Choose PayPal Pay Later at checkout. Eligibility varies by state.
Choose Citizens Pay® at checkout to apply for a line of credit.
Over twice the computing power makes this device the most powerful Surface yet...Select Surface Laptop Studio 2 for more information.
At just under 2.5 lb and with up to 15 hours of battery,² Surface Laptop Go 3 features...Select Surface Laptop Go 3 for more information.
Originally From $1,099.99 now From $949.99
Surface Pro 9 gives you the tablet flexibility you want and the laptop performance and...Select Surface Pro 9 for more information.
Originally From $1,299.99 now From $899.99
Multitasking speed powered by 12th Gen Intel® Core™ i5/i7 processors built on the...Select Surface Laptop 5 for more information.
Originally From $1,599.99 now From $1,399.99
Set your imagination free on the most powerful Surface Laptop, designed to light up...Select Surface Laptop Studio for more information.
Originally From $699.99 now From $549.99
Sleek and portable, Surface Laptop Go 2 features a 12.4” vibrant touchscreen and great...Select Surface Laptop Go 2 for more information.
Originally From $499.99 now From $439.99
The most portable Surface touchscreen 2-in-1 is perfect for your everyday tasks...Select Surface Go 3 for more information.
Elevate your creativity with the most versatile all-in-one that gives you a large...Select Surface Studio 2+ for more information.
Originally From $999.99 now From $699.99
Style and speed. Stand out on HD video calls backed by Studio Mics. Capture ideas on...Select Surface Laptop 4 for more information.
Unlock more possibilities than ever with the Pro designed for a Pro like you. The...Select Surface Pro 8 for more information.
Frequently asked questions
PayPal Pay Later options enable customers to buy now and pay later.
Citizens Pay offers financing, a traditional form of credit. Financing with Citizens Pay allows you to spread the cost of your purchase over 12 or 18 months and requires a hard credit check at application for final approval, which may affect your credit.
Microsoft does not extend credit and does not determine credit terms or eligibility.
Citizens Pay Line of Credit Account is offered by Citizens Bank, N.A., and serviced by Citizens Bank. Citizens Bank determines terms and qualifications for credit.
Recurring subscriptions, one time purchase prepaid subscriptions, gift cards, and pre-orders are excluded from PayPal Pay Later options and Citizens Pay Line of Credit financing. For pre-orders, please use a standard credit card to ensure that you are charged only when your order ships.
A Citizens Pay Line of Credit lets approved customers make purchases at Microsoft Store for a low monthly price and no upfront cost.^ A Citizens Pay Line of Credit offers you a fixed interest rate of 0% APR for up to 18 months.^ You will receive a statement each month. Citizens Pay recommends setting up automatic payments 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.
Yes, you must have a minimum initial purchase of $900 of qualifying products in your cart before taxes and shipping to apply for pre-approval. Only recurring subscriptions, gift cards, and pre-orders do not qualify.
You must have a minimum of $900 in qualifying products in your cart pre-tax 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.
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.
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 at application, which may impact your credit score.
Your credit report will be impacted after you are qualified in the pre-approval process.
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 is here to answer your questions or address any concerns you may have about the products or services you purchase from us. Please contact us at 1-877-696-7786 to speak with our customer service team.
Apply for 0% APR financing on Surface for Business devices and accessories. Pay the way you want, spread your payments over 18, 24, 30, or 36 months. Learn more about 0% interest monthly payment options that bolster every budget here.
If you prefer to purchase as a business, learn more about Surface All Access for Business devices and accessories and apply here. Spread payments over 18, 24, 30 and 36 months at 0% APR financing.
Gift with confidence
We offer free 2-3 day shipping, plus 60-day free returns and 60-day price protection.
Buy now, pay later. As low as 0% APR.
Microsoft Store and partners offer you simple, safe ways to pay at checkout—so you can get your holiday shopping done now.
60-day Price Protection
Buy gifts now, enjoy price protection for 60 days from your delivery date. If we drop the price of a physical product or you find it lower at a qualified retailer, we’ll honor a one-time price adjustment. Exclusions apply.
Free 2-3 day shipping and 60-day returns
Get free 2-3 day shipping with no minimum purchase. Plus, enjoy 60-day returns on almost any physical product.
Get cash for your used device
Trade in any eligible device—laptop, tablet, phone, or game console—from a variety of brands and get cash back.
Flexible payments: 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 for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.
Price protection: Microsoft Store Price Adjustment - Valid on purchases of qualifying consumer and commercial physical products made at Microsoft Store and Microsoft Experience Centers in select markets for 60 days from the date product is received. Eligible Retailer Price Adjustment - Valid on purchases of qualifying consumer physical products from Microsoft Store and Microsoft Experience Centers in select markets for 60 days from the date product is received. Excludes commercial products and bundles. Microsoft reserves the right to verify an eligible retailer’s advertised price and availability of the product. The product sold by the eligible retailer must be identical to the product sold by Microsoft and must be in stock for purchase at the eligible retailer at the reduced price. Exclusions apply. Both price adjustments - Customer is eligible only if the product is in stock for purchase at Microsoft Store or a Microsoft Experience Center. A price adjustment cannot be requested prior to or at time of purchase. Customer must contact Microsoft to request the adjustment. For purchases from Microsoft Store, contact Microsoft Store Sales and Support with your Microsoft Account information and any other information requested by a representative. For purchases from a Microsoft Experience Center, you must return to the location with your receipt. Limit 1 price adjustment total per product. Excludes Surface Hub, HoloLens, and Windows DevKit. See here for full terms and full list of eligible retailers..
Returns: Available with eligible physical products purchased from Microsoft Store online and Microsoft Experience Centers in select markets. Return process must be started within 60 days after customer receives the product. Limit 5 product returns per eligible customer purchase. Excludes Surface Hub, HoloLens, and Windows DevKit. Applicable return policy applies. For purchases made at Microsoft Store, see applicable Microsoft Terms of Sale for more information. For purchases made at a Microsoft Experience Center, see receipt for more information. Microsoft reserves the right to modify or discontinue offers at any time.
Trade-in: Available only through the Microsoft Store online in the United States (including Puerto Rico). Offer valid for reimbursements after trade in of qualifying devices (PC, laptop, mobile phone, tablet, video game console). Recycled devices are not eligible for cash back. To be eligible for trade in, you must own the qualifying device, device must power on, battery must hold charge and not be required to be plugged in to operate, and be in fully functional, working condition without broken/missing components, cracked display/housing, liquid damage, modification(s) or have device warranty seal broken. Device cannot be password protected, and must include original chargers/accessories, and must contain hard drive. Customer must mail in the qualifying trade-in device to be eligible for the reimbursements. All trade-ins are final. Cannot be transferred or otherwise redeemed for cash or gift cards, or credit towards other devices or products. May not be combined with other offers. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limits may apply.
Microsoft reserves the right to modify or discontinue offers at any time.