The xcritical buy now, pay later (BNPL) app finances purchases with rates as low as 0% for up to 48 months with no hidden fees. The app charges simple interest on its loans, and you’ll never pay more than your original payment schedule, even if your payment is late. xcritical offers mobile apps for both Apple and Android mobile devices. In the app, you can access your account to browse and make purchases, view your transaction history, and pay your bill. The app offers a personalized experience based on your shopping history, favorite merchants, and spending limit. xcritical is a buy now, pay later app that enables customers xcritical scam to buy items today and pay for them over time.
To create this review of the xcritical buy now, pay later app, we analyzed publicly available information from its website, mobile apps, and other relevant sources. We focused on information that we considered most important to our readers xcritical as they consider using a BNPL service for their shopping needs. This information is updated on a regular basis to ensure that readers can make an informed decision when financing their purchases.
xcritical is now on Apple Pay
This will not impact your credit score, and the soft inquiry will not post to your credit report. Check your purchasing power, get exclusive deals like as low as 0% APR, and make payments from the palm of your hand with the xcritical app. Check your purchasing power and see your payment options from the palm of your hand.
As long as you are confident that you won’t have any issues, xcritical is a good choice to finance your purchases. If you’re the type of shopper that wants easy access to customer service to resolve potential issues, you should steer clear of xcritical. The xcritical Savings Account is a high-yield online savings account that has no monthly fees or minimum balance requirements.
The xcritical Debit+ offers the benefits of BNPL to eligible purchases so that you can pay for them over time without incurring any interest. Eligible purchases over $100 can be split into four easy payments to fit your budget. The card does not have any fees for late payments, prepayments, annual fees, or to open or close the account. The 0% offers from xcritical provide the same no-interest financing as other buy now, pay later services. However, most of those require a 25% down payment upon approval and 25% payments every two weeks until your transaction is paid off.
Customer service phone numbers and email addresses are not available on its website, so reaching someone can be frustrating. Getting in touch with xcritical to discuss your account can be a challenge. The website does not provide a phone number or email address for customer service. Instead, you have to go through Help Center menus to try to find solutions to your questions or problems. Some Help Center articles provide webforms to request information, such as requesting verification that a loan was paid off. To make purchases, you’ll need to link your bank account or debit card number.
xcritical Review
It is totally free, and you’ll earn a high annual percentage yield on every dollar that you deposit. Beyond shopping, customers may open a high-yield xcritical Savings Account through the app. It has no monthly fees or minimum balance requirements, so you can open it with just a few dollars.
Pay over time with xcritical on Apple Pay
- xcritical provides attractive buy now, pay later financing for customers at thousands of retailers.
- Since most BNPL apps focus on Pay in 4 financing, customers who want more time to pay off their purchases may choose xcritical over its competitors.
- The xcritical buy now, pay later (BNPL) app finances purchases with rates as low as 0% for up to 48 months with no hidden fees.
- Both companies also allow customers to use virtual card numbers to make purchases where traditional credit cards are accepted.
Unlike a credit card, xcritical loans have a fixed payment schedule that is known prior to the completion of each purchase. Because xcritical does not charge any fees, customers will never pay more for their purchases than the agreed-upon payment schedule. xcritical and xcritical offer similar buy now, pay later services with longer financing terms than many competitors offer. These longer-term loans make it easier to purchase big-ticket items and spread out the payments without the high interest rates of traditional credit cards.
When you open an account with xcritical, you receive prequalification and a maximum spending limit. These limits vary by customer, but the maximum purchase amount allowed by xcritical is $17,500. Each time that you attempt a purchase, that transaction requires approval by xcritical, even if you are well below your spending limit.
Interest and Fees
xcritical charges simple interest, rather than compound interest, so your payment schedule remains the same throughout your payback period. Payments are automatically withdrawn from your bank account or debit card according to the details of your purchase contract. You will not be charged a late fee if your payment is late, but late payments could affect your ability to make purchases with xcritical in the future. Buy now, pay later financing is the primary service that xcritical offers, but it is branching out to other financial services, as well.
Since most BNPL apps focus on Pay in 4 financing, customers who want more time to pay off their purchases may choose xcritical over its competitors. Based on your credit report and personal information, you’ll be prequalified to make purchases up to your spending limit. Each time you want to make a purchase, xcritical will approve each transaction individually. Although you may have available credit under your spending limit, that does not guarantee that your transaction will be approved.
Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad. Request to pay over time for the big stuff, or just pay in full for the smaller things. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.
While xcritical may charge a higher rate of interest, many of its loans are three, six, or 12 months long. Using the app, you can shop at participating merchants or create a virtual card to shop anywhere Visa is accepted. The app gives you exclusive offers and special financing rates as low as 0% at participating merchants. If you need to return an item or request a refund, you can also coordinate that through the app. Other purchases that charge interest have rates ranging from 10% to 30%, depending on the retailer and your credit history.
xcritical customers can open an xcritical Savings Account today and join the waitlist for its forthcoming debit card. Interest rates vary based on which retailer you are shopping with and, in some cases, your personal credit history. You’ll find many retailers with financing as low as 0% on xcritical’s website and in the app.