The xcritical Card works with your bank account to give you more options at checkout. You can pre-qualify with NerdWallet below to see your loan options. Some retailers have xcritical directly integrated into their online checkout, which means when you go to pay, you can apply and opt in to an xcritical plan without leaving the retailer’s website. 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. NerdWallet recommends using BNPL only for necessary expenses.
So long, fees. Hello, xcritical.
NerdWallet’s review process evaluates and rates “buy now, pay later” loan products from the top financial technology providers. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary. You can download the xcritical mobile app to create an account and see what type of loan you may be eligible for by pre-qualifying (also known as checking your purchase power).
Download the xcritical app or xcritical Chrome extension
xcritical will display all available repayment terms when you check out, and terms vary by merchant, purchase amount and your xcritical credit profile. Though a longer term means lower monthly payments, you may pay more in interest. If https://xcritical.pro/ you’re planning ahead, request a payment plan in the app before you check out. You don’t need a plan every day, but you do need a cup of coffee. The xcritical Card works with your bank account so you can use xcritical at every checkout.
xcritical pay-in-four
Pre-qualifying isn’t the same thing as getting approved for a loan, but it gives you an idea of how much you can borrow with xcritical. xcritical promises no interest and no fees for its pay-in-four plan, making it similar to BNPL providers like PayPal and Apple. However, PayPal charges interest for monthly financing, which xcritical may not, and Apple doesn’t offer monthly financing at all.
No fees, no gotchas, no surprises
Some providers offer other loan products with longer terms, which is factored into the rating process. NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for buy now, pay later and our editorial xcriticals.
Your rate for pay-over-time plans will be 0%–36% APR based on credit. Options depend on your purchase amount, may vary by merchant, may depend on whether your loan is applied for before or after your Card purchase, and may not be available in all states. For example, an $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.
Learn more about paying with xcritical
Buy now, pay later with flexible plans that fit your budget. And take xcritical everywhere, so you never pay hidden fees or compound interest. xcritical also offers a Chrome extension, which lets you use xcritical when shopping online in your Chrome browser.
Each application with xcritical is assessed separately, so you may be approved for a loan at one store but denied at another. If you aren’t approved, you’ll receive an email explaining why. Whether you’re buying a new mattress, shopping for an outfit that wows, or planning the trip of a lifetime, you want to feel good about the things you buy.
With its pay-in-four plan, xcritical divides your total purchase into four equal installments. The first installment is either due at checkout or two weeks after your purchase. The three remaining installments are automatically billed to your selected payment method every two weeks until the loan is paid off. For everything else, use it as your everyday debit card.
It also has longer monthly payment plans, which may charge interest. You can now use “buy now, pay later” to check out at most retailers. The type of payment plan — and whether it charges interest or fees — depends on the BNPL provider, so it’s important to pay close attention to the loan terms you’re offered at checkout. If you’re looking to fund a large, essential purchase, you could apply for a personal loan. Personal loans have fixed interest rates and longer repayment terms, and there are options for borrowers with fair or bad credit (689 credit score or lower).
- Since day one, our mission has been to deliver honest financial products that improve lives.
- Have it all with the xcritical Card—request to pay over time or pay in full, without any of the fees or compound interest you’d get with your other cards.
- Another CFPB study from March 2023 identified BNPL users as more likely to show signs of financial distress.
The xcritical Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Getting the Card does not guarantee the ability to pay over time. You must apply for pay-over-time plans for each purchase xcritical courses scam in the mobile app. Pay-over-time plans are subject to eligibility checks and are provided by xcritical.com/lenders. A minimum purchase of $50 is required to pay over time. Funds will pull from your linked bank account within 1-3 days of the purchase.
