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Surface All Access lets you finance your PC, starts at $25 per month

At its Surface event today, Microsoft announced "Surface All Access," a new financing program for Surface devices. While the company didn't dive into too many details, it did reveal that plans start at $25 per month, allowing you to pay for devices like the new Surface Pro 6, Surface Laptop 2, or Surface Studio 2 over time.

Surface All Access replaces the now-defunct Surface Plus program, which Microsoft abruptly ended in August. That program allowed you to pay for your PC over the course of 24 months, with the option to upgrade to a new device at 18 months on a new 24-month payment plan for accounts in good standing. Surface All Access operates in a similar manner, letting you spread your purchase out over 24 months, but without an option for an early upgrade. A two-year subscription to Office 365 is also included in the price.

"Surface All Access is a new way to purchase your favorite Surface product with accessories, Office 365, dedicated support, and Microsoft Store benefits for a single low monthly payment, starting at $24.99," Microsoft says.

Of course, the devil is in the details on pricing. According to the Surface All Access site, the $25 starting price is for a Surface Go bundle. Should you want to step up to something more costly, like the Surface Book 2 or Surface Laptop, you'll be looking at a monthly payment ranging from just under $50 to north of $150 for the Surface Studio.

At least for now, Surface All Access is only available through Microsoft Stores in the U.S.

Everything Microsoft announced at its October 2 Surface event

Dan Thorp-Lancaster is the Editor in Chief for Windows Central. He began working with Windows Central as a news writer in 2014 and is obsessed with tech of all sorts. You can follow Dan on Twitter @DthorpL and Instagram @heyitsdtl. Got a hot tip? Send it to daniel.thorp-lancaster@futurenet.com.

22 Comments
  • Pretty cool. Will be interested in Studio 2.
  • Ooooo this might be nice for me in the future.
  • I literally just bought a One X the other day with all access and got approved for a way higher credit line than was necessary and thought "you know I bet they'll do this with surface too" So in other words, I should attempt to show self control but probably won't
  • Let me guess, you got approved for the $4000 limit? It has been interesting seeing the different amounts people have been getting approved for with the Xbox All Access deal.
  • Is there interest charged? If not, that's a killer deal. $200/mo for 24 mos for a Surface Studio 2. It's almost as if they chose the top end Surface Studio price by picking a number ($200) and multiplying it by 24 mos.
  • Yes and no, depending on your needs and whether or not you pay it off within 24 months. The verge explained it pretty well. https://www.bing.com/amp/s/www.theverge.com/platform/amp/2018/10/2/17929...
  • 0% APR. It is through Dell, interesting partnership.
  • SURFACE BOOK 2 here I come!!!!!!! Now I can be poor and pay a high end laptop on a monthly basis
  • If I only didn't care about the end price, I would do this too.
  • Assume you can roll over to a new device after 24 months? If so, this would probably be great for someone like me, even if the residual value pencils out to be less than FMV. I have a corner of a closet filled with older devices that I held onto for too long and didn't bother trying to sell, haha. If, OTOH, it's just a normal financing program at usury interest rates, then no thanks.
  • It is a financing plan, but at 0 % APR. If you don't pay it off by 24 months then they will screw you with interest rates. I think for folks who are tight on cash, this is much better than putting it on a credit card.
  • What's the chances of this happening in the UK? I would certainly be interested. Please Microsoft, make this scheme available to us Brits please!!
  • Yep, give me this in the UK and I will get straight on it. I'll even pay more to pay it off sooner if I can. It looks really good. And if I get accepted (though my credit rating is pretty good from what I've noticed) then yeah, new Surface Pro for me to replace my aging Dell Venue 11 Pro. Might explain the price cuts on the older Surface Pro though.
  • What's the point of paying sooner at 0% APR?
  • It means it can be paid off sooner and I don't have to worry about covering it at a later date. It gets me off the financing sooner, meaning I don't have to worry about any potential issues with it damaging my credit rating etc. Dependent on when I sort out getting a Surface Pro though, I may not need to finance at all.
  • I thought they don't sell the Surface to all markets because amerakans can afford them and the rest of can't.
    Is Microsoft doing a Trump... How come they suddenly need finance assistance?
  • Wow, I just read the site and includes Office 365? Is that home or personal? If it's home, that's a pretty nice addition, though its still cheaper to find cards on the net.
  • Just read the FAQ it says with a personal you won't lost your current months of subscription, but with a home account you do. That makes little sense if home is on your primary account. They should both be the same and stack on your current time.
  • "Q: If I already have Office 365 Personal or Home, how does the 2-year Office 365 Home or Personal subscription offer work in my case?
    A: If you still have a few months remaining on your Office 365 Personal subscription, you won’t lose it when you add the 2-year subscription to Office 365 Personal through Surface All Access. If you already have an Office 365 Home subscription, you will lose any remaining months on your existing subscription with this bundle. In addition, the 2-year Office 365 Personal or Home subscription is part of the standard Surface All Access new product bundle. It is non-cancellable and non-refundable". I agree this makes zero sense. Plus after the 2 year period, you will need to get a new office 365 Sub - unless of course you get a new device... as in that case it would be basically a new purchase as you can no longer upgrade within the 24 months.. "Q: What happens at the end of the 24-month financing period?
    A: The device is yours to keep! You will, however, need to purchase a new Office 365 subscription of your choice to keep enjoying the benefits of the applications you rely on daily."
  • What about me?
  • The visible small print: "[1] 2-year Office 365 subscription is non-cancellable and non-refundable. Device colors and accessories subject to availability. ^DELL PREFERRED ACCOUNT (DPA): Offered to U.S. residents by WebBank, Member FDIC, who determines qualifications for and terms of credit. Taxes, shipping, and other charges are extra and vary. Payments are the greater of either $20 or the sum of any Monthly Planned Payment Due plus 3% of the New Balance shown on your billing statement (excluding any balance on a Planned Payment Purchase), rounded up to the next dollar. Minimum Interest Charge is $2.00. Rates range from 19.24% - 29.99% variable APR, as of 8/31/2018, depending on creditworthiness. Dell and the Dell logo are trademarks of Dell Inc. Offer valid for purchases at participating U.S. (excluding Puerto Rico) Microsoft Retail Stores. 24-MONTH EQUAL PAY OFFER ON SURFACE ALL ACCESS BUNDLES. No interest charged on promotional purchase if total purchase paid in full within 24 months. Monthly payments required. Purchase amount divided into 24 substantially equal monthly payments, rounded up to next dollar. Outstanding balances at end of promotional period are subject to terms of Credit Agreement for existing accountholders. For new accounts: Rates range from 19.24% to 29.99% variable APR; Minimum Interest Charge is $2; subject to credit approval. Surface All Access Terms apply. [2] Accidental Damage from Handling (ADH) is limited to damage resulting from dropping the covered product, spilling liquid onto it or screen/glass breakage of product. For covered defects and/or ADH damage, maximum of two (2) claims. Each claim is subject to a $49 deductible. Microsoft Complete sold separately. See Microsoft Complete Terms & Conditions. [3] In-Store Training available at full-line stores for 12 months after purchase.

    [4] 12 months in-store support and technical assistance available at full-line stores only. Software support excludes all third-party software."
  • AAAANNNNND its US only.