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[UnNamed]

I don't think videogame forums are very representative of what people want.
People who don't really care about games, people with a minimum wage, people who have to buy a console for their sons, so people very distant from the typical vg user, will perceive All Access as buy an XBOX with a payment plan and free games.

 

[NullZ3r0]

Hasn't this existed for quite some time?

Didn't make a dent last gen.

Yes, as a test by Microsoft. This gen they are going to be pushing it hard at Best Buy, Target and especially Walmart.

 

[turtlepowa]

I think it can be huge, especially because of cornona, but i also think GAF is the wrong site for such a poll for multiple reasons.

 

[ZywyPL]

It's really tempting, for 25/35$ per month, which is basically nothing, you get the console AND Gold AND GP Ultimate AND EA Access, the offer is too good to not to take it. it's like Gears 2, it's almost too good

 

[Sakura]

Taking out a line of credit for a video game console is stupid. It's 300 or 500 dollars. If the only way you can afford that is monthly payments, then honestly you should be saving your money and prioritizing it elsewhere. Just because there is no interest doesn't mean it is a good deal. You are paying 600 dollars (in the cheaper case) for a 300 dollar console. Yeah you get gamepass, but how many gamepass games do you think a new console is going to have? What if half way through you can't afford it any more, or just aren't using it any more? I haven't turned my Switch on in months. Imagine if I was sitting here paying 25 bucks a month for it like an idiot.

 

[Three]

It will be huge, how do you think most people purchase $1000+ cell phones. I personally won't use it but you know there is a huge population our there that will regardless of what a GAF poll shows.

These all access plans existed for the xbox one and xbox one x. Most people don't put a games console on finance. You end up paying more.

 

[JLB]

Financing a $300-$500 product is foolish, If you don't have the funds to pay that upfront you probably shouldn't be buying this day one because that will just be another monthly bill.

I guess you live in a country where inflation is not a thing.

 

[JLB]

I'm not poor why would I need to finance a console.

It has nothing to do with being "poor", monthly payments are absolutely normal on pretty much all the world.

 

[Soulja]

Is it possible to just get the console without the 2 years of ultimate?

 

[octiny]

Huge in my eyes. Not me personally, but I can see this swaying those who wouldn't otherwise be upgrading to next-gen right away.

 

[jshackles]

Is it possible to just get the console without the 2 years of ultimate?

Sure, you just have to pay $299 / $499 up front. Or finance it through other means.

 

[MatrixReloaded101]

These rent-to-own things are a scheme to get poor people to pay more for products.

Bingo!

I don't think videogame forums are very representative of what people want.
People who don't really care about games, people with a minimum wage, people who have to buy a console for their sons, so people very distant from the typical vg user, will perceive All Access as buy an XBOX with a payment plan and free games.

The types of people that use these forums are smart and have money. (Have you seen the setup threads)

The advice that is being given here is actually very solid advice but you are right, unfortunately most people will only look at things from a short sighted view which is why a lot of them are in those bad economic situations in the first place.

I have been broke once and even in that situation I would never finance a video game console for my kid.

And for the people that are saying "due to the pandemic people are broke and need cheaper options". Video games are the last thing on peoples minds in that situation. There is no real rush to own any of these consoles at launch.

 

[MiguelItUp]

It's a great option for people that want to get it and can't afford to shell out the cash for it.

 

[Miyazaki’s Slave]

I have banked almost 2 years of GPU already so not much of a draw to pay the additional cost for the console. If I was not already in the ecosystem and lived on a fixed income or didn't have an established job path this would be a great deal! It is great that they offer it and they know the demographic that will take advantage of it is large enough to make it profitable in the long run.

 

[Werewolfgrandma]

Financing a $300-$500 product is foolish, If you don't have the funds to pay that upfront you probably shouldn't be buying this day one because that will just be another monthly bill.

It's easier to pay a 35$ bill then save 35$

 

[FunkMiller]

If it didn’t shift the dial this gen, why would it for the next?

 

[michaelius]

What exactly is supposed to be big deal here? I had options to buy PSV or PS4 or Xone from my ISP provider or from my mobile company years ago instead of phone in their plan.

Also most of big chains are running various forms of 24/30/40/50x0% financing plans for pretty much any electronic device (laptops, consoles, phones, tvs , fridges, washing mashines etc) regularly - is it different in America ?

 

[tillbot8]

More options and less barriers to entry is always a good thing for consumers!

 

[Golgo 13]

It’s a decent proposition but in practice it eliminates a ton of people with average to poor credit. Those with good credit can get what they want anyway. So sure, it’s a nice option, but it won’t be as wide-ranging as it sounds like it could be.

 

[reinking]

It is a good option for easy mode where someone can budget that specific amount. IMO, other interest free financing options are better because you can still take advantage of sale prices and promos for Game Pass. For example. CD Keys currently has 3mo GPU for $10 off (or at least they did this morning). Amazon has already had GPU at BOGO no that long ago.

 

[Zekra Dezivad]

Here it's a standard practice for almost every type of goods. Sometimes chains make very good deals like 0 interests.

 

[Schmick]

Its 0 interest folks. Yes you can save £25 each month and wait to save up the money to buy it up front or you can just have the console straight away and pay £25 a month. Just like you would if you were saving. And you get GamePass, xCloud, Gold and EA Play in the mix too.

 

[T-Cake]

It's my route to being greedy. I can buy one of them outright (PS5) and get the other (XSX) with this plan. What's not to love about that.

 

[VisualFidelity]

Does anyone know if you choose the financing option if they allow you to pay it off early?

 

[T-Cake]

Does anyone know if you choose the financing option if they allow you to pay it off early?

It does say somewhere that there are no early repayment fees so, I guess so.

 

[Drunkensamurai]

It could be a big deal because of the pandemic this has been around since Xbox 360.

 

[VisualFidelity]

For those that want a series x, purchasing the console and buying a couple games that are not on game pass like call of duty and assassin's Creed Valhalla would run you close to $700. Using all access financing, you could buy those games on day one and only fork out 120 bucks and you have everything ready to go and can pay off the console few months down the road when you get Christmas money lol

 

[Punished Miku]

It’s a decent proposition but in practice it eliminates a ton of people with average to poor credit. Those with good credit can get what they want anyway. So sure, it’s a nice option, but it won’t be as wide-ranging as it sounds like it could be.

That was my take on it as well. The entire usefulness of this program will depend on the credit check and how quickly people can easily sign up for it.

 

[VisualFidelity]

If it didn’t shift the dial this gen, why would it for the next?

Because in the past big retailers like Walmart and Best buy were not offering it, and it wasn't really marketed either. they are pushing it hard this time and we are in a pandemic with unemployment at an all-time high. Timing and marketing is everything

 

[FloatingIslands]

It would be a huge deal if they release it in third world countries.

Majority of the things that people buy here is through financing

Everyone goes crazy if there's 12 months financing. 24 months is paradise.

It's a way of buying things cheaper because of the high inflation rates

 

[nyr88nyg]

How many of those 150 games are good though?

 

[Kagey K]

How many of those 150 games are good though?

It’s actually like 275 games on there right now, but none of them good I guess.

Here’s a question how many of them would you say need to be “good” to be worth 15/month?

 

[Pidull]

It's an incredible deal and has me tempted to buy into it (except I'm going PC/Nintendo henceforth).

It's not like a normal financing deal as far as I'm concerned, you don't really pay more money for the product, unlike most other financing deals. The argument could be made that you're paying less in the first couple years of the product.

Broken down:

• GamePass ($10/month) - $120 per year
• Xbox Live Gold ($25/quarter or $10/month) - $100/$120 per year
• Xbox Series S/X - $300/$500

If everything was separate? $740/$780 for a Series S over two years, or $940/$980 for a Series X. Hell, if you forgo GamePass and only get Xbox Live Gold, you're still spending $500 or $700 without any games.

Get GamePass ultimate and a console? $660 for a Series S over 2 years, or $860 for a Series X.

With financing at $25 or $35 per month for 24 months, you're spending a total of $600 or $840.

You're basically saving at least $60 for a Series S or $20 for a Series X.


This is huge for the people who live paycheck to paycheck and no money management, without totally fucking them over. Granted they probably shouldn't be buying new consoles/games in the first place...

 

[NewYork214]

Will there be a credit check. I work at an ATT and the people who need these programs the most, can never do it due to shitty credit.

 

[StreetsofBeige]

Pass.

I'll wait for a Costco bundle. Game consoles are not classified as electronics so they have an indefinite return policy if it bricks.

I'll probably just give my Xbox One X to a friend or fam member. Or dump it at EB for credit and get a MS Xbox $ card.

 

[Maxwell Jacob Friedman]

It will be huge, how do you think most people purchase $1000+ cell phones. I personally won't use it but you know there is a huge population our there that will regardless of what a GAF poll shows.

Cell phones and consoles are different heres why: when you lease a phone you can use that phone to upgrade to the next one much like a car, lease is up they will upgrade you. Are they going to upgrade me to the Series X, Y or Z? phones unlike consoles are a necessity in todays day in age, also if you lease a phone and dont pay what do they do? They cut your service, whats going to happen if someone doesn't make their monthly payments, is "that man" Phill Spencer coming to your door to get your xbox?

 

[h00ters]

The local cell phone provider who is offering it here in Australia has been running it for the past year or so with the One X. Not sure how much success they've had with it but they advertise it quite heavily so there may be a bit of take up.

I think the big struggle will be to get into the psyche of the public to change their thinking around how to purchase a console. I have no problem paying monthly installments for my phone but the idea about doing it for my console just feels a little foreign and weird, even if it does make sense from the perspective of the time value of money.

 

[Sir Vilhelm]

Cell phones and consoles are different heres why: when you lease a phone you can use that phone to upgrade to the next one much like a car, lease is up they will upgrade you. Are they going to upgrade me to the Series X, Y or Z? phones unlike consoles are a necessity in todays day in age, also if you lease a phone and dont pay what do they do? They cut your service, whats going to happen if someone doesn't make their monthly payments, is "that man" Phill Spencer coming to your door to get your xbox?

Ya no

Cell phones are $1000+ while the X is $500. Cells phones come out each year were consoles stick around multiple years.

 

[ReBurn]

If there's zero interest rate attached to the program then then there's no reason to not finance it. Over two years it'll probably save you a dollar or two when pressed against inflation rates. You just have to be on board with paying for two full years of GamePass whether you like the service or not. If that's not what you want then this isn't as great of a deal.

 

[VisualFidelity]

You will actually save money using all access financing....

"Shoppers will also be able to opt for Microsoft's Xbox All Access plan through GameStop. Available for both the Xbox Series X and Series S, Xbox All Access allows you to make payments over a 24-month period, costing $35 per month for the Series X and $25 per month for the Series S. Xbox All Access also includes Xbox Game Pass Ultimate, and because of that perk, it's actually cheaper to opt for the All Access plan rather than buy the console and subscription separately, saving you $59 on the Series S and $19 on the Series X. Xbox Series X and Series S pre-orders go live on September 22, so you'll likely be able to sign up for Xbox All Access then as well."

 

[Redlight]

Unfortunately All Access is badly compromised in my country but I'd be sorely tempted if it wasn't. Paying it off a small amount per month would almost feel like getting it for free.

 

[ZywyPL]

I don't think many of you guys understand how this sort of financing works, it's not about saving money, not at all, it could've been 700$ instead of 500 over the course of 2 years and many people wouldn't bat an eye, it's all about not needing to pay the full price up front, people who earn like 1200-1600 euro/dollars can't afford to throw few-couple of hundred bucks on a toy the basically, or any electronic gadget that's not essential for living, but 20, 30, 50€ on a monthly basis all of a sudden makes everything affordable, withing people's reach, even if in the long run it will be more expensive. People live from paycheck to paycheck, and that kind of financial plan fits that just perfectly.

 

[Tulipanzo]

It's a scam. You're paying double the price of the console, which will be far cheaper by the time you're done paying. By year 2 the console you just finished paying $600 is going to be $200 or less. Poor people get shafted by this deal.
GP Ultimate being available for $1 means you're also paying out the ass for that too.

The implementation is incompetent too:
- Most countries are cut off, with most having one retail partner and nobody else. Most people won't ever even hear of the offer
- MS is making no games, making transitioning early on useless
For this to have a shot at impact, it would be standard everywhere XBox is sold, and be far less pricey.

 

[M1chl]

It's a scam. You're paying double the price of the console, which will be far cheaper by the time you're done paying. By year 2 the console you just finished paying $600 is going to be $200 or less. Poor people get shafted by this deal.
GP Ultimate being available for $1 means you're also paying out the ass for that too.

The implementation is incompetent too:
- Most countries are cut off, with most having one retail partner and nobody else. Most people won't ever even hear of the offer
- MS is making no games, making transitioning early on useless
For this to have a shot at impact, it would be standard everywhere XBox is sold, and be far less pricey.

Yeah but you have the console "now". I think for kids for example it's really good thing.

But then again, it's probably not available in countries when such service would be needed for growth. If it would be some poorer country, MS could get massive boost in users, imo.

 

[Deleted member 775630]

I'm not poor why would I need to finance a console.

You don't need to be poor to do this. You can apply the same principles as when you are buying a house. Just because you can drop that amount of cash in 1 time doesn't mean you should do this, since your investments will outrun the payments for the bank loan. Obviously we are talking about only 840$ max over 2 years, so we're talking about maybe $50 extra you can get out of it.

 

[Fart Knight]

No because it probably wont be an option here. And Im a stunna ya dig.

 

[DavidGzz]

It will be huge, how do you think most people purchase $1000+ cell phones. I personally won't use it but you know there is a huge population our there that will regardless of what a GAF poll shows.

Yep, I have a small gaming group on Facebook for local gamers and 3 people have already said that is how they are getting one since they already pay the $15 a month for Game Pass. What's weird, is that I thought they were pretty savvy and would have taken the $1 deal like I did until 2023 but they didn't. I think WAY more people are paying month to month than we all realize. All access will be a no brainer for them, especially when it actually saves them a little money.

As far as the poll, I have the money set aside for an X, an S, and a PS5 with all the fixings cause I ain't no fangirl.

 

[BabyfaceRe]

Atleast people who voted to buy the PS5 no matter the price difference are wearing thier fanboy pride on thier sleeves .

 

[smbu2000]

Well it could be helpful to a lot of people. I’d imagine many people will buy a console with their credit cards and those usually don’t have 0% interest.
Having a huge library of games ready to play will be nice if you get this as you don’t have to worry about paying a lot for many games while you subscribe unless you want to.

Some people might want to use it to help build up their credit rating/history as well for future use when purchasing other things in the future.

 

[Sethbacca]

The poor folk the financing is aimed at likely don't have the credit scores to even take advantage of it.