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This is a U.S. focused subscription model that will allow you to pay a monthly fee in order to purchase an Xbox One S or Xbox One X, plus two years of Xbox Live Gold, plus two years of Xbox Game Pass. The Xbox One S payment plan starts at $22 (USD) a month for 24-months or $35 for 24-months for the Xbox One X bundle deal.
There is no interest on these bundles. Not only that, but if you do the quick math on this, the Xbox One S bundle will actually run you about $130 less than if you bought the system, Live, and Game Pass separately.
For no upfront cost and one low monthly price for 24 months, Xbox All Access gets you a new Xbox One S or Xbox One X, access to more than 100 great games through Xbox Game Pass, and online multiplayer with Xbox Live Gold. That’s more than 100 all-you-can-play games—including highly-anticipated new Xbox One exclusives the day they’re released, plus more games added all the time— the fastest, most reliable gaming network and an Xbox One console.
Fans who purchase an Xbox One console with Xbox All Access can enjoy:
• No upfront cost
• One low monthly price
• 0% APR for 24 months^
• 24 months of Xbox Game Pass
• 24 months of Xbox Live Gold
• Limited-time offer for qualified customers
All brand-new Xbox One S 1TB or Xbox One X consoles, including available console bundles, can be purchased with Xbox All Access. No leasing or renting – you own the console outright!
Fans who purchase an Xbox One console with Xbox All Access can enjoy:
• No upfront cost
• One low monthly price
• 0% APR for 24 months^
• 24 months of Xbox Game Pass
• 24 months of Xbox Live Gold
• Limited-time offer for qualified customers
All brand-new Xbox One S 1TB or Xbox One X consoles, including available console bundles, can be purchased with Xbox All Access. No leasing or renting – you own the console outright!
This is all processed through Dell Preferred Account (DPA). This is a "revolving line of credit" that will allow you to either pay for the bare minimum per month or pay a little extra each month to shorten the two year contract. It should also help out your credit score if you manage to make those monthly payments on time every time.
In addition to currently being offered only to residents in the United States, there is also an approval process that you need to complete to see if you qualify. I'm going out on a limb here and saying that if you have super horrible credit, you probably won't be approved.
You can find the full details on the Xbox All Access landing page. There is an FAQ there along with details on various bundle options that you can choose from.
Oh wait, can only apply in store and the closest one is hours away. Meh.