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Vivint Cancellation Fee: What You Actually Owe

Here's the short answer

Vivint charges $0 to cancel monitoring — there is no early termination fee on the monitoring service. But if you financed your equipment through Citizens Pay, that loan continues independently and does not stop when you cancel.

What you likely owe: Most buyers who financed Vivint equipment owe $400–$1,200 or more in remaining equipment loan payments. To get your exact payoff amount, call Citizens Pay directly at 1-833-654-7278 or log in at citizenspay.com.

The distinction that matters: Monitoring and equipment are two separate agreements. Canceling monitoring ends your service — it does not cancel, pause, or reduce your equipment loan. Those are different companies and different contracts.

This guide explains exactly what each obligation is, how to calculate your payoff, and what your options are.

Know what you owe — not sure what to do next? The Vivint recovery guide routes by loan balance and payoff stage. Vivint recovery guide →

Affiliate disclosure: SecurityCompassHQ may earn commissions from some links on this page, including as an Amazon Associate when you purchase through Amazon links. Commissions do not influence our scores or recommendations. See full disclosure →

The two Vivint financial obligations — separated

ObligationWhat it isCancellation fee?What happens when you cancel monitoring
Monitoring serviceMonth-to-month monitoring contractNone — $0 ETFStops immediately on request
Equipment financingConsumer installment loan (Citizens Pay)Payoff of remaining principalContinues unchanged — separate agreement

Most Vivint customers who cancel monitoring discover they still owe $400–$1,200+ on their equipment loan. The monthly payment continues through the original loan term regardless of whether monitoring is active.

To find your equipment payoff amount: Call Citizens Pay at 1-833-654-7278 or log in at citizenspay.com. Your payoff amount is the remaining principal (possibly minus prepaid interest, depending on loan terms).

Enter your Vivint loan balance — see exactly what you owe

Our ETF Calculator separates the monitoring cancellation fee ($0) from the equipment loan balance — and shows your payoff timeline.

ETF Calculator →

Vivint cancellation FAQ

Does Vivint charge a cancellation fee for monitoring? +
No. Vivint has no monitoring contract and no early termination fee for canceling monitoring. You can cancel Vivint monitoring at any time. The complication is equipment financing: if you financed your Vivint equipment through Citizens Pay or Vivint's own financing program, those loan payments continue independently after you cancel monitoring.
What do I owe Vivint if I cancel? +
For monitoring: $0 — no early termination fee on the service side. For equipment (if financed): your remaining equipment loan balance. This is a completely separate financial obligation from monitoring, held by Citizens Pay (a Citizens Bank subsidiary), not Vivint. To get your exact payoff amount, call Citizens Pay at 1-833-654-7278 or log in at citizenspay.com. Most buyers who financed Vivint equipment discover they owe $400–$1,200 or more depending on when in the loan term they are canceling.
How long are Vivint equipment financing terms? +
Vivint offers equipment financing over 42 or 60 months depending on the plan selected at installation. A 60-month financing on a $1,200 equipment package means $20/month in equipment payments for 5 years — regardless of whether you have monitoring or not.
Can I pay off Vivint equipment financing early? +
Yes — Citizens Pay and Vivint's financing program generally allow early payoff. However, check your specific financing agreement for prepayment terms. Some agreements have early payoff provisions that reduce remaining interest; others calculate payoff as the full remaining principal. Call Citizens Pay directly for your payoff amount.
What happens to my Vivint equipment after I cancel monitoring? +
The equipment stays in your home and remains yours — it's not ADT-proprietary equipment that must be returned. If your financing is paid off, you own it outright. If you're still financing, equipment payments continue. You can continue to use the equipment with Vivint monitoring (if you reactivate later) or potentially use it with a third-party monitoring provider.
Is Vivint's financing a loan or a lease? +
Vivint's equipment financing through Citizens Pay is a consumer loan — not a lease. You own the equipment at the end of the financing period (or after payoff). It will appear on your credit report as an installment loan. Missed payments can affect your credit score. This is a materially different financial product than ADT's monitoring contract.

What to do after you've settled your Vivint financing

Once Vivint equipment is paid off, you have complete flexibility. These are the strongest no-financing, no-contract options to consider:

SimpliSafe

9.2/10 · No contract · No financing · From $22.99/mo

Buy equipment outright. Month-to-month monitoring. Zero financial commitment beyond the current month.

Full review →

Ring Alarm

8.8/10 · No contract · No financing · From $19.99/mo

Equipment purchased outright. No financing option — pay once, own it. Good for Amazon households.

Full review →

Cove Security

8.0/10 · No contract · No financing · From $19.99/mo

CSAA Five Diamond monitoring at one of the lowest monthly rates. Equipment from $199.

Full review →

See the full after-signing options system — all post-sign paths organized by stage from figuring out what you owe through cancellation and what comes after: After signing a home security contract — stage-by-stage options map →

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