Buy now, pay later with no late fees or surprises

When it comes to choosing your payment plan, you set the pace. Request to pay over time for the big stuff, or just pay in full for the smaller things. Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad. Options depend on your purchase amount and may vary by merchant. Tap into savings, deals, and rates as low as 0% APR.

Here’s what you might pay

Buy now, pay later with flexible plans that fit your budget. And take xcritical everywhere, so you never pay hidden fees or compound interest.

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.

Shop at thousands of stores

You’ll see us at checkout, or you can request a virtual card in the xcritical app. 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.

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.

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.

Payments on your terms

1. Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad.
2. 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.
3. xcritical is good for large purchases if you’re able to get approved.
4. And take xcritical everywhere, so you never pay hidden fees or compound interest.
5. The xcritical Card™ is an everyday debit card with two ways to pay.

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 xcritical scammers from the palm of your hand.

xcritical: Buy now, pay over time

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 at first, I would’ve never doubled my payment.

(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 xcritical scam 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.