Buy now with Citizens Pay™, and pay as low as 0% APR

Shop more, stress less when you use Citizens Pay at checkout on orders with a $900 minimum. It’s a simple, safer way to secure the things you love today.

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Shop your way

A Citizens Pay Line of Credit allows you to buy what you want, when you want with $0 down and no hidden fees.^

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Easy enrollment

Enjoy a quick, convenient pre-approval process. If you don’t qualify, your credit score will not be impacted. If you do qualify, the credit check will result in an inquiry that may impact your credit report. Simply select Citizens Pay to apply at checkout on orders of $900 or more.

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You’re in charge

Apply your line of credit over multiple purchases, up to the current limit. Then, pay back to Citizens Pay in 12 or 18 months, depending on your total.^

How it works

Step 1: Browse, and fill your cart

When you find the products you wish to purchase, add them to your cart. In order to use Citizens Pay, please make sure your total is $900 pre-tax or more. Exclusions apply. See FAQs below.
The Microsoft Store home page showing a collection of Surface devices and category navigation icons.
The checkout page on Microsoft Store showing products in the cart and pricing details.

Step 2: Go to checkout

To complete your purchase, sign in to your Microsoft Account. You’ll see the full price of your items displayed by default in your cart at this time.

Step 3: Select your payment type

At checkout, select Add or Edit payment from the dropdown. Choose Citizens Pay.
The payment option dropdown with Citizens Pay selected on the checkout page on Microsoft Store.
The Citizens Pay application form on the checkout page on Microsoft Store.

Step 4: Apply for Citizens Pay

Fill out the form, agree to the terms at the bottom, and submit your application to Citizens Pay.

Step 5: Complete your purchase

Once you’ve been approved, your Citizens Pay Line of Credit will be automatically applied at checkout. Complete your purchase by placing your order.
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Start shopping

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Frequently Asked Questions

  • A Citizens Pay Line of Credit lets approved customers make purchases at Microsoft Store for a low monthly price and no upfront cost.^  This Line of Credit offers you a fixed interest rate of 0% APR for up to 18 months.^  You will receive a statement each month, and Citizens Pay recommends setting up automatic payments in order to ensure that your bill is paid on time. This payment method offers $0 down and no interest or fees when you pay on time.
  • Once you have filled your cart with qualifying items totaling a minimum of $900 before taxes and shipping, go to checkout and sign into your Microsoft Account. Select ‘payment type’ and in the drop-down menu, choose ‘Citizen’s Pay.’ Fill out the form completely and then submit your application. If you are approved, you will be informed that you have a revolving line of credit available to use at checkout.
  • A Citizens Pay Line of Credit for Microsoft Store has no application fees, and no interest or fees when you pay on time. However, late payments may be reported to the credit bureaus. For more information regarding fees assessed for late payment, please review Citizens Pay Line of Credit Terms & Conditions.
  • For more information regarding fees assessed for late payment, please review Citizens Pay Line of Credit Terms & Conditions
  • Actual line of credit amounts are set based upon an applicant’s credit worthiness and will range from $1,700 - $6,700. To be eligible to apply for a Citizens Pay Line of Credit, your cart size must be a minimum of $900 in qualifying products before taxes and shipping.
  • You must have a minimum of $900 in qualifying products in your cart pre-taxes and shipping before you are eligible to apply for qualification for a Citizens Pay Line of Credit. Once you have filled your cart with qualifying items totaling a minimum of $900 before taxes and shipping, go to checkout and sign into your Microsoft Account. Select ‘payment type’ and in the drop-down menu, choose ‘Citizen’s Pay.’ Fill out the form completely and then submit your application. If you are approved, you will be informed that you have a revolving line of credit available to use at checkout.
  • When you submit an application to Citizens Pay, Citizens Pay first checks eligibility using a soft credit check, which will not impact your credit report or score. If you qualify in the pre-approval process, at that time, Citizens Pay will do a hard credit check, which may impact your credit score.
  • Your credit report will be impacted after you are qualified in the pre-approval process.
  • If your cart has items totaling an amount higher than the credit limit you've been approved for, or you are ineligible for a Citizen’s Pay Line of Credit, you will receive a message stating that you have been denied. You can select another payment type and continue with your purchase.
  • Citizens Pay will send you an email with the reason that you were declined. If you have questions about this communication, you may contact Citizens Pay representatives at 1-877-405-2344 during these hours: 8 am to 12 am Eastern Time Monday through Friday, and 9 am to 9 pm Saturday and Sunday.
  • You cannot use your APO/FPO/PR address to apply for a Citizens Pay Line of Credit. However, you may use your APO/FPO/PR address as your shipping address.
  • For any questions about your Citizens Pay Line of Credit, please use this Citizens Pay online service  or contact Citizens Pay representatives at 1-877-405-2344 during these hours: 8 am to 12 am Eastern Time Monday through Friday, and 9 am to 9 pm Saturday and Sunday.
  • Microsoft Store’s refund policy applies to all purchases, including purchases made using your Citizen’s Pay Line of Credit for Microsoft Store. Learn more about returning items you bought from Microsoft Store for exchange or refund. If you return a product you purchased using your Citizens Line of Credit in accordance with the terms of our return policy, your Citizens Pay Line of Credit will be credited appropriately. This applies to all products with a 30 day return policy and to Surface, which has a 60 day return policy.
    If you have already made payments on your Citizens Pay Line of Credit for Microsoft Store, you will receive a check from Citizens Bank for the amount that you have paid. If no further purchases are made using your Citizens Pay Line of Credit for Microsoft Store, your account will be closed after a period of inactivity—usually 90 days. Check the terms applicable to your Citizens Pay Line of Credit at https://www.citizensbank.com/disclosures/MSStores.aspx.
  • Approved customers will receive a welcome email from Citizens Pay shortly after their Microsoft Store purchase. This email will contain a link to set up your account and enroll in the automatic payment program.  Citizens Pay recommends that its customers enroll in automatic payments so that payments are received on or before the due date. For more information on your Citizens Pay Line of Credit for Microsoft Store, go to www.service.citizensone.com.
  • No, you cannot use your Citizens Pay Line of Credit for recurring subscriptions. 
  • No, you cannot use Citizens Pay Line of Credit for Microsoft Store to purchase gift cards.
  • No, the Citizens Pay Line of Credit for Microsoft Store is intended to be used as the payment method at the time of purchase. For pre-orders, please use a standard credit card to ensure that you are charged when your order ships.
  • No. You can use your existing Citizens Pay Line of Credit for other Microsoft Store purchases online. Simply select the Citizens Pay option from the dropdown when you checkout. You must have enough credit on your account to cover the purchase in full.

The Microsoft Store Promise

Microsoft Store offers world-class customer support and guidance, ensuring that our customers find the best devices, games, apps, software, and resources for their personal and professional needs. Learn more.

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Fast, free shipping

Get your gifts in 2-3 days with no minimum purchase required.

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Extended free returns

We’ve extended our time frame for free returns this holiday season. Eligible products purchased between now and December 31, 2021 can be returned through January 31, 2022.*

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Pick the perfect gift with a product expert

Book a free online appointment or chat live with a Microsoft Store associate who’ll help you choose the right computer, Microsoft 365 plan, gaming products, and more.

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Our best price of the season

If you find we offer a lower price on a product purchased at Microsoft Store between now and January 2, 2022, we'll refund you the difference. Just make sure the item is discounted and in stock at the time of your request. Some exclusions may apply.**

  • [^] With approval of Citizens Pay Line of Credit at 0% APR and 12- or 18-month term. Subject to individual credit approval. See the Citizens Pay Line of Credit Agreement at  https://www.citizensbank.com/disclosures/MSStores.aspx  for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.

    *Available with eligible purchases made at Microsoft Store in the United States (including Puerto Rico) and Canada from October 1, 2021 through December 31, 2021; purchases can be returned through January 31, 2022. Items can be returned by contacting online Customer Service by chat or phone at 1-877-696-7786. Available with consumer purchases only. Not available for purchases made by any business, commercial, or reseller customers. The Microsoft Store standard return policy applies to extended holiday returns. Please see the Microsoft Terms of Sale for more information. For Surface purchases, you may be entitled to additional benefits under the Microsoft Store Promise for Surface. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limitations may apply. 

  • **Offer valid from 12AM PT November 1, 2021 to 11:59PM PT through January 2, 2022 (“Offer Period”) on qualifying purchases of select physical goods made at Microsoft Store in the United States (including Puerto Rico) and Canada during the Offer Period. Excludes certified refurbished devices, Surface for Business devices, and all digital services and products. Customer eligible for price adjustment only if 1) Customer purchases eligible item during the Offer Period, (2) the price of the item is reduced during the Offer Period, and 3) Customer requests a price adjustment while the item’s price is currently reduced and in-stock for purchase. Customer must contact Microsoft Store Sales and Support at 1-877-696-7786 with order number and any other information requested by the Store Sales representative. Refunds will be provided to Customer in same manner as item was purchased (credit card use will be credited to original card). Maximum of one price adjustment per item will be granted during Offer Period. Bulk buys of more than two of the same device, per customer’s Microsoft Account, will not qualify for price adjustments. For Surface purchases, you may be entitled to additional benefits under the Microsoft Store Promise for Surface. Price adjustments do not include taxes, or shipping or other fees. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limitations may apply.