Samsung Access lets you pay a monthly fee to use a Galaxy S20

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In context: Monthly installment plans are one of the most common ways for the average person to get their hands on a flagship smartphone without paying the entire cost upfront. A $1,000 phone could have its cost split up over two years, with monthly payments of around $40.

However, these payment plans often lock you into long-term cell plan commitments, which isn't ideal for everyone. If you're one of those people, Samsung has an alternative for you, courtesy of its new "Samsung Access" subscription service.

Access plan will let customers pay a monthly fee to use one of Samsung's latest devices. Furthermore, the plan includes "Premium Care" coverage, 1TB of OneDrive storage, and access to a full suite of Office 365 apps. Depending on which device catches your fancy, you can expect to pay between $37 and $48 per month for Access.

Devices arrive unlocked, so you can use them with any carrier you'd like (or not). Available phone options include the Galaxy S20 5G, S20+ 5G, and the S20 Ultra 5G.

You can cancel or upgrade your Access plan, if you desire, though there are catches to both choices. Canceling before you've paid for three months of the subscription will incur a $100 fee, and you won't be able to upgrade until 9 months have passed. However, beyond that, restrictions for Samsung Access are surprisingly limited. Indeed, it may be a compelling service for those who don't plan to hold on to any one device for an extended period of time.

If Samsung Access seems like your cup of tea, you can sign up here -- just be aware that you'll need to pass a credit check and have an approved Samsung Financing account before you can participate.

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I like it. I know a lot of people who would take this offer. And though I keep my phones for over 2 years, there are plenty of tech junkies who wanna have newest and bestest whenever it is available.
 
Indentured servitude... just another way they can keep the price up. All they have to say
is "but you are only paying x amount a month. It's less than a cup of coffee bla bla bla.
 
Wouldn't it be better if you get it through your carrier with a data plan? Or just get a loan (yeah, for a smartphone...). You actually get to keep the phone and sell it afterwards to get some money back.

The smartest thing would be to not buy it if you can't afford it by normal means. Not like there aren't plenty of other phones to choose from that do most of what this phone does. Especially today with so many mid-range "flagship killers" around.
 
Back when you could deduct these kinds of costs for business, people like salesmen, contractors, consultants, etc. would love 'em, but since the last tax overhaul that eliminated these kinds of deductions, there simply is no advantage. Great idea, just way too late!
 
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