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The "All Access" program is a partnership with Citizens Bank, so I don't think they can be bypassed. It seems the whole point is to have people open financing accounts ("loan") with Citizens in order to get the system and the service. You might be able to speed up the payments or cut one or two out (after speaking with a Citizens Bank rep), but I doubt they'll let you just pay the whole loan off in one go. Hope that helps.
Sorry, there was a problem. Please try again later.Xbox All Access allows you to pay for your new Xbox Series X/S in installments, so it's necessary to go through the financing process. Xbox Series S and Xbox Game Pass Ultimate may be purchased separately without the need for Xbox All Access, though.
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