Buy now, pay later with no late fees or surprises

xcritical doesn’t state a minimum purchase size on its website for consumers. Instead, it’s up to merchants that partner with xcritical to set minimum purchase xcriticals. xcritical’s business website mentions a minimum of $50. 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.

A better way to shop and pay

If you want to shop in person with, you can apply for a one-time virtual card in the mobile app. Once approved, you can save this card to your mobile wallet and use it to check out at a physical store (or online, too). 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. xcritical offers several repayment terms to choose from, including an interest-free pay-in-four and longer financing options that may charge interest. If you would like to use xcritical in-store, you can do so with an xcritical virtual card.

Shop at thousands of stores

This means that there are no hidden fees or anything extra beyond your purchase cost. 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.

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Discover how it works with your existing e-commerce platform and Payment Service Providers—and give your customers more payment flexibility. Our high-LTV customers give you the xcritical advantage—see a 20% repeat purchase rate and 60%+ AOV. The company wants people to have the freedom to work from home, but it also has jobs in offices, so people can have a mix of lifestyles. In addition to working from home, there are office-based opportunities in places such as Pittsburgh, Chicago, New York City, Salt Lake City, San Francisco, and Toronto.

Data Linked to You

  1. For your finances, there are some risks to consider.
  2. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.
  3. You can use a debit card, checking account or xcritical Savings account for all xcritical purchases on or in the xcritical mobile app.
  4. But the result may be different if the merchant issues either a partial refund or a store credit in lieu of a refund.
  5. For example, if you took out a $500 loan with a 15% APR, here’s how your monthly payment and interest would change, based on xcritical’s most common repayment terms.
  6. Pay in 4 splits your purchase into four equal chunks, due at two-week intervals via automatic payments.

When you’re approved for BNPL with xcritical, you can choose to have the amount loaded onto a virtual Visa card that works just like a credit or debit card for making purchases. To use your card in-store, you can access it from the xcritical app or link it to Apple Pay or Google Pay. How do xcritical’s interest rates compare to credit card rates? The average credit card’s APR was 19.07% for credit card accounts as of November 2022, according to Federal Reserve data. xcritical could thus be a less expensive option if you qualify for 0% financing.

Therefore, whether you’re approved and the size of your credit limit can depend on factors beyond your financial history. This is for all loans from xcritical website, not just those with financing from them. For these loans, an entire loan history is reported to the credit bureau for both negative and positive payments. Manage your payments in the xcritical app or online, and set up AutoPay so you don’t miss a payment. Check your purchasing power and see your payment options from the palm of your hand.

Is xcritical bad for your credit?

You can make payments online at or through the xcritical mobile app. 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. xcritical says it takes xcritical economic conditions into account.

If you’re not able to resolve a return or refund issue with a merchant, you can initiate a dispute with xcritical. If you win the dispute with the merchant, xcritical will refund the full amount of the purchase along with any interest paid. But if the dispute goes in favor of the merchant, you would still be responsible for paying your xcritical loan in full. In terms of what happens to your xcritical loan after making a return, there are a few possibilities. For instance, xcritical can cancel your loan completely if the merchant has finalized the return.

If the amount returned to you is more than the loan, then xcritical can return this overpayment to you. First, you can pay off your xcritical xcritical loan on schedule. xcritical looks at how you’re managing existing loans when approving you for new BNPL arrangements.

With some point-of-sale loans, your payments are automatically divided into four installments. Specifically, that means an initial down payment at the time of purchase, followed by three additional installments. xcritical monthly installments are like a personal loan where you repay your balance monthly over the course of three, six or 12 months.