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. I want to get the XBSX on Xbox All Access. At participating retailers; estimated retail prices and vary by console. They aren't even giving it away, just discounting it if you buy a new console and commit to two years. Available at participating retailers, who act as credit intermediaries. that is all i got to provide at the moment. Nor can you add an extended warranty on your console. Pay in 4 interest-free installments over 6 weeks, 1 with no fees when paid on time. Naturally, getting a Series X sooner or later was a no brainer. View our Privacy Policy | 2023 GAMESPOT, A FANDOM COMPANY. Learn more at https://www.xbox.com/xbox-game-pass. Learn more about Xbox Game Pass Ultimate at https://xbox.com/gamepass. All-Digital and Disc-Free: Go all-digital and enjoy disc-free, next-gen gaming with the smallest Xbox console ever made. There are. If you had decent credit you wouldn't have been rejected. Experience next-gen gaming. Loan Payoff Calculator: How Quickly Can You Repay Your Loan? Will my credit be impacted when I apply for financing for my Xbox All Access purchase? cheaper ways of enjoying Xbox, which Ill elaborate on in my personal take below. If a return is applicable to your purchase, and you return your Xbox All Access purchase, your account will be credited appropriately. The payment plan will also include a credit check, which will impact your credit. Joshua holds a Bachelor of Fine Arts in Creative Writing and has been exploring the world of video games for as long as he can remember. be returned within 30 days (or less, if the retailers return period is shorter). Redeem it during initial console setup or later in the Settings app. ^With approval of Citizens Pay Line of Credit at 0% APR and 24-month term. Lets crunch some numbers. 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! Microsoft is not extending credit and does not determine credit terms or eligibility. 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 . Reddit and its partners use cookies and similar technologies to provide you with a better experience. If youve been playing your Xbox One for years and youre just ready for next-gen and everything it has to offer, Xbox All Access makes sense for you. Small hit for the credit check and the hit can be bigger depending on how much debt you have. A lot of times countries in Europe find themselves unable to take advantage of deals like this, and even the United States northern bordering neighbor, Canada, often finds itself missing out. How much is Xbox All Access? Right now, as a Canadian, with a very good credit score and no blemishes on my record, try applying for this plan RBC flat out rejects me, almost instantly. Enroll with ease Qualify and enjoy low monthly payments with nothing due today^ 3. Xbox All Access has a 0% annual percentage rate (APR), meaning that you wont pay any additional interest on top of the $35 per month. I'm making an assumption but the all access just comes comes with a code for 24 months of GP Ultimate correct? Xbox All Access is basically a credit loan you pay back over time. Experience the fastest, most powerful Xbox ever. 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. Amazon.com: Shop Microsoft : Xbox All Access All Account & Lists Returns & Orders New customer? 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. Thats honestly pretty amazing, considering financing virtually every other asset on the market (home, car, etc.) for full terms and conditions. Simple: you can get Ultimate Game Pass way cheaper. Check out our rolling list of the best credit cards. The drawback of simply buying an Xbox Series X is that youll have to pay $499 plus tax upfront. So its not a good idea right before you apply for a big loan, like an auto loan or a mortgage. Choose your console Select an Xbox Series X or Xbox Series S 2. Xbox Series X, stutter/frame rate issue and most troubleshooting attempted. As such, youre essentially getting $860 worth of goods for $840. If Microsoft approves a Refund Request, do you lose access to the game? I read through the fine print on the Xbox All Access agreement with Citizens Bank, and I generally liked what I saw. Citizens One has to make money somewhere, so Im guessing that in lieu of interest theyre getting a nice kickback from Microsoft, who in turn is subsidizing the cost of Game Pass Ultimate. Please contact your Xbox All Access retailer for more details about returns. However, the gaming giant went a step further to sweeten the deal, offering a special Xbox All Access plan, which allows you to make payments on your Xbox console over the course of 24 months. Probably not even worth applying if they do a hard pull. For more information, please see our Is There a Better Alternative to Xbox All Access? This website uses the TMDb API but is not endorsed or certified by TMDb. From the limited DPs I read this appears to be a . Thats honestly pretty amazing, considering financing virtually every other asset on the market (home, car, etc.) Source: Microsoft (Image credit: Source: Microsoft). Powered by Xenforo, Hosted by Nimbus Hosting, Original design Critical Media Ltd. Europe's busiest forums, with independent news and expert reviews, for TVs, Home Cinema, Hi-Fi, Movies, Gaming, Tech and more. Thirty-five dollars per month for 24 months comes out to $840 overall. We have no idea when Microsoft will run those kind of deals, though, and if youre looking for a guaranteed savings, then going with Xbox All Access is honestly a really good option. They're banking on making more money and hooking you on game pass permanently instead of you just buying the console and not subscribing to game pass. Whats the catch? Hunting for Xbox Series X restocks right now is, charitably, an absolute nightmare. Only 18 left in stock - order soon. 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). My credit snapshot: Credit lines: Over $600k total, highest credit line $80k, many at $25k+. ALL RIGHTS RESERVED. However, it makes much more financial sense to just purchase the $499 console upfront and buy some Ultimate Game Pass codes on eBay. You are using an out of date browser. Microsoft will still let you finance your new Xbox Series X or Xbox Series S with $0 down and 0% APR. 1 drawback to Xbox All Access is that it locks you into paying (essentially) full price for 24 months of Ultimate Game Pass. Warranty: your console and controller/accessories are under Microsofts Limited Hardware Warranty I did have a collection get paid in full, but I doubt I'll get approved so I probaby shouldn't risk the application. 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). This article provides details about Microsoft's Xbox All . Please note, monthly payments will continue When you visit a participating retailer, you can expect the following steps to join Xbox All Access. Included are MSRP rates for the Xbox Series S ($299) and Xbox Series X ($499) as well as the month-by-month cost of Xbox Game Pass Ultimate ($15 a month, $180 a year, $360 every 2 years). The S makes sense if you have no interest in buying, selling, or trading physical copies of games, and you either lack the interest or dont have a TV capable of playing games in true 4K. Game Pass . interesting, that would work for me. You will be unable to redeem Press question mark to learn the rest of the keyboard shortcuts. Of course, there are always different deals and things for Game Pass Ultimate (like the $1 deal going on at the time of publishing this article), which definitely changes things up. And since Ive recently gotten addicted to Assassins Creed: Odyssey, Ive just let my UGP subscription lapse. *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 If youre already an Xbox Game Pass Ultimate member with a prepaid balance of less than 12 months, your current Ultimate time will stack with the 24 months of Ultimate that is included with Xbox All Access. 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. Payment through Affirm is provided by these lending partners. And, of course, if you're okay with being locked into a digital-only console. Ive owned every Xbox since 2003. I purchased the xbox through all access since it is the only way to get one and it is my 10 year old son's only xmas wish. Xbox All Access includes the console plus 24 months of Xbox Game Pass Ultimate which itself has received an impressive next-gen upgrade. Plus, play new games on day one so you never miss out. joining xbox all access is easy 1. Marshall Honorof is a senior editor for Tom's Guide, overseeing the site's coverage of gaming hardware and software. Whats the catch? 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. Press J to jump to the feed. See Citizens Pay Line of Credit Agreement at Fifteen times 24 equals $360. 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. Is it worth it, or should you just pay cash? Can I cancel my Xbox Game Pass Ultimate membership and reduce my payments? Furthermore, Xbox Game Pass Ultimate goes on sale relatively often; you could almost certainly get two years worth for less than $360. In the UK, a number of shoppers who attempted to pre-order the . Anyone who has this program already and know this, I would appreciate an insight. Heres a little math to help explain it. Xbox All Access is your all-inclusive Xbox pass, similar to the Xbox Live Gold. We've crunched some numbers to see if Xbox All Access is actually worth it or not. I saw somewhere that it gets paused while I'm on the access plan and then picked back up on the tail end? Well break it down bit by bit. Before we get started, though, we do want to point out that buying anything on credit comes with its own risks and responsibilities. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A. If you do some more research its actually quite a rip off with how much you pay for everything after said and done. With that out of the way, lets jump right in! Im including 8% sales tax, but the tax will differ depending on where you live. However, after trying to look it up for 2 days, I can't find a recommended credit score. They will run a hard pull on your credit. Your credit score could also take a hit if that happens. FREE Shipping. According to Microsoft, you can return your Xbox All Access subscription to the retail store where you purchased it for a full refund of the payments youve made, but only within the retail stores return window (typically 30 days). Considering Xbox Game Pass Ultimate typically costs $14.99 per month, the deal offered by Xbox All Access just became a little sweeter. He enjoys everything from large-scale RPGs to small, bite-size indie gems and everything in between. TweakTown and its logo are registered trademarks. In all three cases, you might consider purchasing an Xbox One X instead of the Series X. If you have already made payments towards your Xbox All Access purchase, you will receive a check Microsoft wanted $250 to replace it . What is the Series x/s controller communication protocol when plugged in does it still transmit radio waves ? Personally, I would feel more comfortable buying a console outright, even if it meant I had to wait a few more months to get my hands on one. But if youre in the market for another card already, nows the time to get one. Parmo-Head 1 yr . However, all credit card information is presented without warranty. Ive purchased Xbox All Access. Nothing significant. Investment Calculator: How Much Will You Earn? By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. No. So if you enroll in Xbox All Access, youll actually end up saving around $63 versus purchasing the console and Xbox Game Pass Ultimate separately. As a reminder, Xbox Game Pass Ultimate includes Game Pass, Game Pass for PC, and Xbox Live Gold, which enables online multiplayer. xbox.com/subscriptionterms. I was wondering if anyone here has applied for the Xbox all access? The biggest reason to avoid Xbox All Access, however, is that 24 months of Xbox Game Pass Ultimate at full price is incredibly expensive, and potentially unnecessary. Microsoft for Xbox All Access product or Xbox Game Pass activation questions; Amazon for questions related to making an Xbox All Access purchase on Amazon.com; Citizens One at 888-522-9881 for questions about financing or the credit application; We look forward to your feedback. My wifes boob job knocked me down 17 points thus month. New comments cannot be posted and votes cannot be cast. Start a game on your console and keep playing it from the cloud on a supported phone, tablet, or PC. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. xbox series X My credit score is like 700 but still got rejected. around $63 versus purchasing the console and Xbox Game Pass Ultimate separately. Probably nothing too high, maybe 600-650 I would say. It was also giving billing address issues. He comes from a science writing background, having studied paleomammalogy, biological anthropology, and the history of science and technology. Support said take it back where you bought it, so back to Best Buy we went. Learn more. If you dont need those options, you can buy a cheaper Xbox-only Game Pass subscription. Liftforward has no customer service as far as I can tell. Unbox your new console and start playing hundreds of games with Game Pass Ultimate its included with Xbox All Access. If youre struggling in that department, make sure you, 24 months of Xbox Game Pass Ultimate (24 x $14.99). No, with Xbox All Access there are no extra costs and 0% APR for 24 months.^. |. To illustrate, on BestBuy.com theres a. for Xbox All Access. Regardless of how badly you may want an xbox, I do not recommend this program. Luckily, Microsoft still offers a program called Xbox All Access a financing program to make the new console experience appear more affordable. Select an Xbox Series X or Xbox Series S console. If your console malfunctions after that one-year period (or your controller or accessories malfunction after 90 days), you would be responsible. We may earn an affiliate commission. Not sure where you stand? It keeps you on the hook for 2 whole years of game pass. Make the most of every gaming minute with Quick Resume, lightning-fast load times, and gameplay of up to 120 FPS all powered by Xbox Velocity Architecture. If you decide not to redeem them then, the offers remain on the console until theyre redeemed. If you go over 90 days you will have to pay over $1100 in a 12 month period. 1999-2023 Tweak Town Pty Ltd. All Rights Reserved. You cant downgrade from Ultimate to regular Game Pass, for example, or cancel it within 24 months for a partial refund. The first two years of a consoles lifespan are often pretty quiet. EA Play gives you access to a collection of EAs best-loved series and top titles on console and PC, exclusive in-game challenges and rewards, special member-only content, and early trials of select new games. Even if you did want Ultimate Game Pass for 24 months straight like with Xbox All Access, you can easily find two 12-month codes for ~$90 each (half off MSRP). with more than 12 prepaid months of Xbox Game Pass Ultimate because an account can only have a maximum of 36 months at any time. Or maybe youre totally new to console gaming. Do you need to make flexible payments instead of a lump sum? So yes. However, youre going to lock yourself into a long contract, and may wind up saddled with services you dont want or need. 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 Retailers barely ever get new stock, and when they do, it often sells out in minutes even when its locked behind expensive, inconvenient premium subscriptions. 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. What all does that payment include? I think this is a total scam. At the moment, you can still buy 12 month digital access codes for Xbox Gold. 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. 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. You're browsing the GameFAQs Message Boards as a guest. xbox.com/gamepass. 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. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. $0 down, 0% APR is an impressive offer, especially considering that youll end up paying. Xbox fans were already surprised when Microsoft dropped news about the Xbox Series S and Xbox Series X being priced at $299 and $499 respectfully. Joining Xbox All Access is easy: 1. All in all, Xbox All Access is a great deal for those who don't mind making a monthly payment and have a decent credit score. If you don't qualify, your credit score will not be impacted. Typically, credit companies make their money by charging people interest if they dont pay their bills in full each month, and make extra money by charging administrative fees on top of that. Privacy Policy. Your digital content will be delivered directly to your console during set-up; no codes required Future US, Inc. Full 7th Floor, 130 West 42nd Street, Simply subscribing at full price each month is not the most cost-effective way to join. 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. Visit a participating retailer online or in store to join Xbox All Access today. warns that any late payments will be reported to credit bureaus, so be sure to set up autopay and notifications to prevent any disruptions in monthly payments. The ultimate financing is provided by Citizens Financial Group. No. The Xbox Series X is now available at GameStop through Microsoft's Xbox All Access financing program.. Does anyone here have it, if so what score was needed? To enroll in the latter, you simply add it to your cart and buy it. To illustrate, on BestBuy.com theres a listing for the $500 console and a listing for 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. On paper, Xbox All Access sounds great. Xbox All Access is an Xbox Series X payment plan system that allows you to open a line of credit with a retailer and pay $34.99 / 28.99 a month for a console and Xbox Game Pass. Things will really gear up with Project xCloud. Is there another way besides Xbox All Access to finance that hairy, scary lump sum? Create an account to follow your favorite communities and start taking part in conversations. Xbox All Access seems like a convenient, affordable way to start next-gen gaming. This option lets you discontinue Game Pass Ultimate at any time, and even if you stay subscribed for two straight years, youll save hundreds versus Xbox All Access. For some gamers, pre-orders for Microsoft's Xbox Series X are being canceled, which is then affecting those people's credit scores. But does anyone know how that impacts your credit profile? Select an Xbox Series X or Xbox Series S. Qualify and enjoy low monthly payments.^. Realistically, your best alternatives are tocough up the cash from your savings (steer clear of that emergency fund, though) or take advantage of a newcredit card sign up bonusto offset some of the cost. For example: the Xbox All Access agreement promises 0% APR and no late fees. Re: Xbox All Access Financing and Citizens One Line of Credit Questions. Do I own the Xbox console purchased with Xbox All Access? This Line of Credit offers you a fixed interest rate of 0% APR for 24 months. If no further purchases are made, your account will be closed after a period of inactivityusually 90 days.
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