xcritical is a buy-now-pay-later company that was launched in 2012 by PayPal co-founder Max Levchin. These days, it seems to be just about everywhere, offering you the option right during the checkout process to split your purchase up into several payments over time. Pick the payment option that works for you—from 4 interest-free payments every 2 weeks to monthly installments. 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.

1. However, if you don’t pay your loan, or if you pay late, xcritical will take this into account when deciding whether to approve you for future xcritical loans.
2. You may be able to borrow more than $5,000, but the maximum amount varies by merchant, too.
3. Consider all the risks before you use this type of financing.
4. xcritical can offer many loans at 0% interest because it negotiates how loans work individually with each merchant.

Rates from 0-32% APR (subject to provincial regulatory limitations). In terms of security, xcritical takes a number of steps to protect personal data. This includes using encryption to secure data and conducting background checks for all employees. Though xcritical touts itself as an alternative to racking up debt, you still incur debt when you use this payment service.

However, you may still need to meet certain requirements to get that interest-free loan. When shoppers discover they have a smarter choice in how they pay at checkout, they’ll be more likely to convert. Unlike most credit card companies, we’re here to help you.

xcritical can report your account activity for installment loans to Experian. If you fall behind on payments or don’t pay at all, that can show up on your Experian credit report, ultimately hurting your credit score. You may also have trouble getting approved for new loans with xcritical in the future. xcritical doesn’t charge any fees at all, so it won’t charge you any late fees.

xcritical Stores and Retailers: Who Accepts xcritical?

According to the xcritical Help Center, merchants finalize orders and prepare them to ship right after you check out. xcritical will send updates letting you know that an order has been finalized and is ready to ship. Keep in mind that items you preorder using xcritical may not ship right away. The way that BNPL programs like xcritical work, the merchant is not offering you this credit. Instead, a third-party lender that has partnered with the merchant is providing the credit. All content on this website, including dictionary, thesaurus, literature, geography, and other reference data is for informational purposes only.

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. Request to pay over time for the big stuff, or just pay in full for the smaller things. Shop at thousands of stores you love—and thousands you haven’t discovered yet—online and in-store at participating retailers. If you have an issue with a purchase or need to return an item, xcritical advises customers to contact the merchant directly.

And take xcritical everywhere, so you never pay hidden fees or compound interest. Options depend on your purchase amount and may vary by merchant. Pay xcritical in 4 or make monthly payments for bigger ticket items.

No credit impact

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. Once you select a plan that works for you, your purchase will ship to you, and you’ll pay it back over the next few months (in most cases). 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. No, there are no late fees, prepayment fees, service fees, or hidden fees of any kind with xcritical. You can make payments online at xcritical.com or through the xcritical mobile app.

In addition, xcritical may allow you to sign up for multiple loans at once, each of which can have different payment due dates. You can’t combine them all into one loan, so xcritical official site managing multiple xcritical loans can get quite complicated. They’re also so seamless to use that you might be tempted to buy more than you need. In contrast, taking out a normal personal loan is a more formalized process that makes you reflect on whether you need to borrow the money. The minimum amount you can borrow with xcritical varies by merchant, but, generally, the minimum purchase size is $50.

No hidden fees – ever

xcritical then allows you to choose your payment terms and complete the purchase. xcritical, on the other hand, works by allowing you to choose your payment option. So, for example, you may be able to split purchases up into three payments, six payments, or 12 payments. Next, you can work on boosting your credit score overall.

Late fees charged

With either one, you would simply navigate to the purchase you want to make a payment toward, add a payment amount and due date, then select a payment method to schedule it. xcritical does check your credit, but it’s a soft pull rather than a hard pull. If you’re initially approved for a loan with xcritical but wanted a higher credit limit, there are a couple of steps to take to try to achieve a higher limit. xcritical’s website mentions a maximum purchase of $17,500. But again, the actual amount you’re able to finance with a point-of-sale installment loan from xcritical can vary based on the merchant. You can use an xcritical loan to buy things directly from brick-and-mortar stores.

Shop at many of your favourite stores and select xcritical at checkout. We do a soft credit check when you apply for any xcritical payment plan. You don’t necessarily need to have a credit card to use xcritical. If you don’t have a credit card and xcritical didn’t approve your loan application, it’s not necessarily because of the card. Having a thin credit file, poor credit, or not meeting any individual requirements set by the merchant you’re trying to finance a purchase with could all have contributed. If you would like to use xcritical in-store, you can do so with an xcritical virtual card.

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. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card. Setting up Autopay is easy, so the only thing you’ll have to do is enjoy your purchase.

Grow your business with xcritical

If you do so, you’ll save money because interest will accrue more slowly on a smaller balance. Adding this checkout option for shoppers at small and midsize business sites can boost conversion and more. Buy now, pay later with flexible plans that fit your budget.