for 24 months.^ Get it all. Klarna (the finance provider for all access in the UK) are notorious for rejecting people first time round irregardless of credit history/score. Now, lets do a little math. Its worth noting too that Xbox All Access, like other financing opportunities, is subject to a credit approval of 630 and above. So I was looking into the Xbox all access thing, and then I realized that it's based on a credit check. Heres how it works: You apply for a line of credit with Citizens Bank, much like you would for a credit card. Because if you buy a Series X with, say, a Chase Freedom Flex, youll meet the $500 spending threshold for the $200 signup bonus and give yourself 18 months of 0% APR to pay it back. How it works: Qualify for Affirm financing and enjoy . Connect with friends via online multiplayer. And since Ive recently gotten addicted to Assassins Creed: Odyssey, Ive just let my UGP subscription lapse. Thinking about getting a second system. All Clinic Customer Service Registry Gift Cards Pharmacy Sell Computers Video Games Home Improvement Health & Household Luxury Stores Shop Microsoft Xbox Xbox All Access + Follow Home Microsoft 365 Surface Windows Xbox New Releases Start right away Your Xbox Game Pass Ultimate membership will be waiting for you on your new console Includes 24 months of Xbox Game Pass Ultimate The Xbox Series X is now available at GameStop through Microsoft's Xbox All Access financing program.. How much you pay every month depends on your credit. I wonder how even got my car. It is a total disaster and I have wasted hours on trying to figure this out. Xbox All Access is basically a financing option that charges you $35 a month for two years. Josh Hawkins posted a new article, Xbox All Access payment plan explained - Xbox Series X, Xbox Series S. So strange to see a payment plan that's cheaper than buying up front, but I'll probably hunt for deals on the hardware and game pass. Furthermore, Xbox Game Pass Ultimate goes on sale relatively often; you could almost certainly get two years worth for less than $360. Xbox All Access can save you money in the long run, but only if you plan to buy Xbox Game Pass Ultimate anyway. Xbox all access, what credit score is needed? Credit Score Calculator: Get Your Estimated Credit Score Range. With no upfront cost, Xbox All Access has everything you need to experience next-gen gaming. Explore rich new worlds with 12 teraflops of raw graphic processing power, DirectX ray tracing, a custom SSD, and 4K gaming.*. Azure Free Account - includes 1 year of free services and $200 credit for the 1st month. If you can't hit that cut . Whats the catch? for next-gen and everything it has to offer, Xbox All Access makes sense for you. of the length of your financing term. I read through the fine print on the Xbox All Access agreement with Citizens Bank, and I generally liked what I saw. To figure this out, we did some quick calculations based on the best possible month-by-month payment terms. Thats absolute eons in next-gen console restock terms. The first two years of a consoles lifespan are often pretty quiet. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. You cannot cancel your membership and reduce your monthly payment. XBOX ALL ACCESS Your all-inclusive pass to Xbox Get an Xbox Series X or Xbox Series S console, plus 24 months of Xbox Game Pass Ultimate for one low monthly price. Ive had UGP for years and have never paid full price for it. For transparency, the chief drawbacks of the Money Under 30 method are: But if you ask me, I think its worth it to save $329! Xbox All Access is simple and easy to understand, but inflexible. * Prices last scanned on 3/3/2023 at 10:31 pm CST - prices may not be accurate, click links above for the latest price. The Xbox Series X and Xbox Series S offer a nice package for gamers looking to get into next-gen gaming, and the Xbox All Access payment plan makes it even easier to jump right in. However, all credit card information is presented without warranty. Select an Xbox Series X or Xbox Series S. Qualify and enjoy low monthly payments.^. The Microsoft Limited Warranty covers the Xbox console for one year (90 days for the controller and accessories), irrespective I'm guessing you are using a recognised site, Microsoft, Smyths, Game etc? Xbox All Access is a 24-month financing option for Xbox Series X, Series S, and Xbox One S. Instead of simply selling the console, All Access provides two years of Game Pass Ultimate in addition . Theyve also made enrolling in Xbox All Access extremely easy; its basically the same as purchasing a console with cash, the only difference being how much money youre charged and when. Your digital content will be delivered directly to your console during set-up; no codes required I like the idea of paying 35 a month and getting game pass for 2 years. $0 down, 0% APR is an impressive offer, especially considering that youll end up paying. Its a bit of a catch-22, and I dont know how Citizens would enforce it. Get an Xbox Series X console and 24 months of Xbox Game Pass Ultimate for one low monthly price with Xbox All Access.+^ Power your dreams Xbox Series X, the fastest, most powerful Xbox ever. Please note, monthly payments will continue Select an Xbox console. If youve been playing your Xbox One for years and youre just. Total payment amount from $599.76; taxes, shipping, and other charges are extra and may vary (estimated retail price with Xbox Series S console; prices will vary by console and retailer). interesting, that would work for me. However, the agreement also claims that failure to pay on time could nullify promotional incentives and, in this case, those incentives include 0% APR and no late fees. Thats a $59 savings, which you can then use to buy a new game that youve been looking forward to. Enrolling in Xbox All Access is a commitment to pay $906.94 total over two years. As good a program as Xbox All Access is, it is still a finance agreement and it comes with all the associated paperwork, risk, and credit checks that a finance agreement anywhere else would have. As Microsofts most powerful last-gen. console, the Xbox One X makes a compelling case for itself in a few ways: The Xbox One X already plays many of the best Xbox games in native 4K and/or 60 frames per second. Start a game on your console and keep playing it from the cloud on a supported phone, tablet, or PC. Do I own the Xbox console purchased with Xbox All Access? Considering Xbox All Access includes Game Pass Ultimate, you're actually saving money going this route. Yet, I get declined for an Xbox with 2 years of Ultimate? See everyone was saying that if you account for game pass as well, then you actually save a tiny bit (like $20 on the series x), I have the best buy credit card, but I don't really want to use it because I'm trying to keep utilization low so that come March, I will have built my credit up enough to be above 600, and gwt my credit union card with better rates vs trying to apply now (not planning on keeping a balance, but still worth it to have better rates ND be guaranteed to be approved vs being on the fence wether I will or not). "If you have a credit card with a limit of $10,000 and you owe $3,500 on it, that's 35% utilization," he notes. gamespot.comgiantbomb.commetacritic.comfandom.comfanatical.com, Privacy PolicyCookie SettingsDo Not Sell My InformationReportAd. That screams "something is wrong with Citizen One's systemor an issue on Best Buy's side. Which one should i buy? 2 are all arriving in 2023 on next-generation consoles only, making the temptation to upgrade more potent than ever. Is it interest free? No extra cost: compared to Estimated Retail Price of console and full price of monthly Ultimate subscription purchased separately. However, additional items can be purchased separately. https://support.microsoft.com/warranty. A gently pre-owned Xbox One X costs around $300 now and plays countless Xbox titles in 4K already. To be perfectly honest, I was surprised to learn about the 0% APR, along with the lack of late fees and penalties. References to products, offers, and rates from third party sites often change. Can I join Xbox All Access if I'm an existing Xbox Game Pass member? In short, if you are comfortable applying for a new line of credit, you are absolutely certain you can spend $35 per month for the next 24 months, and you want two years worth of Xbox Game Pass Ultimate, then Xbox All Access makes sense. Support said take it back where you bought it, so back to Best Buy we went. Experience a huge variety of games from every genre and with games added all time, theres always something new to play. As a reminder, Xbox Game Pass Ultimate includes Game Pass, Game Pass for PC, and Xbox Live Gold, which enables online multiplayer. It started in 2018, after the . Source: Microsoft (Image credit: Source: Microsoft). Please see a participating retailer for more information regarding financing for Xbox All Access. Game Pass Ultimate) =, Xbox Series X + 24 mo. You can pay $80 up front and lease the Xbox. It was also giving billing address issues. Maybe youve been team Playstation this generation (enjoying Bloodborne). Source: eBay listing by seller esquared2018. It's financing, which requires a credit check. The pros and cons of getting an Xbox Series X on Xbox All Access. Buy two 12-month Ultimate Game Pass Cards on eBay: $88 + 8% tax = $190. Copyright 2000-2023 M2N Limited E. & O.E. If you had decent credit you wouldn't have been rejected. Guilty Gear Strive releasing March 6 on Xbox/Game Pass, Rumour: Fable Reboot Is Miles Away While Xbox Focuses On Hellblade 2 And Avowef. Learn more about Xbox Game Pass Ultimate at https://xbox.com/gamepass. I got denied with a 650 score around the time the Series S/X released. Repairs / Warranty / Hardware Troubleshooting. MoneyUnder30 does not include all companies or all offers available in the marketplace. Is it worth it, or should you just pay cash? Xbox All Access is basically a credit loan you pay back over time. This site may be compensated through the bank, credit card issuer, or other advertiser. Xbox All Access May Be a Good Fit for You If, Xbox All Access May Not Be a Good Fit for You If. Yes, you own the Xbox console purchased with Xbox All Access. Save $59.99 with Xbox All Access 2. for 24 months with Klarna. Microsoft Microsoft Xbox All Access - Xbox Series X No reviews Check compatibility Call Play videos Color Black Price $34.99/mo Financed with affirm. Press J to jump to the feed. Your rate depends on your creditworthiness. You will be unable to redeem There's 0% Annual Percentage Rate, no money down, no late fee penalties. But how are you going to justify a $299 or $499 purchase on a tight budget? Thankfully, Microsoft has quite a bit of availability when it comes to eligible countries and retailers, and heres a full list of what theyve released thus far: All in all, Xbox All Access is a great deal for those who dont mind making a monthly payment and have a decent credit score. If you redeemed the 24-month Xbox Game Pass Ultimate membership prior to returning your Xbox All Access purchase, the 24-months of Xbox All Access Ultimate will be removed from your account at time of return. Yep, youre basically mortgaging your Xbox. I did have a collection get paid in full, but I doubt I'll get approved so I probaby shouldn't risk the application. There may be a AAA title here or there to keep sales moving (Halo Infinite), but things dont get really exciting until the next-gen exclusives start arriving. Game Pass Ultimate, NASA astronaut snaps 'absolutely unreal' photo of auroras surrounding Earth, Xbox Series X may enhance Xbox 360, OG Xbox games too, Xbox Series X's Smart Delivery may let you custom install games, Xbox Series X games are 'unlike anything you've ever seen before', Microsoft: Xbox Series X's real magic is hardware and software synergy, Xbox Series X 4K 60FPS made possible by Zen 2 CPU, says 3D Realms dev, Xbox Series X enhancement patches will upgrade current-gen games. Total Cost: $839.76. Just dont get something you cant afford within the 90 days otherwise you are paying out the ass. Xbox All-Access Xbox One S All-Digital - $19.99 per Month; . I think this is a total scam. They aren't even giving it away, just discounting it if you buy a new console and commit to two years. See In most cases you're going to save money on two years of. Things will really gear up with Project xCloud. However, theres an alternative to the blink-and-youll-miss-it restock madness, and its called Xbox All Access. Opinions expressed here are author's alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser. We've crunched some numbers to see if Xbox All Access is actually worth it or not. This program was specifically made to lock you into an ecosystem where you make systemic payments, and therefore are less likely to deter from that platform--incremental payments ensure long-term investment, which is what Microsoft cares about most--and a direct route to Game Pass, a service that features tons of online-driven monetized games. With approved credit, youll get a factory new Xbox Series X or S console plus 24 months of Xbox Game Pass Ultimate, all for $0 down and 0% APR. Yeah I was at 585 like 2 weeks ago. Conversely, Xbox All Access is $300 over the base MSRP of an Xbox Series S. With the same terms at $35/mo. More Buying Choices. Reddit and its partners use cookies and similar technologies to provide you with a better experience. If you do qualify, the credit check will result in an inquiry that may impact your credit report. Ill start with the Xbox Series S. Heres what youd pay for everything in cash versus financing for 24 months. Considering Xbox Game Pass Ultimate typically costs $14.99 per month, the deal offered by Xbox All Access just became a little sweeter. User Generated Content Disclaimer: The comments below each article are not provided or commissioned by the bank advertiser. use the arrow keys to navigate through the pivots and tab to focus on focusable content inside a pivot section. In the end, I still do not have an xbox for my son. Do you need to make flexible payments instead of a lump sum? That means no extended warranty, no physical games, no bonus controller, or any other bonuses. Microsoft store said the credit payment wasn't available after I had already taken the hard credit score hit. What else does it include? To illustrate, on BestBuy.com theres a listing for the $500 console and a listing for Xbox All Access. You apply for a line of credit with Citizens Bank (opens in new tab), which charges you $35 a month for 24 months. Youll have to manually type in your Xbox Game Pass Ultimate codes. For the uninitiated, Xbox Game Pass is like Microsofts Netflix for games. Ionno I guess living on the edge is starting to hurt me. It may not display this or other websites correctly. My credit score was about 820 at time of approval. and you can enjoy some affordable, guilt-free 4K escapism. $35 a month makes it a really easy purchase. Xbox Game Pass Ultimate membership, and will be added to your Xbox Game Pass Ultimate membership up to a maximum of 36 months. Investment Calculator: How Much Will You Earn? If you're already an Xbox Live Gold, EA Play or Xbox Game Pass member (Console or PC), any days remaining in your membership(s) will be converted to Xbox Game Pass Ultimate at a conversion ratio when you redeem the 24-month If you do some more research its actually quite a rip off with how much you pay for everything after said and done. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Game Pass . Citizens Pay Line of Credit Account offered by Citizens Bank, N.A. What exactly is the Xbox All Access plan and how does it work? *Savings: based on Estimated Retail Price of Xbox Series S console and full price of 24 months of monthly Ultimate subscription sold separately; actual savings may Loan Payoff Calculator: How Quickly Can You Repay Your Loan? The following criteria will be used to determine eligibility for upgrade purchase: You must have an existing Citizens Pay Line of Credit for Xbox All Access . you money versus paying cash, albeit less this time (around $20). However, it makes much more financial sense to just purchase the $499 console upfront and buy some Ultimate Game Pass codes on eBay. Theyve also made enrolling in Xbox All Access extremely easy; its basically the same as purchasing a console with cash, the only difference being how much money youre charged and when. Check out our rolling list of the best credit cards. Joining Xbox All Access is easy: 1. Basically, all three parties involved: Walmart, Liftforward and Citizens, point to each other and nobody takes responsibility for the customer. Simply subscribing at full price each month is not the most cost-effective way to join. Honors CEO says it could happen, Apple just changed iPhone trade-in values see what yours is worth now, Specialized Turbo Como SL 4.0 Ebike review: A Super Smooth, Carefree Cruiser, The best tech tutorials and in-depth reviews, Try a single issue or save on a subscription, Issues delivered straight to your door or device. This Line of Credit offers you a fixed interest rate of 0% APR for 24 months. Having a good credit score can help you qualify for financial products at lower interest rates. First and foremost, the Citizens Bank line of credit is not nearly as punishing as a traditional credit card would be. My credit snapshot: Credit lines: Over $600k total, highest credit line $80k, many at $25k+. Game Pass Ultimate also includes 100+ titles for PC as well as Xbox Live Gold, so you can play online with your friends for 24 months. https://www.verizon.com/gaming/xbox-all-access/. But for my money, Im going for the Series X Ill make back the $10 per month or $200 cash eventually, and in the meantime, Ill get to enjoy Starfield and the Cyberpunk DLC in true 4K. The No. Can I return or cancel an Xbox console/bundle purchased with Xbox All Access? If you make the payments on time your score may end up higher by the time your about halfway through paying. The pre-qualification was a SP but they did do a HP on Equifax when I actually submitted the app. The $35 per month, no extra money deal also applies only for two years. "Somewhere beyond right and wrong, there is a garden. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Probably not even worth applying if they do a hard pull. I heard you need at least 690 fico. If you go over 90 days you will have to pay over $1100 in a 12 month period. The Xbox Game Pass Ultimate membership is included in the Xbox All Access purchase. XBOX ALL ACCESS Your all-inclusive pass to Xbox Get an Xbox Series X or Xbox Series S console, plus 24 months of Xbox Game Pass Ultimate, from 20.99/mo. Microsoft's Xbox All Access program opens new flexible access points for consumers who don't have $499 or $299 to drop on a new Xbox. No, with Xbox All Access there are no extra costs and 0% APR for 24 months.^. You should be fine as long as your credit isn't bad. Redeem it during initial console setup or later in the Settings app. This is what I want to know since I dont want an account showing on my credit profile, which will hurt my overall credit age. It's basically the same as a phone plan and impacts your score the same way. ^ With no upfront cost, Xbox All Access has everything you need to experience next-gen gaming. I have perfect credit, long credit history w/o any issues in the years, plenty of income, etc. So you're stuck with the bill for the all access even though you no longer have a console and may not be able to get another one. You will not incur any additional costs if you miss the $35 monthly payment for any of the 24 months in the contract. Membership conversion: your existing Xbox Live Gold, EA Play, and Xbox Game Pass membership(s) will automatically convert to Ultimate at a conversion ratio, learn more If a return is applicable to your purchase, and you return your Xbox All Access purchase, your account will be credited appropriately. Financing available for your Xbox All Access - Xbox Series X purchase with PayPlan by RBC for $39.99 / month for 24 months at 0% APR with $0 due today. That will bring your score down. With Xbox All Access, though, you could pick up the Series S on a monthly payment plan, totaling out to around $599.76 after the two years is up. Normally, buying the Xbox Series S and 2 years of Game Pass Ultimate would cost you around $658.76. Then you can convert that into GPU on Xbox's website for either 1 buck or 14.99 when you sign up for GPU, Microsoft gives you the option to convert your Gold months 1:1 into GPU months. be returned within 30 days (or less, if the retailers return period is shorter). Experience the fastest, most powerful Xbox ever. Xbox All Access is basically a credit loan you pay back over time. Starfield, Redfall, Forza, Fable, and Ukrainian-developed S.T.A.L.K.E.R. Ill sometimes buy a one-month code if theres a new game I want to play that I know I can beat in a month, like Halo Infinite. We cannot emphasize this enough, Xbox All Access is a contract and missing payments could negatively affect your credit score. Not sure where you stand? Citizens Financial says they are only the financing provider and cannot help (although I believe the woman I spoke with truly wanted to help and has documented the situation for when we end of having to fight over the monthly payments). Xbox Series X On Xbox All Access. The current library features hundreds of Xbox, Xbox 360, and Xbox One games that you can download and play at your leisure as long as youre subscribed. Includes: Xbox console and 24 months of Xbox Game Pass Ultimate ($14.99/mo value), with access to hundreds of games, including day one releases and an EA Play membership 1. Amazon.com: Shop Microsoft : Xbox All Access All Account & Lists Returns & Orders New customer? Is RetroArch still using internal SSD space even though my games are on an external USB HDD? Here are the savings and prices for the Xbox Series X in the US with Xbox All Access: Monthly Cost: $34.99. If you have already made payments towards your Xbox All Access purchase, you will receive a check Enroll with ease Qualify and enjoy low monthly payments with nothing due today^ 3. All Access allows consumers to sign a credit lease contract and pay for a next-gen Xbox Series X or Series S console over time. Microsoft wanted $250 to replace it . After hours, you can find him practicing taekwondo or doing deep dives on classic sci-fi. Source: eBay listing by seller momogamingtech. Citizens One will hit your credit to determine your terms, Your credit will initially drop when you close the account, and then rise thereafter, Late payments will be reported to credit bureaus and typically affect your credit score, Prompt on-time payments will boost your credit, Series X retail $499 + $360 (24 mo. That was 2 weeks ago. Learn more at https://www.xbox.com/xbox-game-pass. General Disclaimer: See the online credit card application for details about terms and conditions. To enroll in the latter, you simply add it to your cart and buy it. 1 drawback to Xbox All Access is that it locks you into paying (essentially) full price for 24 months of Ultimate Game Pass. Not sure what the Xbox All Access payment plan is, or what it means for Xbox Series X and Xbox Series S purchases? The idea is that you're taking out a loan to get your Xbox, so that Microsoft can offer an enticing deal without taking on financial risk. Sure, $0 down, 0% APR sounds good, but is it worth it? You're browsing the GameFAQs Message Boards as a guest. Can I combine Xbox All Access with any other promotional offers?