See our Privacy Policy & Disclaimer for more details. You can pay $80 up front and lease the Xbox. This option lets you discontinue Game Pass Ultimate at any time, and even if you stay subscribed for two straight years, youll save, Best secured credit cards to rebuild credit. will cost you money in interest. 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. 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. Its worth noting too that Xbox All Access, like other financing opportunities, is subject to a credit approval of 630 and above. Credit Cards Best Credit Cards The best credit cards of 2022 Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best Balance Transfer Credit Cards Best Sign-Up Bonus Credit Cards Best Credit Cards For Young Adults Best Credit Cards For College Students Best By Credit Score of the length of your financing term. What is Xbox All Access? Thats honestly pretty amazing, considering financing virtually every other asset on the market (home, car, etc.) Create an account to follow your favorite communities and start taking part in conversations. If your credit is bad or even if your credit is good, and Citizens Bank doesnt like the way your credit history looks it could deny your application. Naturally, getting a Series X sooner or later was a no brainer. Can I return or cancel an Xbox console/bundle purchased with Xbox All Access? Experience the fastest, most powerful Xbox ever. I am going to assume theres a hard hit which is ok. I'm guessing you are using a recognised site, Microsoft, Smyths, Game etc? So I was looking into the Xbox all access thing, and then I realized that it's based on a credit check. In all three cases, you might consider purchasing an Xbox One X instead of the Series X. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. If you don't qualify, your credit score will not be impacted. 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. Things will really gear up with Project xCloud. joining xbox all access is easy 1. Note, once converted Small drop at first followed by an increase if you pay on time etc. Payment through Affirm is provided by these lending partners. Its not a huge discount, but the important thing is that Citizens Bank isnt overcharging you, either. Microsoft wanted $250 to replace it . So yes. Xbox All Access is basically a financing option that charges you $35 a month for two years. Heres how to get the Xbox All Access experience for half the price. Available at participating retailers, who act as credit intermediaries. Microsoft is basically bundling together your hardware and your software into one monthly fee to make next-gen gaming a bit friendlier to the average budget than asking $500 for a console plus $60-$70 per game. The way they give away game pass to get you hooked Im sure they are fine losing a bit here. Reddit and its partners use cookies and similar technologies to provide you with a better experience. ^With approval of Citizens Pay Line of Credit at 0% APR and 24-month term. 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. Please see a participating retailer for more information regarding financing for Xbox All Access. You can try out and play a wide variety of games you don't have to go out and buy or borrow. They will run a hard pull on your credit. Get hundreds of games, including day one releases, plus a next-gen console all from $24.99/mo. 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. 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. Enjoy new games on day one from Bethesda Softworks, Xbox Game Studios, indie studios, and more. We've crunched some numbers to see if Xbox All Access is actually worth it or not. We cannot emphasize this enough, Xbox All Access is a contract and missing payments could negatively affect your credit score. Xbox Velocity Architecture: Experience next-gen speed and . How Much Should You Contribute To Your 401(k)? As Microsofts most powerful last-genconsole, the Xbox One X makes a compelling case for itself in a few ways: Enrolling in Xbox All Access only makes sense if youre 100% certain youll want Ultimate Game Pass for the next 24 months. 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. For example: the Xbox All Access agreement promises 0% APR and no late fees. 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. Your digital content will be delivered directly to your console during set-up; no codes required Play hundreds of games with Game Pass Ultimate on a brand-new console. Furthermore, Xbox Game Pass Ultimate goes on sale relatively often; you could almost certainly get two years worth for less than $360. Get a next-gen console Regardless of how badly you may want an xbox, I do not recommend this program. In most cases you're going to save money on two years of. Your Xbox Series X|S is yours to enjoy forever. 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 How Much Do You Need To Have Saved For Retirement? Visit a participating retailer online or in store to join Xbox All Access today. It's not a subscription service to be entered into lightly.. Buy two 12-month Ultimate Game Pass Cards on eBay: $88 + 8% tax = $190. In most cases youre going to save money on two years of Game Pass Ultimate and access to one of the most powerful Xbox consoles ever created. For the uninitiated, Xbox Game Pass is like Microsofts Netflix for games. You can buy refurbished or pre-owned Xbox One X consoles for well under $300. Powered by Xenforo, Hosted by Nimbus Hosting, Original design Critical Media Ltd. For some gamers, pre-orders for Microsoft's Xbox Series X are being canceled, which is then affecting those people's credit scores. Xbox Game Pass Ultimate is pretty much all you need to keep yourself busy for thousands of hours, whether youre playing an endless RPG like The Witcher 3 or competing online in Gears Tactics. No All-Access participating retailers seem to suggest there's perpetually reserved stock. 2. Note, once your existing Of course, Xbox All Access is only good if it is actually available in your country. If you make the payments on time your score may end up higher by the time your about halfway through paying. While the savings arent massive, there are some to be had here, and in most cases Microsoft is actually hurting itself by not just selling the consoles and Game Pass outright. 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. and you can enjoy some affordable, guilt-free 4K escapism. ^ With no upfront cost, Xbox All Access has everything you need to experience next-gen gaming. Do you often feel that expansions and DLC release way too late? Your purchase must Unbox your new console and start playing hundreds of games with Game Pass Ultimate its included with Xbox All Access. Either way, be responsible when choosing between buying upfront or over time and take everything into account before signing any agreements. Xbox All Access has everything you need to experience next-gen gaming. However, after trying to look it up for 2 days, I can't find a recommended credit score. To illustrate, on BestBuy.com theres a listing for the $500 console and a listing for Xbox All Access. But remember, once you get your Xbox in hand, you cant simply pay for the whole thing up front and be done with it. I did have a collection get paid in full, but I doubt I'll get approved so I probaby shouldn't risk the application. No. cheaper ways of enjoying Xbox, which Ill elaborate on in my personal take below. Xbox series X and Sony AV Receiver, NO HDR help. This site may be compensated through the bank, credit card issuer, or other advertiser. Normally, buying the Xbox Series S and 2 years of Game Pass Ultimate would cost you around $658.76. 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. 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. If you go over 90 days you will have to pay over $1100 in a 12 month period. Xbox All Access - Is It Worth It? 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. 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. For starters, you should know that applying for a new credit card may temporarily lower your credit score by a few points. If Citizens likes your credit, it will provide an Xbox Series X, as well as a monthly Xbox Game Pass Ultimate subscription, and charge you $35 per month for them. $35 a month makes it a really easy purchase. (You can also use Xbox All Access to get an Xbox Series S, but Series S consoles have generally been easy to find standalone, so I dont know if All Access is necessarily worthwhile. Microsoft store said the credit payment wasn't available after I had already taken the hard credit score hit. vary. When you visit a participating retailer, you can expect the following steps to join Xbox All Access. AVForums.com is owned and operated by M2N Limited, Press question mark to learn the rest of the keyboard shortcuts. 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. How much you pay every month depends on your credit. And finally, how much do you care about Xbox Game Pass Ultimate? Everything you need for next-gen gaming Xbox All Access is your ultimate gaming bundle. Read on to find out whether you should apply for All Access, or hold out for a more traditional restock. Complete your Xbox All Access purchase in 2 easy steps: 1 Submit Application Provide basic information and see if you're qualified for a Citizens Pay Line of Credit for Xbox All Access. Start a game on your console and keep playing it from the cloud on a supported phone, tablet, or PC. for 24 months, the Xbox Series X would cost a total of $860. I also love Ultimate Game Pass. My wifes boob job knocked me down 17 points thus month. 700 is by no means great, but you're still BSing. Heres how it works: You apply for a line of credit with Citizens Bank, much like you would for a credit card. 2021 Microsoft Xbox Series S 512GB Game All-Digital Console, One Xbox Wireless Controller, 1440p Gaming Resolution, 4K Streaming, 3D Sound, WiFi, White- 4K HDMI Cable (Renewed) 27. If you do some more research its actually quite a rip off with how much you pay for everything after said and done. There's 0% Annual Percentage Rate, no money down, no late fee penalties. Partnering with RBC for All Access Xbox plan is a large slap to consumers I'd like to know how it came about that RBC was the chosen bank to create the Payplans for Xbox All Access. https://www.citizensbank.com/xaa Before we get started, though, we do want to point out that buying anything on credit comes with its own risks and responsibilities. And what are some alternatives? Does Xbox All Access cost more than purchasing a console and Game Pass separately? It's cool to see Microsoft offering some different ways for users to get their hands on the latest generation of Xbox consoles with a plan that isnt designed to gouge your bank account with high interest fees. I'm making an assumption but the all access just comes comes with a code for 24 months of GP Ultimate correct? 1999-2023 Tweak Town Pty Ltd. All Rights Reserved. The Xbox Series S is where the savings really kick in, though. The payment plan will also include a credit check, which will impact your credit. Sure, $0 down, 0% APR sounds good, but is it worth it? Xbox All-Access Xbox One S All-Digital - $19.99 per Month; . -9%$26995$299.90. Is RetroArch still using internal SSD space even though my games are on an external USB HDD? If a return is applicable to your purchase, and you return your Xbox All Access purchase, your account will be credited appropriately. How do I redeem Xbox Game Pass Ultimate? Yet, I get declined for an Xbox with 2 years of Ultimate? Only 18 left in stock - order soon. You apply for a line of credit with Citizens Bank (opens in new tab), which charges you $35 a month for 24 months. He hopes to one day explore the stars in No Man's Sky with the magic of VR. Checking your eligibility won't affect your credit score. Xbox All Access costs $34.99 and $24.99 per month for the Xbox Series X and S, respectively. All information is correct as usual (nothing has changed in around 12 years when it comes to address info). If you can't hit that cut . for 24 months, the Xbox Series S will cost $660 with 2 years of Game Pass Ultimate. Does the 24-month Xbox Game Pass Ultimate membership have to go to whoever bought Xbox All Access? FREE Shipping. Thats absolute eons in next-gen console restock terms. Your all-inclusive pass to Xbox - Experience next-gen gaming with no upfront cost and everything you need to play. Let us help. Press J to jump to the feed. interesting, that would work for me. So its not a good idea right before you apply for a big loan, like an auto loan or a mortgage. Should you need such advice, consult a licensed financial or tax advisor. Granted, it's a good discount! 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. Xbox Series X, stutter/frame rate issue and most troubleshooting attempted. Xbox Series X On Xbox All Access. Considering Xbox Game Pass Ultimate typically costs $14.99 per month, the deal offered by Xbox All Access just became a little sweeter. Simply subscribing at full price each month is not the most cost-effective way to join. Unfinished Business Exotic quest - Destiny 2, How to get Polymorphic Shellcodes - Destiny 2, Lightfall Triumphs for Virtual Fighter Title - Destiny 2, Xbox All Access payment plan explained - Xbox Series X, Xbox Series S, United States Available at Best Buy, GameStop, Target, Microsoft Store, and Walmart. To enroll in the latter, you simply add it to your cart and buy it. 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 Klarna (the finance provider for all access in the UK) are notorious for rejecting people first time round irregardless of credit history/score. Theres also the fact that not every applicant will qualify for Xbox All Access. Starfield, Redfall, Forza, Fable, and Ukrainian-developed S.T.A.L.K.E.R. If you had decent credit you wouldn't have been rejected. 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. Well break it down bit by bit. Ive been doing this since 2018 and have never encountered a faulty code or had issues of any sort. Is it interest free? Care to explain how it's a rip off to sign up for Xbox All Access? Warranty: your console and controller/accessories are under Microsofts Limited Hardware Warranty Furthermore, if youve never tried Xbox Game Pass Ultimate before, you may not need it or even like it. Xbox All Access seems like a convenient, affordable way to start next-gen gaming. Press J to jump to the feed. The program used to include the Xbox Series S (the faster version of the old Xbox One) but that option has since been discontinued. If you have already made payments towards your Xbox All Access purchase, you will receive a check In all three cases, you might consider purchasing an Xbox One X instead of the Series X. With over six years in games journalism under his belt, Derek aims to further engage the gaming sector while taking a peek under the tech that powers it. use the arrow keys to navigate through the pivots and tab to focus on focusable content inside a pivot section. (Image credit: Alex Van Aken | Shutterstock), expensive, inconvenient premium subscriptions, MWC 2023 live blog: OnePlus Pad, Lenovo rollable phones, Honor Magic5 Pro and latest news, F1 Bahrain Grand Prix live stream 2023 how to watch the race free online, ChatGPT AI on a smartphone? Verizon is pleased to be partnering with Affirm and Xbox to offer Verizon customers the option to purchase Xbox All Access for a low monthly price, no upfront cost, and 0% APR for 24 months to qualifying customers.*. Citizens Bank will have you on the hook for the next two years, and a lot can happen in that time. for the amount that has been paid. Best of all, Microsoft is constantly adding titles to Game Pass. Thats a $59 savings, which you can then use to buy a new game that youve been looking forward to. This website uses the TMDb API but is not endorsed or certified by TMDb. for next-gen and everything it has to offer, Xbox All Access makes sense for you. That's a $60 savings over MSRP if you bought the Series S and Game Pass subscriptions separately. He enjoys everything from large-scale RPGs to small, bite-size indie gems and everything in between. 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. Dont get me wrong its awesome that they are offering this type of financing but I am going to gamestop to preorder and only putting $50 down then paying off the preorder every week till release. Does "guaranteed" mean you get one when new stock is available and new stock is reserved for existing All-Access members who have not yet ordered? Will my credit be impacted when I apply for financing for my Xbox All Access purchase? Loan Payoff Calculator: How Quickly Can You Repay Your Loan? 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. Microsoft is not extending credit and does not determine credit terms or eligibility. But does it also show on your credit profile that a new account was opened as a line of credit? 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. Advertiser Disclosure: The offers that appear on this site are from companies from which MoneyUnder30 receives compensation. will. Ive purchased Xbox All Access. Who Pays the Most For Video Game and DVD Trade-Ins? Do you need to make flexible payments instead of a lump sum? Normally, the . *. Game Pass Ultimate) =, Xbox Series X + 24 mo. Considering that my last Xbox One X went and died a few months after the one year warranty was up despite not seeing heavy use, I would caution that it may be worth using a credit card with an extended warranty benefit over financing. Xbox All Access is your ultimate gaming bundle. Thank you for helping us bring Xbox All Access to the U.S later . Xbox Series X and 24 months of Xbox Game Pass Ultimate starting at 20.99 a Month for 24 Months. 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. Your rate depends on your creditworthiness. You are using an out of date browser. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. At participating retailers; estimated retail prices and vary by console. 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. The financing is through Citizens One, and here are the terms. be returned within 30 days (or less, if the retailers return period is shorter). Microsoft says you can pay as low as $35 a month for an Xbox Series X, and as low as $25 a month for a Series S. That's only for well-qualified lendees. Their only solution was a refund and take your chances on getting another one when/if they come back in stock. Learn more at https://xbox.com/gamepass. Which one should i buy? However, theres an alternative to the blink-and-youll-miss-it restock madness, and its called Xbox All Access. Now can you translate that into English? The purchase is subject to the retailers return policy. In case you're not familiar with it, Xbox All Access is essentially a financing option, but for a game console rather than a bigger purchase, such as a car or a house. To recap: If you arent 100% certain that you can spend $35 per month for 24 months, or if you arent completely sold on the concept of Xbox Game Pass Ultimate, then Xbox All Access is probably not the right option for you. Game Pass Ultimate) =, Series S retail $299 + $360 (24 mo. Xbox All Access can save you money in the long run, but only if you plan to buy Xbox Game Pass Ultimate anyway. 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. 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. Understanding Overdraft Protection and Fees, Best Companies For Student Loan Refinancing in 2022, How To File A FAFSA As An Independent Student. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A. The Beginners Guide To Saving For Retirement. Xbox Game Pass Ultimate: 24-month subscription; game catalog varies over time, by region, by device. If youre new to Xbox, theres a whole back catalog of high-quality games in the 2013-2020 generation waiting for you for less than half of what youd spend on next-gen. Financing your Xbox through Citizens One bank is like financing anything else it can help or hurt your credit score. Is it worth it, or should you just pay cash? Nintendo Switch Controls for NBA 2K22 In this NBA 2K22 controls guide, we'll be going through the various controller options, the basic controls, and all of the advanced controls. With that out of the way, lets jump right in! Your statutory rights under any applicable consumer laws are unaffected. If you pay it off with in 90 days you only owe for the face value + $80. When you enroll in Xbox All Access, Microsoft opens a line of credit for you from Citizens One bank. Maybe youve been team Playstation this generation (enjoying Bloodborne). Xbox All Access operates like your monthly phone plan. 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. Liftforward has no customer service as far as I can tell. On its own, buying an Xbox Series X outright and then paying for Xbox Game Pass Ultimate (which is included with your All Access plan) will cost you around $858.76, give or take a few pennies. It keeps you on the hook for 2 whole years of game pass. Were here to go over all the details you need to know, so lets get started. With the best possible terms at $25/mo. Can additional items be added to my Xbox All Access purchase for a low monthly price? Learn more about Xbox Game Pass Ultimate at https://xbox.com/gamepass. However, youre going to lock yourself into a long contract, and may wind up saddled with services you dont want or need. In fact, it remains a solid deal as long as your credit is good enough to score you an APR less than 15%. https://www.verizon.com/gaming/xbox-all-access/. Reddit and its partners use cookies and similar technologies to provide you with a better experience. 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. 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. You can go ahead and apply for the program now via Walmart, while there are still Xbox Series X consoles in stock. For $35 per month, youre guaranteed an Xbox Series X and, as I write this, it has been in stock at Walmart (opens in new tab) for the better part of a day. Start right away Your Xbox Game Pass Ultimate membership will be waiting for you on your new console Xbox Series X The fastest, most powerful The initial credit check might drop it a couple points. 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 . https://support.microsoft.com/warranty. Xbox All Access may be cheaper than paying cash and subscribing to Ultimate for two years, but $650 or $900 is still a lot to spend on video games. It is a total disaster and I have wasted hours on trying to figure this out. 2 are all arriving in 2023 on next-generation consoles only, making the temptation to upgrade more potent than ever. Not sure where you stand? Investment Calculator: How Much Will You Earn? Xbox All Access seems like a convenient, affordable way to start next-gen gaming. Xbox Series X bundle: $34.99 per month for 24 months Xbox Series S bundle: $24.99 per month for 24 months Xbox One S bundle: $22.99 per month for 24 months There are currently three Xbox All Access bundles available: Series X, Series S, and One S. Thats because you can buy 100% legit Ultimate Game Pass subscription codes on eBay for up to ~80% off MSRP.