Microsoft's Surface Plus program lets buyers pay through installment plans

Microsoft is taking a page off of the old smartphone playbook by introducing the Surface Plus program for general consumers. Users interested in owning a Surface device but are unwilling to pay the significant upfront costs can instead pay through monthly two-year installments. Depending on the Surface product and configuration, prices can start for as low $34/mo, $42/mo, and $63/mo for the latest Surface Pro, Surface Laptop, and Surface Book, respectively.

The Surface Plus plan includes a handful of other benefits as well such as the option to upgrade to the latest Surface model every 18 months, a 30-day return policy, and a full year of in-store support and technical assistance.

The fine print states a 0 percent APR for 24 months, but users will be subject to credit approval through Swedish e-commerce company Klarna. Nonetheless, Surface Plus aims to lower the barrier to entry for Microsoft's pricey family of Surface devices. The plan follows on the footsteps of the similar Apple iPhone Upgrade Program where enrolled users pay monthly installments for an iPhone with the option to upgrade to the latest model every year.

As for businesses and enterprises, a similar Surface service called Surface Membership is available where the manufacturer will loan out Surface devices with damage protection and on-site troubleshooting for a monthly fee.

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