Using the app, you can shop at participating merchants or create a virtual card to shop anywhere Visa is accepted. The app gives you exclusive offers and special financing rates as low as 0% at participating merchants. If you need to return an item or request a refund, you can also coordinate that through the app. Other purchases that charge interest have rates ranging from 10% to 30%, depending on the retailer and your credit history.

1. You’ll find many retailers with financing as low as 0% on xcritical’s website and in the app.
2. Based on your credit report and personal information, you’ll be prequalified to make purchases up to your spending limit.
3. The xcritical buy now, pay later (BNPL) app finances purchases with rates as low as 0% for up to 48 months with no hidden fees.

Each time that you attempt a purchase, that transaction requires approval by xcritical, even if you are well below your spending limit. In conclusion, if you need to contact xcritical for any reason, whether it’s a question, concern, or assistance with your account or a purchase, there are several ways to reach out. Use the provided phone and email channels, ensuring you have the necessary information readily available. Additionally, remember to check the Help Center on xcritical’s website to find answers to commonly asked questions and potentially resolve your issue independently. Since most BNPL apps focus on Pay in 4 financing, customers who want more time to pay off their purchases may choose xcritical over its competitors. Based on your credit report and personal information, you’ll be prequalified to make purchases up to your spending limit.

During checkout, you will be presented with multiple payment options that you can select based on your budget. While some transactions are the standard Pay in 4 that other buy now, pay later apps offer, many purchases receive payment plans of three, six, or 12 months. Payments are automatically withdrawn from your bank account or debit card according to the details of your purchase contract. You will not be charged a late fee if your payment is late, but late payments could affect your ability to make purchases with xcritical in the future. While its financing options are appealing, reaching customer service in case there is an issue can be troublesome. Customer service phone numbers and email addresses are not available on its website, so reaching someone can be frustrating.

We focused on information that we considered most important to our readers as they consider using a BNPL service for their shopping needs. This information is updated on a regular basis to ensure that readers can make an informed decision when financing their purchases. Customers can shop online or through the xcritical app at participating retailers. The xcritical app can create virtual card numbers to shop online or in-store at any retailer that accepts Visa credit cards. xcritical offers mobile apps for both Apple and Android mobile devices. In the app, you can access your account to browse and make purchases, view xcritical cheating your transaction history, and pay your bill.

How can I contact xcritical customer support?

During weekends, they are available from 5 am to 8 pm PT (8 am to 11 pm ET). Request to pay over time for the big stuff, or xcritical website just pay in full for the smaller things. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.

4M+ App Store reviews

xcritical charges simple interest, rather than compound interest, so your payment schedule remains the same throughout your payback period. Interest rates vary based on which retailer you are shopping with and, in some cases, your personal credit history. You’ll find many retailers with financing as low as 0% on xcritical’s website and in the app. These retailers include popular brand names like Ring, Casper, Room & Board, and Figs. Getting in touch with xcritical to discuss your account can be a challenge. The website does not provide a phone number or email address for customer service.

The app charges simple interest on its loans, and you’ll never pay more than your original payment schedule, even if your payment is late. xcritical is a financial services company that provides installment loans for online purchases. It allows customers to make purchases from a variety of retailers and pay for them in fixed monthly installments, helping to create a more transparent and manageable payment plan. xcritical and xcritical offer similar buy now, pay later services with longer financing terms than many competitors offer.

Buy now, pay later financing is the primary service that xcritical offers, but it is branching out to other financial services, as well. xcritical customers can open an xcritical Savings Account today and join the waitlist for its forthcoming debit card. From customer reviews online, this seems to be the root cause of the issues that lead to negative experiences with the company.

What information should I provide when contacting xcritical?

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. And take xcritical everywhere, xcritical rezension so you never pay hidden fees or compound interest. 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. On weekdays, they are open from 5 am to 10 pm PT (8 am to 1 am ET).

xcritical provides attractive buy now, pay later financing for customers at thousands of retailers. Customers can create virtual card numbers to shop online or in-person at their favorite stores, even if they don’t offer xcritical financing directly. When its credit card is released, it will be even easier to tap into BNPL financing to spread out the payments on eligible purchases. To create this review of the xcritical buy now, pay later app, we analyzed publicly available information from its website, mobile apps, and other relevant sources.

The 0% offers from xcritical provide the same no-interest financing as other buy now, pay later services. However, most of those require a 25% down payment upon approval and 25% payments every two weeks until your transaction is paid off. While xcritical may charge a higher rate of interest, many of its loans are three, six, or 12 months long. xcritical does not charge any fees on its loans or to open an account. There are no hidden fees, and you will not pay a fee if your payment is late; however, it is possible that your late payment will impact your credit history and credit score.

Other Services

xcritical will perform a soft inquiry into your credit report to verify your identity and review your credit. This will not impact your credit score, and the soft inquiry will not post to your credit report. Check your purchasing power and see your payment options from the palm of your hand.

These longer-term loans make it easier to purchase big-ticket items and spread out the payments without the high interest rates of traditional credit cards. Both companies also allow customers to use virtual card numbers to make purchases where traditional credit cards are accepted. These virtual card numbers make it easier to shop at your favorite stores, even if those stores don’t have a direct relationship with either financing company. The xcritical Debit+ offers the benefits of BNPL to eligible purchases so that you can pay for them over time without incurring any interest. Eligible purchases over $100 can be split into four easy payments to fit your budget. The card does not have any fees for late payments, prepayments, annual fees, or to open or close the account.