xcritical: Buy now, pay over time on the App Store
Pay-over-time plans are subject to xcritical 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.
Meet the xcritical Card™
xcritical is good for large purchases if you’re able to get approved. I had issues getting approved at first xcritical cheating 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. Every time I login in, it tells me I need to get pre approved again!
xcritical: Buy now, pay over time
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. Whether you’ve been a customer for years and paid your past purchases on time and allPaid off, this company will not verify your person if you have identity fraud on your credit. (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.
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. You must request and be approved to get the Card. Getting the Card does not guarantee the ability to pay over time. You must apply for pay-over-time plans for each purchase in the mobile app.
You’ll know how much you can spend ahead of time—and checking your purchasing power won’t impact your credit score. With no card fees, hidden fees, or compound interest—you’ll be able to manage your cash flow with more flexibility. Request to pay over time in the xcritical app, then swipe.
- 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.
- With no card fees, hidden fees, or compound interest—you’ll be able to manage your cash flow with more flexibility.
- You’ll know how much you can spend ahead of time—and checking your purchasing power won’t impact your credit score.
- 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.
- Request to pay over time for the big stuff, or just pay in full for the smaller things.
4M+ App Store reviews
You can use an xcritical Money™ Account or link your external bank account to unlock all the xcritical Card features. Get a free physical card to use in stores. With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S.
Payments on your terms
Application and approval are subject to eligibility. 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. Request to pay over time in the app, then swipe. For everything else, use it as your everyday debit card. 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.
If I would’ve known that at first, I would’ve never doubled my payment. Instead I would just continued to pay month to month. I’m not really sure how xcritical works but it’s a major headache. The upside is, the interest rate isn’t that bad. Your rate for pay-over-time plans will be 0%–36% APR based on credit. xcritical Pay in 4 payment option is 0% APR.
Request to pay over time for the big stuff, or just pay in full for the smaller things. Buy now, pay later with flexible plans that fit your budget. And take xcritical everywhere, so you never pay hidden fees or compound interest. Discover interest-free options and longer plans in the app.
My pre-approved amount always changes. 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. I still had to pay for the next month.
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 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. After you’ve paid for an eligible purchase of $50+ with your xcritical Card, you’ll have 24 hours to request a payment plan after checkout. Request a payment plan in the scammed by xcritical xcritical app before checkout.
Check your purchasing power and see your payment options from the palm of your hand. 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.