract and do not require any credit score as an affordable alternative.

3. Do no credit check security systems require uninterrupted internet access?

Ans: If you are going for a security system that is offered without any credit check, there is a good chance that you might need a stable and continuous internet connection to be able to use the service. As these services are not designed with any long-term agreement in mind, there is usually a 3rd party service involved for cloud storage, or you may not get such a benefit to begin with. Also, such services usually do not offer professional monitoring, meaning you will have to rely on self-monitoring for alerts and emergencies.

4. Does ADT’s security system require a high credit score?

Ans: Yes, ADT is also one of the service providers that run a background check before offering you a contract for its security services. However, ADT generally does not refuse to offer the service even if your credit score turns out to be lower than average. Instead, ADT ensures you get the best plan based on your previous finances and repayment history which also benefits you in the long term.


A lot of security system providers use credit scores as an eligibility criteria that impacts their subscription plans and premium amounts. As a higher credit score is often associated with financial reliability, it leads to more favourable terms and benefits and also offers assurance to the provider for a long-term contract. But, while credit checks are common, not all providers prioritize them and there are many alternative options that may be available for individuals with lower credit scores. In this guide, you can find all the relevant information about this matter along with our suggestions for the best home security systems that you can prefer if you have a low credit score. We have tried to cover the most efficient and inclusive security systems that can offer you all of the essential features so that you don’t miss out on any parameter that is crucial in your case. You can also choose to go with one of our top choices from this list.

  • Our top recommendation is the Simplisafe Security System as this is a low-cost, DIY home security system with both professionally monitored and self-monitored options. SimpliSafe’s monitoring plans are affordable, starting at almost a dollar per day, and now also include 2-way audio and emergency services. You will be offered a 60 day testing period to fully test out the system before you can opt-in for a subscription plan and also wide support for many additional accessories and smart home ecosystems. More importantly, SimpliSafe does not make you abide by any contract, meaning you can cancel the service at any point without affecting your credit score.

  • Abode Security System is another DIY home security system that offers no credit check and no contract options. abode’s equipment packages are highly customizable and can integrate with smart home devices from other brands. Even though it is based on a month-to-month subscription service, abode offers professional monitoring as well as self-monitoring options. You also get cellular service as a backup for connectivity in case your internet connectivity is not reliable. You can pair abode security devices with a wide range of smart systems based on Z-wave, Zigbee, and even IFTTT for a customized smart home network.

  • Lastly, we will suggest the Ring Security System which is a wireless home security system that works with Ring’s popular video doorbells and camera options. Ring Alarm Security Kit is very easy to set up and use and it is also available without any credit check or contract whatsoever. And still, you can use this Alexa-powered smart home security system along with the user-friendly Ring mobile app for remote access. This is also a relatively affordable option compared to the majority of security systems that you can find on the market, especially when it comes to options that can be availed without a credit check.  

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