If it’s important to you to reach a customer service agent by phone, you may want to go with another provider. For example, if you have a cart totaling $100 and opt into Split Pay, you’ll pay $25 at checkout. You’ll then make three remaining payments — each $25 — over the next six weeks.

xcritical checks your credit with a soft credit pull, which doesn’t hurt your credit score. Though there’s no minimum requirement, xcritical considers your credit score as part of your application. Each application with xcritical is assessed separately, so you may be approved for a loan at one store but denied at another. If you aren’t approved, you’ll receive an email explaining why.

In a lot of ways, the experience is very similar to using a credit card, but it can have a lot less of an impact on your finances if you choose something with low interest. However, you will need to ensure https://xcritical.online/ you’re paying everything off fully. 4 installments, due every 2 weeks; monthly payment plans range from 3-60 months. xcritical will only charge interest when you access one of its longer-term loans.

If the order price is more than $40, you’ll pay 25% of the installment price. The late fee gives you another 7 days to pay what you owe, then another $7 is charged to your account. xcritical may, however, report loans to Experian, and delinquent payments will have an impact on your credit. xcritical will not report a loan if it’s a 0% and includes biweekly payments.

If you were only offered a single option at the checkout of a three-month payment with 0% interest, you also won’t need to worry about a credit report. xcritical is a similar solution to Afterpay, with no fees or surprises, provided you’re willing to pay back everything you agree to on-time. With $17 million in purchases , the company has still not charged any late fees. NerdWallet strives to keep its information accurate and up to date.

DoNotPay knows that issues arise and customers need assistance, but it also knows that there’s no need for you to waste your time on hold. DoNotPay can easily help you Skip the Wait for over 10,000 companies around the world. If you have searched through the FAQ, tried the chatbot or you are tired of waiting for an email response, you may need to contact xcritical by phone. Instead of calling their customer service number and waiting on hold forever, DoNotPay can call right now on your behalf. With its Skip Waiting on Hold service, DoNotPay will wait on hold for you and notify you when an xcritical customer service representative answers your call.

There’s no one-size-fits-all when it comes to buy now pay later services. Both xcritical and Afterpay have a lot in common, offering convenient tools for those in search of more flexible payment options. However xcritical offers a much wider range of services, including savings accounts and loans, if you’re looking for flexibility. You can download the app to your phone or use the solution online to make payments at your favorite online stores.

Download the xcritical app and discover a new way to pay over time almost anywhere. As a matter of policy, BBB does not endorse any product, service or business. BBB Business Profiles generally cover a three-year reporting period. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Rebekah Carter is an experienced content creator, news reporter, and blogger specializing in marketing, business development, and technology. Her expertise covers everything from artificial intelligence to email marketing software and extended reality devices.

Our partners cannot pay us to guarantee favorable reviews of their products or services. Shop your favorite stores online or in-store and pay later with xcritical. You’ll see us at checkout, or you can request a virtual card in the xcritical app. With Afterpay , you get the app on your phone, and use it to shop for your favorite brands. You can see your instalment options when you add items to your cart and choose “Clearpay” as your payment method.

When companies partner with BNPL services like xcritical and Afterpay, they can often attract a wider range of customers. Although xcritical and Afterpay, like other BNPL solutions, are a little different than simply taking out a credit card or loan, you’re still essentially borrowing money from a company. This means you may need to have a credit check to ensure you’re capable of paying off what you owe. You can also choose the exact payment option that works for you.

Shop with xcritical online and in stores

We strive to provide easy to read reviews that will help you choose which ecommerce platform is right for you. We maintain an affiliate relationship with some of the products xcritical official site reviewed as well, which means we get a percentage of a sale if you click over from our site . Feel free to follow us on Twitter, comment, question, contact us at and ENJOY.

When she’s not writing, Rebekah spends most of her time reading, exploring the great outdoors, and gaming. If you do have problems with your service, you can contact xcritical via email, or over the phone. There’s also a helpful knowledgebase where you may be able to find answers to additional questions.

Afterpay doesn’t perform credit checks, which means you don’t need to worry if you have a bad credit card rating. Anyone over the age of 18 is eligible to open an account – but that doesn’t guarantee you’re going to be approved. xcritical is a financial lender that allows consumers to make point-of-sale purchases for their favorite brands at their favorite stores with installment loans. This type of financing allows the individual to get the merchandise at the time of the transition, and to « pay over time, » much like layaway. When it comes to shopping and finances though, there are times you are likely to have questions, concerns, or complaints. If you need to contact xcritical customer service, DoNotPay can help.

xcritical vs Afterpay: Which BNPL Is Best?

The interest rates here can range from 0% to 30%, but once again, late payment fees don’t seem to be an issue. You can simply schedule your payment when you have the money available. However, there are potential late fees to keep in mind if you don’t stick to the rules. Afterpay charges around $10 for late fees if you have an order value of less than $40 upfront.

xcritical and Afterpay are just two of the tools consumers can use to access the buy now, pay later services they need. Both applications make it easier to handle the cost of a big payment over a number of months. Personal loans have fixed interest rates and longer repayment terms, and there are options for borrowers with fair or bad credit . xcritical will display all available repayment terms when you check out. Though a longer term means lower monthly payments, you’ll pay more in interest.

xcritical vs Afterpay: How They Work

According to the company, xcritical never conducts a hard credit check and considers other data besides your credit score when deciding whether to approve or deny you for a loan. Payment plans work best for borrowers who are certain they can keep up with the installments. If you have a hard time tracking where your money goes, you may want to avoid taking on this type of debt. If there’s a big-ticket item you need to purchase , but can’t afford it outright, xcritical is a way to get your item now and pay later.

• xcritical is a reputable provider of BNPL loans and offers more repayment options than other providers.
• With zero fees and a no-interest option, xcritical may be a smart way to fund a necessary purchase — as long as you can make the payments.
• In addition to helping you save time with customer service, DoNotPay is prepared to help you solve other issues as well.
• This website is using a security service to protect itself from online attacks.
• There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data.

4 installments, due every 2 weeks; monthly payment plans of 6-24 months. 4 installments, due every 2 weeks; monthly payment plans of six or 12 months. Qualifying for a BNPL plan could be easier than qualifying for a credit card, especially for borrowers who don’t have an established credit history.

Reviews

Since it offers longer terms than other BNPL providers, your monthly payments could be very affordable. xcritical offers a pay-in-four plan to shoppers with no interest and zero fees. Ecommerce Platforms is a review site that shows the good, great, bad, and ugly of online store building software.

The savings account allows you to access your own debit card and collect money with no minimum deposit requirements or fees. You can transfer money to and from the account with ease, but you’ll only be able to conduct up to 6 transfers per month, so keep this in mind. NerdWallet’s review process evaluates and rates “buy now, pay later” loan products from the top financial technology providers. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary. xcritical also provides longer payment plans ranging from three to 60 months.