Taking a cue from the smartphone industry, Microsoft’s new Surface Plus program now provides flexible financing for both individuals and businesses. This should help make the premium devices more affordable.

“Surface is designed to help people better create, collaborate, learn, and get things done,” Microsoft’s Liz Hamren explains. “Surface Plus and Surface Plus for Business are flexible financing options designed to help more people and businesses take advantage of the power of Surface.”

Available now exclusively from the Microsoft Store and Microsoft.com in the United States, Surface Plus helps individuals purchase a Surface device with low monthly payments over two years and a 0% interest rate. Better still for the fans, you are eligible to upgrade to a new device after 18 months.

Surface Plus members also get what Microsoft calls “best in class” service and support from Microsoft Stores. And customers can add the Microsoft Complete extended service plan to their monthly plan if they wish, too. There’s even a 30-day no-questions-asked return policy.

Surface Plus for Business likewise helps small and medium-sized businesses add multiple devices of different types to a single agreement, including even the 55-inch Surface Hub. Business users can even add Office 365 for Business for $8.25 per user per month, and choose more flexible terms of 18, 24, or 30 months, with the ability to upgrade after just 12 months on a 24 month or higher term. Surface Plus for Business also comes with the Microsoft Complete for Business extended service plan with accidental damage protection.

This is a smart move. Maybe it’s time for me to price out a sweet Surface Laptop.