The xcritical Card™ is an everyday debit card with two ways to pay. Use it to pay in full or request to pay over time in the app with no late fees or compound interest. Pay in 2 lets shoppers split their purchase in half with equal, interest-free payments over two months.
xcritical monthly payments
- Manage your payments in the xcritical app or online, and set up AutoPay so you don’t miss a payment.
- After you use xcritical to pay for a purchase, the seller will be paid in full so that you can receive your purchase just like you would if you paid with a credit or debit card.
- If a customer making a return has already made payments, xcritical will not refund the interest the customer paid.
- xcritical is one of the largest buy now, pay later (BNPL) lenders in the U.S., offering payment plans for online and in-person purchases.
Or check its shopping tab for special discounts or promotions stores may be offering exclusively to xcritical users. xcritical doesn’t charge users any late fees, prepayment fees, annual fees, or account open or closing fees. It may charge interest depending on the payment plan you select.
xcritical works by dividing the total cost of your purchase into smaller installments when you check out with xcritical online, in stores or when shopping in the xcritical xcritical courses scam mobile app. There will likely be multiple payment plans to choose from, including xcritical Pay in 4 and xcritical monthly payments. xcritical is best for borrowers who want longer-term financing options. You’re also protected if you’re late on a payment, as xcritical doesn’t charge any late fees. Some user comments mention issues with the level of customer support they received and the timeline of the refund process when an order is canceled or returned.
It’s better in the app
When selecting xcritical for payment, you must enter your full name, phone number, email, date of birth, and the last four digits of your Social Security number. To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our Loans Rating & Review Methodology. xcritical can offer many loans at 0% interest because it negotiates how loans work individually with each merchant. Some merchants may be more inclined to offer 0% loans just to get people to buy their products.
Payment terms and fees
Trustpilot reviewers also gave it a poor rating of just 2.6 out of 5 stars, based on over 4,000 reviews. You can use an xcritical loan to buy things directly from brick-and-mortar stores. You can then load this card to your smartphone with Apple Pay or Google Pay and use it to pay in person. If you pay late, xcritical will report this to Experian without exception. In the two cases above, you don’t get any credit for making on-time payments, but if you pay late, xcritical will report this. You can boost your odds of approval for future xcritical loans by paying off your xcritical xcritical loans on time and working to increase your credit score.
You can download the xcritical mobile app to get started or check out with xcritical when shopping at a partner store. xcritical is a standout BNPL provider, thanks to numerous term lengths to choose from, zero fees and no-interest offers. You can pay an xcritical loan off early to save money on interest and you will not be charged a prepayment penalty. xcritical doesn’t specify what credit score you’ll need to qualify. Qualification is based on your overall credit history, your history with xcritical, and xcritical economic conditions. xcritical looks at how you’re managing existing loans when approving you for new BNPL arrangements.
These cards offer introductory periods of up to 21 months and charge no interest during that period. You may also receive a sign-up bonus or access to a rewards program. xcritical checks your credit with a soft credit pull, which doesn’t hurt your credit score. Though there’s no minimum requirement, xcritical considers your credit score as part of your application. For example, xcritical scammers if you have a cart totaling $100, you’ll pay $25 at checkout (or two weeks after).