Vivint Buyout and Cancellation: Contract Payoff, the Switch Reimbursement, and Penalty-Free Exits

By the Home Security Systems & Alarms editorial team · Research-based (no hands-on testing) - see how we evaluate · Last updated September 29, 2026

Cancelling Vivint has two distinct parts, and most of the frustration comes from mixing them up. The first part is the service contract: you cancel by calling Vivint at 1-800-678-2635, the number on its own cancellation policy page, after which Vivint sends you a Notice of Cancellation to sign and return, with at least 30 days' notice before your cancellation date. The second part is the money. Vivint's cancellation policy says a cancellation "may be subject to early termination or other fees as outlined in the Vivint service agreement", so the fee is whatever your own agreement says rather than a published flat amount or percentage like ADT's. If you are still inside your term you generally owe the remaining balance on your agreement - and at minimum the remaining balance on any financed equipment. On financing that Vivint's own financing page describes as spreading equipment costs over 36 to 60 months, that number can be substantial. This guide walks through the exact steps, what the payoff arithmetic actually looks like, and every documented way to leave without paying it.

Vivint early termination fee and cancellation fee: what Vivint's policy says

Does Vivint have an early termination fee? Yes, in the sense that matters. Vivint's support page on cancellation, read September 29, 2026, says service cancellation requests "may be subject to early termination or other fees as outlined in the Vivint service agreement", and points customers to the Documents section of their Account Center to find that agreement. What Vivint does not do is publish the amount. There is no flat cancellation fee and no public formula of the kind ADT uses, so the only reliable figure is the one in your own agreement.

Is the cancellation fee the same as the equipment balance? No, and keeping them apart is most of the job. The same policy page says customers with equipment financing "will still be responsible for resolving any outstanding balance per the terms of their third-party financing agreement". Vivint's financing page states that equipment payments are billed by the financing partner and monitoring is billed separately by Vivint. So a mid-term exit can involve two separate amounts: an early termination or other fee under the Vivint service agreement, and the remaining equipment loan under the financing agreement. The payoff arithmetic below shows how to work out the second one yourself.

Can you cancel Vivint before paying off the equipment? Yes. Cancelling the monitoring service and paying off the equipment are separate steps under separate agreements, and you can take the first without having finished the second. Cancelling does not make the loan go away, though: the remaining balance is still owed to the financing partner on that agreement's terms. Vivint's financing page says you can pay off financed equipment "at any time with no penalties", so settling it early costs nothing extra. The reverse also holds: paying the equipment off does not by itself end a monitoring term you signed.

Can the fee be waived? Sometimes. Vivint's policy names a death, bankruptcy, a move to assisted living and other extenuating circumstances as grounds for review by its Exceptions Review Team, case by case and with documentation, and it adds a specific exception: customers aged 65 or older who cancel because of a medical condition or a move to a care facility "may be eligible to cancel without an Early Termination Fee (ETF)". The full list is in the documented penalty-free exits below.

Why Vivint cancellation works differently

Most Vivint customers do not just buy monitoring; they finance the equipment through a payment plan. Vivint's own how-to-buy page, read August 29, 2026, publishes two different maximums on the same URL: the pricing section offers "terms up to 36 months at 0% interest", with 36 months reached at orders of $1,499 and above and 24, 18 and 12-month tiers below that plus a "Pay in 4" option on any order, while the "Financing Options" paragraph in the offer terms lower down says "Qualified customers may finance at 0% APR for up to 60 months, with terms varying by offer". Correction, September 22, 2026: we previously reported that a September 14 re-read found neither sentence on that page. That was too strong, and the more precise finding is more useful. Both sentences are still in the how-to-buy page. They sit inside pop-up panels the page does not display by default - the ladder in a financing modal, the 60-month ceiling in the offer-terms modal - so the page a shopper reads without opening anything shows only "Equipment starts at $199.99" and "Vivint Monitoring starts at $24.99/mo". Meanwhile Vivint's separate financing page, read September 22, 2026, states the range in plain visible text: "Financing lets you spread equipment costs over 36 to 60 months." Read your own agreement rather than any of these figures, because all of them are Vivint's, only one of them is on your paperwork, and what a marketing page says this month has no bearing on the term you signed. The monthly bill bundles two things: the equipment loan and the monitoring service. That structure is why there is no simple percentage-based termination fee. When you cancel, Vivint's position is that the equipment loan still has to be paid, and depending on your contract version, some or all of the remaining monitoring charges may be owed too.

One consequence worth knowing before you sign anything new: if you pay for equipment upfront, Vivint does not require a long-term contract at all. Vivint's own financing page now says as much, describing an upfront purchase as month-to-month with no long-term commitment and financing as spreading equipment costs over 36 to 60 months, which is the trade our guide to no money down home security takes apart before you sign rather than after. And paying off your equipment early does not necessarily end a service term you already agreed to - the contract can still run to its end date. For how these bundled contracts compare across the industry, start with our cornerstone guide to security system costs, contracts, and cancellation.

How to cancel Vivint, step by step

1. Find your agreement first. You want your service number, contract start date, term length, monthly rate, and remaining equipment balance (visible in the Vivint app or your online account). This lets you check Vivint's payoff math instead of taking a number on faith.
2. Call 1-800-678-2635. This is the number Vivint's cancellation policy page gives for cancelling (read September 29, 2026). Vivint's general support line, (800) 216-5232, appears on the same page, and some third-party guides route cancellations through its ext. 5020. Say plainly: "I want to cancel my service. Please confirm my remaining balance and email my Notice of Cancellation." Expect a retention pitch - a lower rate, free equipment, or a promotion in exchange for staying (sometimes in exchange for a new term; ask before accepting).
3. Ask for the exact payoff figure, itemized. Have the agent separate the remaining equipment balance from any remaining monitoring charges, and state which of the two you are being asked to pay. Get it in writing. Work the equipment half out yourself first: it is fixed arithmetic at 0% APR, so a figure that does not match is worth querying, and the monitoring half is the only part anyone at Vivint can move.
4. Sign and return the Notice of Cancellation. Vivint processes cancellations on a signed written notice, which the agent typically emails. Include (or verify it includes) the date, your service number, your intent to cancel, a brief reason, and your signature. Written notice can also go by mail or fax.
5. Give 30 days' notice. Vivint asks for at least 30 days before your cancellation date, so expect one more billing cycle rather than same-day shutoff.
6. Watch your next two statements to confirm billing stopped, and keep the signed notice and any confirmation emails until it does.

What you will actually owe

There is no single published number, and reports from documented customer cases differ, so treat this as the honest range rather than a quote:

Because the answer genuinely varies by the contract generation you signed, the single most useful thing you can do is make the agent read your own agreement's cancellation clause back to you, then confirm the itemized figure in writing before you decide between paying it, transferring, or waiting out the term. To compare what staying versus switching really costs over time, run both scenarios through our five-year cost calculator.

The payoff arithmetic, worked out

Vivint does not publish a buyout calculator, and the figure an agent reads you over the phone is easier to check than to challenge. But the equipment half of that figure is arithmetic you can do yourself before you call, because Vivint publishes both halves of the sum: the package prices and the financing terms.

Three things Vivint states in its own words make the equipment side unusually predictable. Its financing page, read September 22, 2026, says "Equipment payments billed by financing partner. Monitoring service billed separately by Vivint." The offer terms on its how-to-buy page say "Financing requires a separate agreement with the financing partner." And the financing page's own question "Can I pay off my equipment early?" is answered: "Absolutely. You can pay off your financed equipment at any time with no penalties." Put together: at 0% APR with no prepayment penalty, the payoff on financed equipment is simply the principal you have not yet paid. There is no interest rebate to argue about and no early-payoff premium to negotiate.

Vivint's published financing ladder, read in the how-to-buy financing panel on September 22, 2026, sets the longest term by order size: "Pay in 4" on any order, 12 months at 0% from $299, 18 months from $599, 24 months from $999, and 36 months from $1,499. Applying that ladder to the three package prices Vivint publishes in its own pricing article gives the following. These are our calculations from Vivint's published figures, not quotes from Vivint, and Vivint builds custom systems, so your principal and your term will differ.

The method is one line: at 0% APR, payment = principal divided by term, and payoff = payment multiplied by the number of payments remaining. Vivint's pricing article publishes the same packages as four payments of $162.50, $249.99 and $387.49 respectively, which is the "Pay in 4" option rather than the ladder, and which leaves nothing outstanding after four months.

The number that surprises people is in the last row. Stretching the same $1,549.97 from 36 months to the 60-month ceiling drops the payment by about $17 a month and leaves you owing about $930 at the two-year mark instead of about $517. A longer term at 0% costs no interest, but it does leave a larger balance standing at any date you might want to walk away. If you are financed over 60 months and your monitoring agreement runs 36 - which is the term Vivint attaches to its discounted $24.99 HomeProtect monitoring rate - the loan outlives the service by two years, and ending the service does not end it. We have not seen Vivint publish how often those two terms are written to different lengths, so treat this as the arithmetic of the terms it publishes rather than a claim about a typical customer.

What this changes about the phone call: the equipment balance is not the part to argue about, because it is a separate agreement with a lender and the arithmetic is fixed. The genuinely variable part is the monitoring remainder, which is Vivint's own to waive, reduce or insist on, and which is where the customer reports of negotiated reductions sit. That is why step three above asks for the two figures itemized rather than a single total. If the agent gives you one number, you cannot tell which half you are being asked to pay, and only one half is negotiable. Before you finance anything new, our guide to what no money down home security actually costs runs the same multiplication on the offer in front of you, and what alarm monitoring costs per month across every provider we track shows what the monitoring half is worth on the open market before you agree to keep paying it.

The other Vivint buyout: the reimbursement for leaving another company

Search "Vivint buyout" and roughly half the people doing it mean the opposite of everything above. They are not leaving Vivint. They are leaving somebody else, a salesperson has told them Vivint will cover the exit fee, and they want to know whether that is real.

It is real, it is a formally documented promotion rather than a salesperson's improvisation, and it has its own website. The Vivint Alarm System Buyout Promotion is sponsored by Vivint Inc. of Provo, Utah, and fulfilled by a separate company, Trencent, LLC, trading as Elite Fulfillment Group. Its published terms describe reimbursing "the amount of the early termination fee associated with terminating their existing alarm system monitoring agreement with another residential alarm system company," capped at $1,000.

That is worth stating plainly because several consumer sites still say flatly that Vivint does not buy out contracts from any company. Vivint's own promotion terms describe exactly that, so treat the blanket denial as out of date. What is true is the more specific and more useful point: Vivint does not pay your old provider. You do, first, out of your own money, and then you apply to be paid back.

How the reimbursement actually works

Support for the promotion runs separately from Vivint's main customer service: 888-521-4919 (Monday to Friday 9am to 9pm Eastern, Saturday 10am to 6pm Eastern) or help@vivintbuyout.com. You will need your Vivint account number, which the FAQ says begins with "A-" followed by eight digits and appears on your Vivint agreement.

What it means if you are leaving ADT

"Will Vivint buy out my ADT contract" is one of the most common versions of this question, and the terms are provider-neutral: any "other residential alarm system company" counts, so ADT qualifies, and so do the rest. But two things follow from the structure above that a sales conversation is unlikely to dwell on.

First, you have to be able to front the money. ADT's termination charge is calculated as a percentage of your remaining monthly charges rather than a flat fee, so on a long remaining term it can land well above the $1,000 ceiling, and whatever it is, it comes out of your account before any card arrives. Our guide to cancelling ADT without the termination fee works through that arithmetic and the exits that avoid it.

Second, the reimbursement is a one-off and the agreement it buys is not. A financed Vivint purchase runs on a term Vivint's own how-to-buy page states two ways: up to 36 months in its published financing ladder, and up to 60 months in the offer terms on the same page (both read 2026-08-29). The monitoring agreement is separate from either. Setting a capped, card-based, revocable $1,000 against two commitments of that size is a different sum from setting it against the fee it cancels. That is not an argument against taking the offer - free money to leave a contract you already wanted out of is a real benefit, and the program pays out. It is an argument for pricing the whole term rather than the fee. Put both providers' full terms into our five-year cost calculator before you sign, and if the thing you actually want is out of long contracts altogether, our comparison of no-contract security systems covers month-to-month options where the question never arises.

Before you accept a buyout offer, ask these four things

• "Is this the documented Vivint buyout promotion, or you personally?" The formal program runs through vivintbuyout.com with written terms. Anything offered outside it is a private arrangement with a salesperson, with none of those protections.
• "Will you email me so my claim can be opened?" Accepting the offer from an authorized representative and supplying your email is step one in the terms. Without it, there is nothing to submit.
• "What is my exact termination fee with my current provider?" Get it from that provider in writing before you cancel, so you know whether it clears or exceeds the $1,000 cap.
• "What happens to the card if I cancel Vivint?" The published answer is that it is rescinded within the first 60 days, and that a cancelled account cancels the remaining funds. Better to hear that now than after installation.

Keep copies of your old agreement and your payment receipt before you upload them, since the terms state the originals you submit become Vivint's property and are not returned. And diarise the 60-day deadline on the day the installer leaves, because that clock starts at installation rather than at signature.

The documented penalty-free exits

Vivint's contract and public statements recognize several situations where the payoff is waived. All of them go through Vivint's Exceptions Review Team, all are case-by-case, and all require documentation - so gather the paperwork before you call.

1. The three-day rescission window (right after installation)

Vivint's agreement includes a three-day right to cancel after installation. This mirrors the FTC's Cooling-Off Rule, which gives you until midnight of the third business day to cancel most sales of $25 or more made at your home (Saturday counts as a business day; Sunday and federal holidays do not). The seller is required to tell you about this right and give you two copies of a cancellation form at signing. It is strictly a buyer's-remorse window - it does not help months later.

2. Vivint's listed extenuating circumstances

Vivint publicly lists circumstances it will consider for a fee-free release:

• Death of the account holder (family members can request the waiver).
• Bankruptcy, with records to show the Exceptions Review Team.
• Transition to an assisted living or retirement home.
• Age 65 or older, cancelling for a medical condition or a move to a care facility: Vivint's policy page lists this as its own exception and says these customers "may be eligible to cancel without an Early Termination Fee (ETF)". "May be eligible" is Vivint's wording, so expect documentation to be requested.
• Military circumstances: deployment of six months or more, permanent change of station (PCS) orders, medical discharge, or military retirement. Active-duty service members also have Servicemembers Civil Relief Act (SCRA) protections; Vivint's dedicated Military Support line is 1-855-368-8568, and its military program allows payment deferral of up to 12 months during a temporary assignment.

3. A qualified takeover (often the cleanest mid-term exit)

If a friend, family member, or the buyer of your home qualifies and agrees to take over your agreement, Vivint will transfer it into their name, and you stop owing anything going forward. Expect a transfer fee of about $99, and note that any equipment financing must be paid off before the transfer - but the remaining monitoring term moves to the new person rather than being owed by you. Vivint's Customer Loyalty team handles this at 1-800-216-5232, ext. 5025. If you are selling your house, an installed smart-home system the buyer takes over can be a genuine selling perk.

Moving? That is a transfer, not a cancellation

Moving does not end a Vivint contract, and Vivint services most of the United States, so "I'm moving" alone will not qualify for a waiver. The standard path is Vivint's moving program: Move Specialists coordinate taking your system to the new address, with a moving fee that starts around $149 and options ranging from full technician reinstallation to moving the equipment yourself. Contact them about two weeks before the move. Vivint does not offer service outside the country, which is worth raising with the Exceptions Review Team if an international move is forcing your hand.

What happens to your equipment after cancelling

Once paid off, the hardware is yours. What it can still do without Vivint service surprises people in both directions:

• Still works: the panel arms and disarms locally, and the siren still sounds. Basic local operation does not require a subscription.
• Stops working: app control, remote access, camera cloud features, and of course professional monitoring - nobody is called when the alarm goes off.
• Mostly locked in: Vivint's panel and cameras generally cannot be monitored by other companies. Some standard wireless door and window sensors can be reused with compatible systems, so do not bin everything on day one.

We now cover this piece by piece, panel generation by panel generation, in our guide to using Vivint equipment without Vivint service: which sensors can move to another panel, why the Z-Wave locks and thermostat carry on, and why the cameras do not. If you need replacement cameras and do not want another plan, our comparison of cameras that record without a subscription lists which brands store video locally and what each one charges if you ever want cloud on top.

If self-monitoring your paid-off hardware sounds like enough protection, read our honest breakdown of security systems with no monthly fee and what you give up before you decide - the gaps (no cellular backup, nobody calling 911) matter more for some households than others.

One piece of history worth knowing

If you are researching a cancellation because you suspect your original signup was not entirely above board, you are not imagining that this has happened. In 2021 Vivint paid $20 million to settle FTC charges that some sales representatives misused consumer credit reports to qualify customers for financing, including using an unrelated person's credit history or adding cosigners without permission; the FTC sent redress checks to affected consumers in 2024. That case involved specific practices and does not describe your contract, but it is a good reminder to pull your own credit report if anything about your financing paperwork looks unfamiliar, and to dispute anything you did not authorize.

Before you call: a short checklist

• Know your numbers: service number, start date, term length, monthly rate, and remaining equipment balance from your Vivint account.
• Check the exits first: within three business days of an at-home signing, a qualifying military situation, bankruptcy, an assisted-living move, age 65+ with a medical or care-facility reason, or someone willing to take over the agreement.
• Decide your goal in advance: a cheaper bill (retention will offer one) or fully out. Ask whether any retention offer restarts or extends your term before accepting.
• Get the payoff itemized in writing: equipment balance versus remaining service charges, stated separately.
• If a competitor is offering to cover your exit fee, read how that kind of buyout is actually paid first. Vivint's version reimburses you on a card after you pay, not before, and other providers structure theirs differently.
• Line up your replacement before the 30-day notice period ends so you are not without coverage. Whatever you choose next, our free home security checklist covers the low-cost basics that protect your home regardless of which system, or no system, you run.

The bottom line: a valid in-term Vivint agreement usually costs real money to exit early, and the amount depends on paperwork most people have not looked at since installation day. Read your agreement's cancellation clause, make Vivint itemize the payoff, check whether one of the documented waivers fits your situation, and compare the payoff against simply riding out the remaining months. An informed call beats an angry one, and it is frequently several hundred dollars cheaper.

Common questions

Does Vivint charge an early termination fee?

It can. Vivint's cancellation policy says cancelling service may be subject to early termination or other fees as outlined in your Vivint service agreement, which you can find in the Documents section of your Account Center. Vivint does not publish a flat fee or a formula, so the amount depends on the agreement you signed. Separately, any financed equipment balance is still owed to the third-party financing partner. Ask Vivint to state both figures in writing.

Can you cancel Vivint before paying off the equipment?

Yes. The monitoring service and the equipment financing are separate agreements: Vivint bills monitoring, and a third-party financing partner bills the equipment. You can cancel the service before the equipment is paid off, but the remaining equipment balance is still owed under the financing agreement. Vivint's financing page says you can pay off financed equipment at any time with no penalties.

How do I work out my Vivint equipment payoff before I call?

Vivint's financing is published at 0% APR, and its own financing page states you can pay off financed equipment at any time with no penalties, so the payoff on the equipment is simply the principal you have not yet paid: the monthly equipment payment multiplied by the number of payments remaining. Vivint's published ladder sets the longest term by order size (12 months from $299, 18 from $599, 24 from $999, 36 from $1,499), with the offer terms allowing up to 60 months. Using Vivint's own package prices, a $1,549.97 system financed over 36 months works out at about $43.05 a month and leaves about $1,033 owing after a year. The equipment balance is billed by a separate financing partner and is fixed arithmetic; the monitoring remainder is the part Vivint itself can vary, which is why you should ask for the two figures itemized rather than one total.

Can I cancel Vivint without paying anything?

In limited cases, yes. Vivint's documented penalty-free exits include cancelling within the three-day rescission window after installation, death of the account holder, bankruptcy, a move to an assisted living facility, customers aged 65 or older cancelling because of a medical condition or a move to a care facility, qualifying military circumstances such as a deployment of six months or more, PCS orders, medical discharge or retirement, and a qualified person taking over your agreement. Each requires documentation and review by Vivint's Exceptions Review Team, and a financed equipment balance may still be owed to the financing partner.

What number do I call to cancel Vivint?

Vivint's cancellation policy page says to call the Vivint Customer Service Team at 1-800-678-2635. Vivint then processes the cancellation on a signed Notice of Cancellation and asks for at least 30 days' notice.

What happens to my Vivint equipment after I cancel?

Equipment you have paid off is yours to keep. The panel can still arm and disarm locally and sound its siren, but app control and professional monitoring stop when service ends. Vivint panels and cameras generally do not work with other monitoring companies, though some standard wireless door and window sensors can be reused.

Does moving cancel my Vivint contract?

No. Moving does not end the contract. Vivint's standard path is to move your service to the new address through its moving program, with a moving fee that starts around $149. If you do not want to take Vivint with you, the usual options are a qualified takeover of your agreement or paying off the remaining balance.

Does Vivint buy out my ADT contract if I switch?

Not directly. Vivint runs a formal Vivint Alarm System Buyout Promotion that reimburses you for the early termination fee you pay to another residential alarm company, capped at $1,000. The published terms are provider-neutral, so ADT qualifies, but you must pay ADT yourself first and upload proof of payment. Vivint does not pay your old provider on your behalf, and the reimbursement arrives as a mailed debit card rather than cash.

How much is the Vivint buyout reimbursement, and how is it paid?

The promotion terms cap the reimbursement at $1,000. It is loaded onto a debit card and mailed to the address you provide. Vivint's FAQ states the card is accepted anywhere Visa or Mastercard is accepted but cannot be used for ATM cash withdrawals or bank deposits, and that the funds are only available for six months.

How long do I have to claim the Vivint buyout?

The terms require you to complete the submission at least four days and no more than sixty days after the date your Vivint system was installed. You must also have accepted a buyout offer from an authorized Vivint sales representative, and upload both your agreement with the previous company and proof that you paid its termination fee.

Sources

• Vivint Support - Policy - Cancellation, re-read: cancellation number 1-800-678-2635; cancellation "may be subject to early termination or other fees as outlined in the Vivint service agreement"; financed customers "will still be responsible for resolving any outstanding balance per the terms of their third-party financing agreement"; Exceptions Review Team; 65+ Medical or Care Facility Exception "may be eligible to cancel without an Early Termination Fee (ETF)" (accessed 2026-09-29)
• Vivint Alarm System Buyout Promotion - Terms and Conditions (official promotion terms): sponsorship by Vivint Inc. and fulfilment by Trencent, LLC d/b/a Elite Fulfillment Group, $1,000 cap, eligibility requirement to pay and terminate the prior agreement yourself, the 4-to-60-day claim window, the authorized-representative offer precondition, debit-card fulfilment in 8-10 days, rescission on cancellation or 30-day delinquency, non-transferability, sole-discretion eligibility, and submitted documents becoming Vivint property (accessed 2026-08-14)
• Vivint Buyout - Frequently Asked Questions (official): definition of the buyout as a reimbursement, 60-day redemption limit, $1,000 reimbursement cap, 10-14 business day processing and shipping, prepaid card usable where Visa/Mastercard is accepted but not for ATM withdrawal or bank deposit, six-month funds availability, cancellation of card and funds if the Vivint account is cancelled, repayment condition, Elite Fulfillment Group data handling, and program contact details (accessed 2026-08-14)
• Vivint Support - Cancellation Policy (official policy page) (accessed 2026-07-15)
• SafeWise - How to Cancel Your Vivint Contract: cancellation phone extension, remaining-balance payoff, extenuating circumstances, transfer fee, military deferral (accessed 2026-07-15)
• SafeHome.org - Vivint Contract Length, Cancellation Policy, Terms & Renewals (updated July 7, 2026): 42-60 month terms, Notice of Cancellation contents, 30-day notice, penalty-free exceptions, moving fee (accessed 2026-07-15)
• YourHomeSecurityExpert - How to Cancel Vivint: NOC signing process, equipment payoff, local operation after cancellation (accessed 2026-07-15)
• FTC - Cooling-Off Rule, 16 CFR Part 429 (three-business-day cancellation right for at-home sales) (accessed 2026-07-15)
• FTC - Vivint to Pay $20 Million to Settle Charges It Misused Consumer Credit Reports (April 2021) (accessed 2026-07-15)
• FTC - Payments Sent to Consumers Harmed by Vivint's Misuse of Credit Reports (December 2024) (accessed 2026-07-15)
• Vivint - How to Buy, financing section read after the page was rebuilt: "We offer flexible financing options based on your order size, with terms up to 36 months at 0% interest", with tiers of Pay in 4 on any order, 12 months at 0% from $299, 18 months from $599, 24 months from $999 and 36 months from $1,499 (accessed 2026-08-22)
• Vivint - How to Buy, whole-page re-read including the offer terms block, which the August 22 read did not quote: "Financing for equipment purchases is subject to credit approval by one of Vivint's third-party financing partners. Qualified customers may finance at 0% APR for up to 60 months, with terms varying by offer. Financing requires a separate agreement with the financing partner. Month-to-month service agreements are available when equipment is purchased upfront." The ladder in the pricing section of the same page tops out at 36 months (accessed 2026-08-29)
• Vivint - Flexible Home Security Financing, visible page text: "Financing option: Spread equipment costs over 36-60 months with available financing", "Payment structure: Equipment payments billed by financing partner. Monitoring service billed separately by Vivint", "Buy now, pay over time. Up to 36 months at 0% APR* *Not all customers will qualify", and in the question list: "Can I pay off my equipment early? Absolutely. You can pay off your financed equipment at any time with no penalties" and "Financing lets you spread equipment costs over 36 to 60 months and can lower what you pay upfront. Some plans may require a down payment" (accessed 2026-09-22)
• Vivint - How to Buy, re-read including the pop-up panels: the visible page carries only "Equipment starts at $199.99" and "Vivint Monitoring starts at $24.99/mo", while the financing panel still carries "We offer flexible financing options based on your order size, with terms up to 36 months at 0% interest" above the ladder (Pay in 4 on any order, 12 months at 0% from $299, 18 from $599, 24 from $999, 36 from $1,499) and the offer-terms panel still carries "Qualified customers may finance at 0% APR for up to 60 months, with terms varying by offer. Financing requires a separate agreement with the financing partner. Month-to-month service agreements are available when equipment is purchased upfront." Both panels are present in the page and hidden until opened (accessed 2026-09-22)
• Vivint - Vivint Monthly Pricing: Real System Costs Broken Down, package prices used for the payoff table, re-read and unchanged: Security Starter Package $649.99 upfront or "4 payments of $162.50 with 0% APR" with monitoring "approximately $49/month"; Doorbell Security Package $999.98 or four payments of $249.99, about $54/month; Safety & Security Package $1,549.97 or four payments of $387.49, about $59/month; HomeProtect $199.99 with free professional installation and a reduced $24.99 monthly monitoring fee on a 36-month agreement, or $349.99 with no long-term contract, $29.99 monthly monitoring and professional installation an additional $199; page stamped "Last updated September 2026" (accessed 2026-09-22)