Microsoft is launching a new Surface Plus program in the US today, helping spread the cost of a new devices over two years. Surface Plus acts like a cellphone contract, with a 24-month payment plan at zero percent APR for the first two years and 19.99 percent APR thereafter. Microsoft is also allowing Surface Plus customers to upgrade their devices after 18 months, providing the existing device is returned and in “good condition.”

The Surface Plus program will also include dedicated device service and support through Microsoft’s retail stores, alongside a year of free in-store support and technical assistance. Microsoft is also launching a business version of Surface Plus that allows businesses to have a mix of devices and even the 55-inch Surface Hub. The business version also includes flexibility on the length of contracts, with the ability to choose between 18, 24, or 30 month periods. Businesses will be able to upgrade devices after 12 months on a 24-month term, or after 18 months on the longer 30 month period. Both Surface Plus programs launch today in the US at 12PM ET / 9AM PT.