Question 1

Does Vivint charge a cancellation fee for monitoring?

Accepted Answer

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.

Question 2

What do I owe Vivint if I cancel?

Accepted Answer

For monitoring: $0. For equipment (if financed): your remaining equipment loan balance. This is a separate financial obligation from monitoring. Your Citizens Pay or Vivint financing agreement specifies your remaining balance and payoff terms. To get a payoff quote, call Citizens Pay directly or log in to your Citizens Pay account.

Question 3

How long are Vivint equipment financing terms?

Accepted Answer

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.

Question 4

Can I pay off Vivint equipment financing early?

Accepted Answer

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.

Question 5

What happens to my Vivint equipment after I cancel monitoring?

Accepted Answer

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.

Question 6

Is Vivint's financing a loan or a lease?

Accepted Answer

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.

Obligation	What it is	Cancellation fee?	What happens when you cancel monitoring
Monitoring service	Month-to-month monitoring contract	None — $0 ETF	Stops immediately on request
Equipment financing	Consumer installment loan (Citizens Pay)	Payoff of remaining principal	Continues unchanged — separate agreement

Vivint Cancellation Fee: What You Actually Owe

The two Vivint financial obligations — separated

Vivint cancellation FAQ

What to do after you've settled your Vivint financing

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