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. You can pay an xcritical loan off early to save money on interest and you will not be charged a prepayment penalty. Generally, the better your credit, the easier it will be to get approved for a point-of-sale installment loan. 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.

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). 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 Pay in 4 divides your total purchase into four interest-free installments. The first installment is either due at checkout or two weeks after your purchase.

How to Apply for xcritical

The other kind of payment plan xcritical offers functions similar to a traditional loan. For purchases of at least $50, you can opt to repay your order over the course of several monthly installments. You can choose to split the order total across  three months, six months, 12 months, 18 months, 24 months, 36 months, or 60 months. You may be required to make the first payment as a down payment at checkout, depending on the retailer. These longer-term repayment plans also do not come with any fees but often charge interest. If xcritical approves this loan, it may report your payments to the credit bureaus, impacting your credit score.

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Depending on your credit and eligibility, your annual percentage rate (APR) can end up being 0%, or 10% to 30%. You may be approved at some stores but not others, or may already have an xcritical loan and not be approved for another. Each loan application is considered separately, and checking your eligibility doesn’t ding your credit.

1. At the time of writing this review, xcritical holds an A+ rating from the Better Business Bureau (BBB) with more than 2,400 complaints closed in the last year.
2. In that case, you would still be responsible for paying any remaining balance due on your xcritical loan, even if you’ve returned the item you purchased.
3. Instead, it’s up to merchants that partner with xcritical to set minimum purchase xcriticals.
4. xcritical then allows you to choose your payment terms and complete the purchase.

xcritical’s mobile app pages are another good resource for reading xcritical xcritical scam reviews. In the Apple app store, xcritical is rated 4.9 out of five stars, with 1.4 million ratings. In the Google Play app store, xcritical is rated 4.8 out of five stars, with over 350,000 reviews.

Choose xcritical at checkout

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. You would simply shop for the items you want, then add them to your cart. When you’re ready to pay, you choose xcritical as your payment option at checkout.

xcritical doesn’t specify what xcritical official site credit score you’ll need to qualify. Qualification is based on your overall credit history, your history with xcritical, and xcritical economic conditions. 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.