Titles range from AAA heavy hitters like Halo, Gears of War, and The Witcher 3 to indie darlings like Hollow Knight and Untitled Goose Game (yep, thats its name). 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. Ive been doing this since 2018 and have never encountered a faulty code or had issues of any sort. Just dont get something you cant afford within the 90 days otherwise you are paying out the ass. There's a lot of variables, but the short answer is yes, it's worth it for the Series S if you can get the best possible rate and plan to buy Game Pass Ultimate anyway. Getting Xbox All Access requires you to first be approved for a line of credit. 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 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). Game Pass . 2023 GAMESPOT, A FANDOM COMPANY. That was 2 weeks ago. 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? If its like the current access plan you get a gift card for the two years that you just add onto your current plan when you have a year or less left. Editorial Disclosure: This content is not provided or commissioned by the bank, credit card issuer, or other advertiser. To figure this out, we did some quick calculations based on the best possible month-by-month payment terms. why guess would be minimum 600's but with a decent length of history for ID verification purposes. In fact, the purchase does not even appear in your Walmart order history. Their only solution was a refund and take your chances on getting another one when/if they come back in stock. What all does that payment include? The Beginners Guide To Saving For Retirement. My credit snapshot: Credit lines: Over $600k total, highest credit line $80k, many at $25k+. Thirty-five dollars per month for 24 months comes out to $840 overall. "Somewhere beyond right and wrong, there is a garden. Having some finance and demonstrating that you can manage credit, will be more beneficial than a negative. It's OK unless you have an issue with the console. I am going to assume theres a hard hit which is ok. *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 Guilty Gear Strive releasing March 6 on Xbox/Game Pass, Rumour: Fable Reboot Is Miles Away While Xbox Focuses On Hellblade 2 And Avowef. Whatever balance is recorded on your statement date, is what's reported to the bureaus to determine your score. 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. Derek is absorbed with the intersection of technology and gaming, and is always looking forward to new advancements. While were normally leery of financing plans, Ive gone through the Xbox All Access fine print with a fine-toothed comb, and it seems pretty safe. FREE Shipping. Xbox Velocity Architecture: Experience next-gen speed and . But its important to remember that credit companies are excellent at hiding extra fees behind technicalities. So I was looking into the Xbox all access thing, and then I realized that it's based on a credit check. Of course, Xbox All Access is only good if it is actually available in your country. Experience next-gen speed and performance. If you do some more research its actually quite a rip off with how much you pay for everything after said and done. It's your friendly neighborhood Samurai Man. Things will really gear up with Project xCloud. https://support.microsoft.com/warranty. Your digital content will be delivered directly to your console during set-up; no codes required No. Initially your credit score may lower slightly, but the finance should help to increase it overall if anything. Microsoft is not extending credit and does not determine credit terms or eligibility. Cloud gaming (Beta): Server availability and wait times may vary; available in select regions and devices. 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. With no upfront cost, Xbox All Access has everything you need to experience next-gen gaming. All Access is a way to pay for a Microsoft gaming console over 24 monthly installments of $24.99. When you visit a participating retailer, you can expect the following steps to join Xbox All Access. Heres how to get the Xbox All Access experience for half the price. 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. Xbox All Access is Microsofts financing program for the Xbox Series X and S consoles. Assassin's Creed Odyssey or Valhalla? This means that some of the best games from EAs history, including Titanfall, Mass Effect, Battlefield, and Fifa have joined Game Pass as well as future titles. Marshall Honorof is a senior editor for Tom's Guide, overseeing the site's coverage of gaming hardware and software. for next-gen and everything it has to offer, Xbox All Access makes sense for you. You have to apply in-store at retailers like Walmart, Target, Best Buy, GameStop, and the Microsoft Store. 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. You can also get Game Pass access promotions with certain games and hardware. 1. Xbox All Access is your all-inclusive Xbox pass, similar to the Xbox Live Gold. --The Sandman. But does anyone know how that impacts your credit profile? 2 are all arriving in 2023 on next-generation consoles only, making the temptation to upgrade more potent than ever. The Xbox Game Pass Ultimate membership is included in the Xbox All Access purchase. Furthermore, if youve never tried Xbox Game Pass Ultimate before, you may not need it or even like it. For a better experience, please enable JavaScript in your browser before proceeding. Probably nothing too high, maybe 600-650 I would say. Get hundreds of games, including day one releases, plus a next-gen console all from $24.99/mo. Normally, the . 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. Please see a participating retailer for more information regarding financing for Xbox All Access. Game Pass Ultimate, Xbox Series S + 24 mo. 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. Xbox All Access is basically a credit loan you pay back over time. Best of all, Microsoft is constantly adding titles to Game Pass. If youve been playing your Xbox One for years and youre just. This monthly payment example is based on a total purchase price of $959.76, for an Xbox Series X console and 24 month Xbox Game Pass Ultimate subscription.^ Liftforward has no customer service as far as I can tell. Ive had UGP for years and have never paid full price for it. 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. I am obviously planning on paying monthly without missing any payments, but wanted to know if there is any viable was that my credit score will be hurt or changed? If you do qualify, the credit check will result in an inquiry that may impact your credit report. In addition to publishing personal finance advice, Chris speaks on the topics of positive psychology and leadership. On paper, Xbox All Access sounds great. You purchase it from Walmart who partners with Liftforward for BNPL (buy now pay later) financing programs. Normally, buying the Xbox Series S and 2 years of Game Pass Ultimate would cost you around $658.76. I saw somewhere that it gets paused while I'm on the access plan and then picked back up on the tail end? An Xbox Series X costs $500; an Xbox Game Pass Ultimate subscription costs $15 per month. for full terms and conditions. No credit check either all you need is a bank that they accept. xbox.com/subscriptionterms. Tom's Guide is part of Future US Inc, an international media group and leading digital publisher. Klarna (the finance provider for all access in the UK) are notorious for rejecting people first time round irregardless of credit history/score. Is There a Better Alternative to Xbox All Access? What happens to my current ultimate subscription? 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. Yes! 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. You might even be looking at your dusty Xbox One, thinking about an upgrade. Xbox All Access May Be a Good Fit for You If, Xbox All Access May Not Be a Good Fit for You If. JavaScript is disabled. Note, once converted Disclaimer: The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. While I dont want to be too cynical, credit companies generally make money by charging interest and fees. Do you often feel that expansions and DLC release way too late? If you don't qualify, your credit score will not be impacted. Anyone who has this program already and know this, I would appreciate an insight. See retailer for details. 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. Based on the tremendous value the service offers, Microsoft is clearly positioning the service as the be-all end-all experience on the platform. Nothing significant. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Please note, monthly payments will continue 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. For this reason, it is recommended you do not download any games until your account is verified. Europe's busiest forums, with independent news and expert reviews, for TVs, Home Cinema, Hi-Fi, Movies, Gaming, Tech and more. The bank pays Best Buy and you pay the bank. You can go ahead and apply for the program now via Walmart, while there are still Xbox Series X consoles in stock. 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. This particular line of credit comes exclusively through Citizens One, who require a separate application. Enrolling in Xbox All Access is a commitment to pay $906.94 total over two years. How it works: Qualify for Affirm financing and enjoy . It was last I checked when I tried signing up for something. Of course, a lot of this analysis sidesteps one important issue: right now, its nearly impossible to get an Xbox Series X without Xbox All Access, and relatively easy to get an Xbox Series X with it. The payment plan will also include a credit check, which will impact your credit. 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. 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. company number 03997482, registered in England and Wales. 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. To be perfectly honest, I was surprised to learn about the 0% APR, along with the lack of late fees and penalties. 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. Its worth noting too that Xbox All Access, like other financing opportunities, is subject to a credit approval of 630 and above. There's no hard credit check, which means your credit report won't be affected. 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. joining xbox all access is easy 1. Microsoft store said the credit payment wasn't available after I had already taken the hard credit score hit. We make every effort to maintain accurate information. 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. 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 All Access operates like your monthly phone plan. Read on to find out whether you should apply for All Access, or hold out for a more traditional restock. It started in 2018, after the . 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. 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 In all three cases, you might consider purchasing an Xbox One X instead of the Series X. Learn more. You want it to be under 30% ($750) or between 1%-9% ($25-$225) for max utilization points. Chris helps people under 30 prosper - both financially and emotionally. Experience next-gen speed and performance. (On the other hand, if it accepts your application, your credit score could improve by paying a small debt each month, so your mileage may vary.). I heard you need at least 690 fico. 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. Check back soon as were continuing to add more retailers. 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. What else does it include? To illustrate, on BestBuy.com theres a listing for the $500 console and a listing for Xbox All Access. Support said take it back where you bought it, so back to Best Buy we went. Privacy Policy. Maybe youve been team Playstation this generation (enjoying Bloodborne). Considering Xbox Game Pass Ultimate typically costs $14.99 per month, the deal offered by Xbox All Access just became a little sweeter. All of this is by careful design and this is just the beginning of Microsoft's evolved push. I'm guessing you are using a recognised site, Microsoft, Smyths, Game etc? For the uninitiated, Xbox Game Pass is like Microsofts Netflix for games. Theres also the fact that not every applicant will qualify for Xbox All Access. This content is not provided or commissioned by the bank, credit card issuer, or other advertiser. They don't want new in the USA people buying these and selling them overseas. Whats the catch? See Ultimate terms at: However, additional items can be purchased separately. 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. Your statutory rights under any applicable consumer laws are unaffected. They will run a hard pull on your credit. With the best possible terms at $25/mo. I've a 577 with $7300 in collections and they approved me. Another option you can check is progressive leasing at Best Buy. No. 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. This site may be compensated through the bank, credit card issuer, or other advertiser. 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. Still, if you do get Xbox All Access, just remember to pay on time, and in full, every month. Either way, be responsible when choosing between buying upfront or over time and take everything into account before signing any agreements. 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. Power your dreams - Xbox Series X, the fastest, most powerful Xbox ever. Can I return or cancel an Xbox console/bundle purchased with Xbox All Access? 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. Basically, all three parties involved: Walmart, Liftforward and Citizens, point to each other and nobody takes responsibility for the customer. ^ With no upfront cost, Xbox All Access has everything you need to experience next-gen gaming. Klarna offers a flexible way to pay for smaller purchases.