A fan-based community featuring the latest Xbox platform news! This particular line of credit comes exclusively through Citizens One, who require a separate application. Your account will allow you to load up to 36 months. 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. 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. Finance a Series X on a new, 0% APR rewards card with a $150 signup bonus: ($500 + 8% tax) $150 = $390, 2. Xbox Game Pass Ultimate: 24-month subscription; game catalog varies over time, by region, by device. Conversely, Xbox All Access is $300 over the base MSRP of an Xbox Series S. With the same terms at $35/mo. 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. 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). To illustrate, on BestBuy.com theres a listing for the $500 console and a listing for Xbox All Access. First and foremost, the Citizens Bank line of credit is not nearly as punishing as a traditional credit card would be. 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. However, all credit card information is presented without warranty. From the limited DPs I read this appears to be a . Does Microsoft provide the financing for Xbox All Access? While it has an excellent library of games, those games rotate in and out frequently, meaning you might be better off just buying the games you want outright. What else does it include? However, it makes much more financial sense to just purchase the $499 console upfront and buy some Ultimate Game Pass codes on eBay. Applying for a new credit score may temporarily lower your credit by a few points, and. 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, $360 every 2 years). For a better experience, please enable JavaScript in your browser before proceeding. Enroll with ease Qualify and enjoy low monthly payments, with nothing due today^ 3. If you have high debt then the hit will be bigger, but 800$ or whatever the All Access is shouldnt hurt you all that much. $0 down, 0% APR is an impressive offer, especially considering that youll end up paying less to finance your new console plus Ultimate Game Pass than you would by purchasing those items separately. I read through the fine print on the Xbox All Access agreement with Citizens Bank, and I generally liked what I saw. Your all-inclusive pass to Xbox - Experience next-gen gaming with no upfront cost and everything you need to play. All information is correct as usual (nothing has changed in around 12 years when it comes to address info). Unbox your new console and start playing hundreds of games with Game Pass Ultimate its included with Xbox All Access. Game Pass Ultimate) =, Series S retail $299 + $360 (24 mo. Im including 8% sales tax, but the tax will differ depending on where you live. Anyone who has this program already and know this, I would appreciate an insight. Might also be worth checking a site like Experian to see if there are any issues with your file, address conflicts etc. It can be extremely enticing not having to worry about all of the money upfront, but just remember that youll have either $24.99 or $34.99 coming out of your bank account each month for the next 24 months. What happens to my Xbox Game Pass Ultimate membership if I return my Xbox All Access purchase? In all three cases, you might consider purchasing an Xbox One X instead of the Series X. Ive owned every Xbox since 2003. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Xbox All Access: Xbox Console & Over 100 Games | Xbox Credit Score Calculator: Get Your Estimated Credit Score Range. Score is 835, no marks on history, no other credit checks this year. 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. You have to apply in-store at retailers like Walmart, Target, Best Buy, GameStop, and the Microsoft Store. I could easily be approved for crazy huge loan amounts (not that I want to until I start investing in real estate). The Xbox Series X console or Xbox . 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. 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). Xbox All Access Misleading and I feel Scammed! Which one should i buy? What Is Xbox All Access and Should You Use It? - Gizmodo -9%$26995$299.90. Thirty-five dollars per month for 24 months comes out to $840 overall. Xbox All Access operates like your monthly phone plan. Based on the tremendous value the service offers, Microsoft is clearly positioning the service as the be-all end-all experience on the platform. How do I redeem Xbox Game Pass Ultimate? The no. 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. Xbox All Access FAQ | Xbox Support Xbox Game Pass Ultimate memberships are limited to 36 months. Xbox all access, what credit score is needed? Xbox All Access for Xbox Series X, Series S: Everything you need to While we do our best to keep these updated, numbers stated on our site may differ from actual numbers. I have perfect credit, long credit history w/o any issues in the years, plenty of income, etc. For physical series x and Xbox one games what version of the game is on the disc? You apply for a line of credit with Citizens Bank (opens in new tab), which charges you $35 a month for 24 months. Select an Xbox console. Didn't find much DPs on Citizens One Line of Credit so thought I would post this. The program used to include the Xbox Series S (the faster version of the old Xbox One) but that option has since been discontinued. 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.*. Microsoft Microsoft Xbox All Access - Xbox Series X No reviews Check compatibility Call Play videos Color Black Price $34.99/mo Financed with affirm. to Xbox Game Pass Ultimate, Xbox Live Gold and other Game Pass memberships cannot be unconverted. I even purchased the Xbox 360 and Xbox One on launch day. And since Ive recently gotten addicted to Assassins Creed: Odyssey, Ive just let my UGP subscription lapse. Let us help. Visit a participating retailer online or in store to join Xbox All Access today. Furthermore, if you miss a payment, you supposedly wont face any additional fees or interest at least for the first two years. There's no hard credit check, which means your credit report won't be affected. The pre-qualification was a SP but they did do a HP on Equifax when I actually submitted the app. Whether or not Xbox All Access is worth it comes down to three things: Is it feasible for your credit? balance is more than 12 months, please wait until your existing membership has a prepaid balance that is less than 12 months before redeeming the 24-month Ultimate membership through Xbox All Access. I think this is a total scam. Xbox All Access gives you everything you need to get into gaming with Xbox - not only an Xbox Series X or Xbox Series S console, but also a library of over 100 high-quality games for console, PC, phones, and tablets with 24-months of Xbox Game Pass Ultimate included. Total Cost: $839.76. Having a good credit score can help you qualify for financial products at lower interest rates. For more information, please see our 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. Loan Payoff Calculator: How Quickly Can You Repay Your Loan? And there's no need to wait for your current membership to expire. Was purchasing a treadmill through Sole, got pre-approved via a SP for a $3,000 LOC 12 months 0% APR and accepted it. Plus, you get all new Xbox Game Studios titles the same . This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). for full terms and conditions. I'm guessing you are using a recognised site, Microsoft, Smyths, Game etc? Simply subscribing at full price each month is not the most cost-effective way to join. I have had about 5 new accounts, and Equifax had i think 3 hard pulls at time of application. 1 drawback to Xbox All Access is that it locks you into paying (essentially) full price for 24 months of Ultimate Game Pass. It started in 2018, after the . As you set up your new console, youll be prompted to redeem the Digital Direct offers that come with it. Heres how it works. As such, youre essentially getting $860 worth of goods for $840. Considering Xbox All Access includes Game Pass Ultimate, you're actually saving money going this route. What happens to my current ultimate subscription? New to Shacknews? There's a minimum payment, and as we mentioned above, it'll vary from person to person depending on their individual credit. In fact, the purchase does not even appear in your Walmart order history. 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. You should be fine as long as your credit isn't bad. This website uses the TMDb API but is not endorsed or certified by TMDb. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. until the remaining balance for your Xbox All Access purchase is paid in full, even if your Xbox console is not working. With Xbox All Access, you are purchasing the console and the entire 24-month Xbox Game Pass Ultimate membership from the retailer at the time of purchase. Does anyone here have it, if so what score was needed? 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. If you do some more research its actually quite a rip off with how much you pay for everything after said and done. Of course, Xbox All Access is only good if it is actually available in your country. In the US, Xbox All access finance is provided by Citizens One, so you need to open a Citizens One Line of Credit. Xbox All Access is a 24-month financing program that signs you up to a contract, giving you an Xbox Series X or Xbox Series S for a low monthly . They must have loosened up their requirements. Get hundreds of games, including day one releases, plus a next-gen console all from $24.99/mo. (xbox.com/digitaldirect). Microsoft - Xbox Series X Xbox All Access | GameStop Your Xbox Series X|S is yours to enjoy forever. Ive had UGP for years and have never paid full price for it. Experience next-gen speed and performance. Tom's Guide is part of Future US Inc, an international media group and leading digital publisher. You purchase it from Walmart who partners with Liftforward for BNPL (buy now pay later) financing programs. Xbox All Access Is Live Now: How You Can Get a New Xbox One and - IGN Xbox Series Pre-Orders Are Hurting Credit Scores After Retailers Cancel 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. I got rejected by citzens credit for an All access. - Xbox Series X Hunting for Xbox Series X restocks right now is, charitably, an absolute nightmare. Furthermore, you can find the "Troubleshooting Login Issues" section which can answer your unresolved problems and equip you with a lot of relevant. 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. He hopes to one day explore the stars in No Man's Sky with the magic of VR. 2023 GAMESPOT, A FANDOM COMPANY. Things will really gear up with Project xCloud. Get instant access to over 100 top-quality games for PC, console and online multiplayer. Support said take it back where you bought it, so back to Best Buy we went. Save $59.99 with Xbox All Access 2. To illustrate, on BestBuy.com theres a. for Xbox All Access. The No. ^With approval of Citizens Pay Line of Credit at 0% APR and 24-month term. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Investment Calculator: How Much Will You Earn? If a return is applicable to your purchase, and you return your Xbox All Access purchase, your account will be credited appropriately. If you go over 90 days you will have to pay over $1100 in a 12 month period. Naturally, getting a Series X sooner or later was a no brainer. It's your friendly neighborhood Samurai Man. Came in the mail 2 or 3 days later. Amazon.com: xbox all access cheaper ways of enjoying Xbox, which Ill elaborate on in my personal take below. In case youre 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. Start a game on your console and keep playing it from the cloud on a supported phone, tablet, or PC. Yes, you own the Xbox console purchased with Xbox All Access. Check Your Free Credit Score in Canada | Borrowell to finance your new console plus Ultimate Game Pass than you would by purchasing those items separately. With that out of the way, lets jump right in! 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. for 24 months, the Xbox Series X would cost a total of $860. 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. *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 Xbox All Access: What It Is and How to Use It - Lifewire Luckily, Microsoft still offers a program called Xbox All Access a financing program to make the new console experience appear more affordable. Ive purchased Xbox All Access. Your Xbox Game Pass Ultimate membership will be waiting for you on your new console. A good credit score in Canada is any score between 713 and 900. Credit scores in Canada range between 300 and 900. 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. Thats honestly pretty amazing, considering financing virtually every other asset on the market (home, car, etc.) Thats because you can buy 100% legit Ultimate Game Pass subscription codes on eBay for up to ~80% off MSRP. Do you often feel that expansions and DLC release way too late? Xbox All Access includes the console plus 24 months of Xbox Game Pass Ultimate which itself has received an impressive next-gen upgrade. "Can't wait to count out your coin!" Xbox Series X now available through All Access at - MobileSyrup Xbox All Access costs $34.99 and $24.99 per month for the Xbox Series X and S, respectively. Thanks to Microsofts cross-gen support itll play many next-gen. to pay $906.94 total over two years. We may earn an affiliate commission. FREE Shipping. 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. Normally, the . 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. The payment plan will also include a credit check, which will impact your credit. If you decide not to redeem them then, the offers remain on the console until theyre redeemed. 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. ALL RIGHTS RESERVED. I also love Ultimate Game Pass. In all three cases, you might consider purchasing an Xbox One X instead of the Series X. So Xbox All Access is not a good option if you just want to try next-gen gaming, since its a near-$1,000 financial commitment. A Citizens One Line of Credit lets approved customers buy a console with Xbox All Access for a low monthly price and no upfront cost. Microsoft has also added EA Play to Xbox Game Pass. 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. 1999-2023 Tweak Town Pty Ltd. All Rights Reserved. Xbox All Access is a foolproof way to get an Xbox Series X - Tom's Guide 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. 700 is by no means great, but you're still BSing. Ionno I guess living on the edge is starting to hurt me. Play hundreds of games with Game Pass Ultimate on a brand-new console. 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. Complete upgrade purchase: Purchase Xbox Series X or Xbox Series S with Xbox All Access at Best Buy (subject to availability). That's a $60 savings over MSRP if you bought the Series S and Game Pass subscriptions separately. Cookie Notice 3. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. That's a smaller and more meager $20 savings over MSRP. Xbox All Access is simple and easy to understand, but inflexible. CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. What is Xbox Game Pass Ultimate and what are its benefits? 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. I heard you need at least 690 fico. You will not incur any additional costs if you miss the $35 monthly payment for any of the 24 months in the contract. You are using an out of date browser. Nor can you add an extended warranty on your console. And what are some alternatives? why guess would be minimum 600's but with a decent length of history for ID verification purposes. How does my score get impacted if I pay it off early, if its possible at all? You can use All Access to purchase Xbox Series X or Series S hardware. I've a 577 with $7300 in collections and they approved me. I think my credit score is 802. If your console malfunctions after that one-year period (or your controller or accessories malfunction after 90 days), you would be responsible. 1. If you dont need those options, you can buy a cheaper Xbox-only Game Pass subscription. Microsoft wanted $250 to replace it . Is it interest free? Create an account to follow your favorite communities and start taking part in conversations. If you go over 90 days you will have to pay over $1100 in a 12 month period. Care to explain how it's a rip off to sign up for Xbox All Access? Thats honestly pretty amazing, considering financing virtually every other asset on the market (home, car, etc.) See our Privacy Policy & Disclaimer for more details. 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. If you factor in the one-month free trial, you can have an Xbox Series X plus 24 months of non-Ultimate Game Pass for just $787 after taxes, a sizable ~$120 savings off of 24 months of Xbox All Access. For the uninitiated, Xbox Game Pass is like Microsofts Netflix for games. But making the payments on time will raise your score and make your overall credit profile more appealing to lenders. What is the Series x/s controller communication protocol when plugged in does it still transmit radio waves ? With Xbox All Access, you own the console and 24-month Xbox Game Pass Ultimate membership outright upon purchase. Xbox All Access Financing and Citizens One Line of Credit Questions Citizens One has no fees, but late payments may be reported to the. The Beginners Guide To Saving For Retirement. Start here. If you want an Xbox Series S, you can get one at GameStop for $300 (opens in new tab) right now.). Somone said it was a pre approval thoigh so I'll look into it more. Swedish financial technology company Klarna is handling the credit payment process for the Xbox Series X and S All Access Packages in the UK, a bundle that allows customers to purchase a. Thank you for helping us bring Xbox All Access to the U.S later . Xbox All Access has everything you need to experience next-gen gaming. General Disclaimer: See the online credit card application for details about terms and conditions. Plus, play new games on day one so you never miss out. 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? AVForums.com is owned and operated by M2N Limited, Now that we've gotten that out of the way, let's talk about whether or not Xbox All Access is worth doing. They aren't even giving it away, just discounting it if you buy a new console and commit to two years. Xbox All-Access Xbox One S All-Digital - $19.99 per Month; . All-Digital and Disc-Free: Go all-digital and enjoy disc-free, next-gen gaming with the smallest Xbox console ever made. Guilty Gear Strive releasing March 6 on Xbox/Game Pass, Rumour: Fable Reboot Is Miles Away While Xbox Focuses On Hellblade 2 And Avowef. What is Xbox all access & how does it work? Price, perks to know for Xbox All Access provides a new console plus 24 months of games and multiplayer for a simple monthly price. For speaking inquiries, check out. You can go ahead and apply for the program now via Walmart, while there are still Xbox Series X consoles in stock. Source: eBay listing by seller esquared2018. Theyll need to verify your Xbox All Access account, console serial number and He comes from a science writing background, having studied paleomammalogy, biological anthropology, and the history of science and technology. Visit a participating retailer online or in store to join Xbox All Access today. And if you plan on gaming online, Game pass isn't an option, it's a requirement. 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. 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. Disclaimer: The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. The purchase is subject to the retailers return policy. Normally, buying the Xbox Series S and 2 years of Game Pass Ultimate would cost you around $658.76. -- Bethesda, 2018. Xbox All Access is your all-inclusive Xbox pass, similar to the Xbox Live Gold. Marshall Honorof is a senior editor for Tom's Guide, overseeing the site's coverage of gaming hardware and software. Enjoy new games on day one from Bethesda Softworks, Xbox Game Studios, indie studios, and more. "It's All There" with Xbox All Access - Xbox Wire For the Xbox Series X and S, that time is now. Xbox All Access - Game Granted, it's a good discount! Complete your Xbox All Access upgrade in four easy steps: 1. (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. When resetting your console, You'll receive a statement each month, and Citizens One recommends setting up automatic payments to ensure that your bill is paid on time. In most cases you're going to save money on two years of. If youre struggling in that department, make sure you, 24 months of Xbox Game Pass Ultimate (24 x $14.99). for 24 months.^ Get it all. Whats the catch? around $63 versus purchasing the console and Xbox Game Pass Ultimate separately. See retailer for details. Considering the pandemic-stricken economy, pervasive student loans, and eye-watering inflation, $499 + $70 per game is a lot to invest in some 4K escapism. Azure Free Account - includes 1 year of free services and $200 credit for the 1st month. Advertiser Disclosure: The offers that appear on this site are from companies from which MoneyUnder30 receives compensation. 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. That means no extended warranty, no physical games, no bonus controller, or any other bonuses. will cost you money in interest. So yes. Does the 24-month Xbox Game Pass Ultimate membership have to go to whoever bought Xbox All Access? Heres a little math to help explain it. Xbox All Access Offer Terms And Conditions | Xbox Repairs / Warranty / Hardware Troubleshooting. Plus, play new games on day one so you never miss out.