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.
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.^
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.
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.
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, choose a way to pay. Choose Citizens Pay.
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.
Start shopping
Frequently Asked Questions
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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.
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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.
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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.
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For more information regarding fees assessed for late payment, please review Citizens Pay Line of Credit Terms & Conditions
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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.
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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.
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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.
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Your credit report will be impacted after you are qualified in the pre-approval process.
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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.
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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.
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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.
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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.
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Microsoft Store's refund policy applies to all purchases, including purchases made using your Citizens 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 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.
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No, you cannot use your Citizens Pay Line of Credit for recurring subscriptions.
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No, you cannot use Citizens Pay Line of Credit for Microsoft Store to purchase gift cards.
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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.
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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.
Why buy from Microsoft Store
We offer free shipping, free returns, and cash for eligible used devices, as well as multiple ways to pay. Plus, if we lower our price on a physical product within 60 days from delivery, we’ll honor a one-time price adjustment.
Multiple ways to pay
Microsoft Store and partners are bringing you new ways to pay at checkout. They’re simple, safer options to get what you want when you want.
60-day price protection
Buy 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 an eligible retailer, contact us and we’ll honor a one-time price adjustment. Exclusions apply.
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.
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.*
- 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 new or refurbished 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 new consumer physical products from Microsoft Store and Microsoft Experience Centers in select markets for 60 days from the date product is received. Excludes commercial and refurbished products. An Eligible Retailer Price Adjustment cannot be requested at time of purchase. 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: Price Adjustment must be requested within 60 days after the customer receives the product and cannot be completed at time of purchase. Customer is eligible only if the product is in stock for purchase at Microsoft Store or a Microsoft Experience Center. 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 Microsoft Store Price Protection 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.
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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.