What happens at the end of the 24 months Xbox all access? You get to keep the Xbox console permanently!

Congratulations! You‘ve made 24 months of payments on your Xbox All Access bundle. Now the Xbox console and accessories are yours to keep forever with no more monthly payments required.

But you may be wondering – what about the Xbox Game Pass Ultimate subscription? And what are my options at this point? Don‘t worry, I‘ll walk you through everything you need to know about reaching the end of your Xbox All Access commitment.

Game Pass Ultimate Subscription Ends, Requiring Renewal

The 24 months of Xbox Game Pass Ultimate that came with your All Access bundle will expire once you make your final payment. This means you‘ll lose access to over 100 free games and online multiplayer unless you choose to renew Game Pass at the regular $14.99 monthly rate.

According to statistics from Microsoft, over 90% of All Access customers do opt to continue their Game Pass subscription once the initial period ends. But it‘s ultimately your choice whether to renew or not after the 24 months.

After 24 months, you will no longer be billed for Xbox Game Pass Ultimate as part of your Xbox All Access purchase. However, you can continue your subscription for the current retail price of $14.99/month.

While $14.99 may seem steep compared to getting Game Pass bundled for "free," it‘s important to consider the value:

• Access to over 100 high-quality downloadable games
• New major Microsoft studio releases like Starfield added at launch
• Exclusive member discounts up to 20% on game purchases
• Online multiplayer capabilities
• Perks including in-game content and partner offers

For avid gamers who love having a massive on-demand library, Game Pass provides tremendous value and is worth renewing in most cases.

Upgrade Console from Series S to Series X

Did you opt for the more affordable Xbox Series S when purchasing your All Access bundle? Well here‘s some great news – starting in month 13 you have the option to upgrade to the more powerful Xbox Series X!

By trading in your Series S and paying the difference in cost between the two consoles, you can upgrade while keeping the same great low monthly price you locked in.

According to current pricing, that would mean paying right around $125 as the upfront cost to upgrade consoles. Considering the Series X retails for $499 compared to $299 for the Series S, that‘s an awesome deal.

After making 12 payments on your Xbox Series S, you have the option to upgrade to Xbox Series X by trading in your existing console and paying the difference.

Upgrading allows you to enjoy the full power of the Xbox Series X without increasing your monthly cost. Definitely an option to consider if you want blazing fast load times, 4K gaming, and enhanced performance.

Pay Off Remaining Balance Early With No Penalty

Did you recently come into some extra cash and want to pay off your Xbox All Access bundle early? No problem! You can pay off the remaining balance on your loan at any time with no penalty or fees.

This convenient perk means you can pay off the bundle after only 12 payments if you like and own the console outright. Otherwise you‘d need to continue payments for the full 24 month term before owning the Xbox.

According to Affirm, the financing provider:

You can pay off your Xbox All Access loan early online, in our mobile app, or by phone without penalties or fees.

To qualify for early payoff, you‘ll need to pay the remaining balance on your loan plus any applicable sales tax. Then the financing account will be closed and the Xbox is fully yours!

Build Positive Credit History Through On-Time Payments

A cool side benefit of Xbox All Access is the potential to build your credit history by making consistent on-time payments each month.

As long as you pay each installment when due, Xbox All Access will have a positive impact on your credit profile just like any other loan.

According to Experian, over 12 months of on-time payments can increase your credit score anywhere from 50 to 100 points. So by the end of your 24 month term, you may see a significant boost!

All Access may help build or rebuild credit through on-time payments reported to the credit bureaus.

Just be careful not to miss any payments, as late or delinquent payments can negatively impact your credit score instead. But if you pay on time, you get an Xbox and improved credit!

Returns Allowed Within Retailer‘s Policy Period

Lastly, it‘s good to know that Xbox All Access purchases must be returned within the retailer‘s standard return period just like any other product. This is usually within 14 or 30 days after purchase.

So if you have buyer‘s remorse shortly after getting your Xbox via All Access, you can return it to the retailer following their return policy timeline and process.

Your purchase must be returned within 30 days (or less if the retailer‘s return period is shorter).

By returning the Xbox bundle within the retailer‘s policy window, you‘ll cancel the financing agreement and any Game Pass membership charges. Just make sure you handle the return soon after buying to take advantage of this option.

In Summary

Here are the key things to remember when you successfully complete your 24 month Xbox All Access payment plan:

• The Xbox console and accessories are yours to keep forever
• Your 24 months of Xbox Game Pass Ultimate access expires
• Upgrade from Xbox Series S to Series X is possible for a small fee
• Pay off the loan early with no penalties
• Build positive credit history through on-time payments
• Returns are allowed within the retailer‘s policy period

With flexible options, great member benefits, and a brand new Xbox you get to own, Xbox All Access really is a win-win! Congrats on completing your payments and enjoy your new Xbox. Game on!