Vivint Financing: Flex Pay Terms, Credit Check and No-Contract Option
Vivint Flex Pay is the equipment financing program that spreads Vivint equipment over 12 to 60 months at 0% APR, subject to credit approval, while monitoring is billed separately each month. This page lists the 4 published 0% terms, explains when a credit check happens, compares financing with paying upfront, and states what happens to financing if you cancel or move.
Prices and terms verified October 7, 2026. Vivint sets all prices; dealer promotions are listed separately.
What Are the Vivint Flex Pay 0% APR Terms?
Vivint Flex Pay offers 4 published 0% APR terms by order size: 12 months for orders of $299 or more, 18 months for $599 or more, 24 months for $999 or more, and 36 months for $1,499 or more, with terms up to 60 months available on larger systems.
| Term | Minimum order | Example: $449.98 system |
|---|---|---|
| 12 months | $299 | $37.50/mo |
| 18 months | $599 | Order below minimum |
| 24 months | $999 | Order below minimum |
| 36 months | $1,499 | Order below minimum |
| 60 months | Larger systems, on approval | $7.50/mo |
0% APR means the financed total equals the retail price; there is no financing charge when payments are made on schedule.
Does Vivint Run a Credit Check?
Yes, Vivint runs a credit check when you finance equipment through Flex Pay, because the financing is a consumer loan; no credit check is required when you pay for equipment upfront, and checking eligibility before applying does not affect your score.
Customers declined for financing can still buy a Vivint system by paying the equipment upfront and taking the no-contract monitoring rate.
Is It Cheaper to Finance Vivint or Pay Upfront?
Paying upfront is cheaper over time because monitoring drops from $24.99 to $29.99 per month only with a contract; financing costs nothing in interest at 0% APR but requires the 36-month agreement, and the no-contract route adds a $199 installation fee.
| Route | Equipment | Installation | Monitoring (36 mo) | Total |
|---|---|---|---|---|
| Finance at 0% + agreement | $199.99 | Included | $899.64 | $1099.63 |
| Pay upfront, no contract | $199.99 | $199 | $1079.64 | $1478.63 |
The agreement route is $379.00 cheaper over 36 months on this system; the no-contract route is cheaper only if you expect to cancel before the term ends, because early cancellation on an agreement charges the remaining balance.
What Happens to Vivint Financing If You Cancel or Move?
If you cancel, the Flex Pay balance remains due because the equipment is yours; if you move, the financing continues unchanged and Vivint charges $149 to remove and $149 to reinstall the system, waived for military members deployed 90 days or longer.
The Vivint contract page lists the rescission window, early termination rules, and the transfer option that lets a buyer of your home take over the agreement.
Frequently Asked Questions
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