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Citizens Extends Point-of-Sale Financing Offer to Microsoft Store

Relationship expansion follows previous success providing financing for Microsoft’s Xbox All Access Program

Citizens will provide broad point-of-sale financing for Microsoft Store as part of a newly expanded relationship with the global technology leader. Customers now have access to no-interest financing across all Microsoft hardware, accessories and subscription services purchased through in the U.S. through the bank’s innovative Citizens Pay platform, offering an alternative way to finance products such as the new Surface Pro 8, Surface Duo 2, Windows 11 PCs, and Xbox consoles, games, and subscriptions.

“The expansion of Citizens Pay into Microsoft Store allows consumers added flexibility and responsible financing options across all Microsoft products,” said Andrew Rostami, President of Citizens Pay. “Citizens has a long history of working closely with leading brands to offer the best and most innovative financial experience, and this expansion brings alternative financing to Microsoft Store and its millions of customers.”

Citizens Pay will be offering 12- and 18-month installment terms nationally through its innovative Line of Credit payment structure that enables consumers to make subsequent purchases with no additional credit checks.

“This partnership with Citizens allows us to bring this new offering to consumers in time for the holidays,” said Jesper Chou, General Manager, Microsoft Store. “Consumers are very interested in innovative solutions that allow them to purchase the latest products in an affordable manner.”

In 2019, Citizens announced a partnership with Microsoft to offer integrated financing for Xbox All Access. This enables Microsoft, as a manufacturer, to embed financing into this program which is available for purchase at major retailers including Best Buy, Walmart, Target, and GameStop.

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $187.0 billion in assets as of September 30, 2021. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a 24/7 customer contact center and the convenience of approximately 3,000 ATMs and approximately 1,000 branches in 11 states in the New England, Mid-Atlantic and Midwest regions. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. More information is available at or visit us on Twitter, LinkedIn or Facebook.


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