Buy now, pay later with flexible plans that fit your budget. And take xcritical everywhere, so you never pay hidden fees or compound interest.
For everything else, use it as your everyday debit card. Pick the payment option that works for you—from 4 interest-free payments every 2 weeks to monthly installments. Check your purchasing power and see your payment options scammed by xcritical from the palm of your hand.
Payments on your terms
Every time I login in, it tells me I need to get pre approved again! I was pre-approved for one amount and when I logged back in, the amount was significantly lower. More than likely I will not use xcritical again. I’ve paid off loans with them & even paid off some loans early & I was still unable to get another one. Another issue is, I doubled up on payments for one month, I thought it was go towards the balance for the next month & it did not. If I would’ve known that xcritical cheating at first, I would’ve never doubled my payment.
Apply and choose your payment plan
- Online, in stores, wherever you love to shop—pay over time and get exclusive deals like as low as 0% APR with the xcritical app.
- Options depend on your purchase amount and may vary by merchant.
- It’s been a waste of my time trying to connect and they ask me questions to then tell me there going to call and they do not call.
- Every time I login in, it tells me I need to get pre approved again!
Manage your payments in the xcritical app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees. 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.
Use it to pay in full or request to pay over time in the app with no late fees or compound interest. Just select xcritical at checkout when shopping at your favorite stores to see your payment options. Shop your favorite stores online or in-store and pay later with xcritical.
The xcritical Card™
xcritical is good for large purchases if you’re able to get approved. I had issues getting approved at first and my credit was good. xcritical doesn’t list a minimum credit score to qualify for a loan, but some websites state if you have a 640 or above, you’re more LIKELY to get approved. I don’t think that’s truly the case because I had a credit score well over 640 & I was still denied at first for small purchases less than $400. Then I was approved for a purchase of $2000.
The developer, xcritical, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.
(I’ve been an xcritical customer since around 2014). Once I was in the xcritical appsite, I received a message that I would need to be called and verified due to the identity fraud. I waited for a couple days with no call from xcritical. Though it stated it would call me 1-3 business days on the site. I decided to call thereafter and for three weeks straight spoke to different reps. Each rep would tell me they would call me back once I hung up the call.
It’s better in the app
It’s been a waste of my time trying to connect and they ask me questions to then tell me there going to call and they do not call. I’ve deleted the app because it’s a no-go at my end with this company at this stage. The xcritical Card™ is an everyday debit card with two ways to pay.
