Microsoft’s new Surface Plus program takes a page from the wireless carriers’ playbook: it allows consumers to get a Surface Laptop, Surface Pro (2017), Surface Book, or Surface Studio with interest-free payments spread over two years. Or buyers can choose to upgrade after eighteen months.
For example, a Surface Pro with Core m3 processor, 4 GB RAM, and 128 GB storage is $799, but with the Surface Plus program it’s $33.29 a month for 24 months instead.
The monthly cost is simply the price of the Microsoft computer divided by 24, as there are no interest fees. However, if the user gets behind in their payments, they’ll be charged interest at 19.99%.
Trade in/Trade Up
After 18 months, the buyer will have the option to trade in their Microsoft device for a new one. This will start the process over again, as the user will then begin paying off the new device with 24 monthly payments.
Upgrading will require turning in the previous Surface computer, which must be both “functional” and “in good condition”, according to Microsoft. In the example cited above, the consumer will have paid $599.22 to use the Surface Pro for 18 months.