Here’s how to get a new Surface device with low monthly payments

By: Costea Lestoc
2 minute read

Microsoft recently launched the Surface Plus program, aiming to make buying Surface devices more affordable. This new program involves flexible options targeted at helping more businesses and individuals to take advantage of the Surface’s power. It’s a mix between zero-percent financing and an 18-month update cycle.

For instance, users can get a Surface laptop on a 24-month finance with 0% interest charged and then they have to upgrade the device to the latest version every 18 months.

The Surface Plus program: Who benefits from the offer more?

The numbers will be in Microsoft’s favor because when you upgrade to the latest model after 18 months, the company will require that you return the previous functional device in an optimal condition. In other words, you have made 18 months of payments for a device that you will no longer own. The new device, on the other hand, will be sold to you at its full price under the same 24-month interest-free finance agreement.

This means that you can save more money by selling your original Surface on the second-hand market than buying the latest model on a fresh contract.

The finance agreement needs close attention

Microsoft describes the interest-free period as being a promotional one that applies only to accounts with financing service Klarna held up to the 24-month period. In case you miss a payment, or if you fail to pay the balance off at the end of the 24 months, the interest will jump to 19.99% APR.

The Surface Plus for Business program

Surface Plus for Business was also announced and here’s what you need to know. Based on the consumer Surface Plus program, the business option provides more flexibility. It includes 18, 24, or 30-month financing terms and a reduction to 12 months for upgrade eligibility on the 18-month contract. This variant has no interest applicable, and it also covers the full Surface range including the Surface Studio and the Surface Hub families.

For now, both the Surface Plus and the Surface Plus for Business programs are only available in the US. We don’t have any information if they’ll ever go international.

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