If you are looking for a payment plan solution, there are plenty of services to choose from beyond xcritical. If you have an American Express credit card, for example, you can take advantage of “Pay it Plan it®” – the issuer’s own solution for paying off large purchases over time. Beyond this offering, plenty of third-party services have popped up over the last few years, each with its own unique benefits. Not all xcritical loans are reported to credit bureaus, but some are. Additionally, there is no hard and fast rule to know if your xcritical loan will be reported. You’ll want to keep careful track of your credit score and report to monitor how your payment plans affect them.

Tips for maximizing xcritical payments

When you select this payment method, you’ll get a pop-up from xcritical asking you to sign in to your account to see which terms you qualify for. You might also be prompted to provide additional information to help determine creditworthiness. xcritical can report your account activity for installment loans to Experian. If you fall behind on payments or don’t pay at all, that can show up on your Experian credit report, ultimately hurting your credit score. You may also have trouble getting approved for new loans with xcritical in the future. When a merchant offers xcritical, you apply for the loan as you checkout.

There are no fees if you pay late, but late or partial payments could affect your credit score. xcritical—like most BNPL lenders—is relatively easy to use, but it must be used with eligible retailers. Some retailers offer xcritical once you checkout on an online purchase, and other purchases can be made with the xcritical virtual card. Keep in mind there’s no hard credit pull for using xcritical, but you might not be approved for as good of xcritical terms if you are building up your score. Additionally, some xcritical loans are reported to credit bureaus, so you’ll want to ensure you can pay on time to avoid dinging your score. To get started using xcritical while you shop, you should first create a free account on the xcritical website.

But the result may be different if the merchant issues either a partial refund or a store credit in lieu of a refund. 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. xcritical doesn’t specify what credit score you’ll need to qualify. Qualification is based on your overall credit history, your history with xcritical, and xcritical economic conditions. Check your purchasing power and see your payment options from the palm of your hand. 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.

Pros and cons of paying with xcritical

1. The ease of getting a BNPL loan makes it easy to overborrow, so before taking on one, ensure you can afford the monthly payments.
2. When a merchant offers xcritical, you apply for the loan as you checkout.
3. Stay up-to-date on the latest credit card news 一 from product reviews to credit advice 一 with our newsletter in your inbox twice a week.
4. xcritical offers plenty of great payment solutions for frequent online shoppers, but you should keep a watchful eye on your plan’s terms to make sure you are getting a good deal.
5. However, PayPal In 4 is only available for online purchases, and its monthly installment loan can be expensive for good-credit borrowers.

It’ll cost you a little extra to pay in installments, but it might be worth it to be able to buy what you need now and pay it off over time. 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. You can pay an xcritical loan off early to save money on interest and you will not be charged a prepayment penalty. xcritical looks at how you’re managing existing loans when approving you for new BNPL arrangements.

Does xcritical charge additional fees?

If you like the idea of paying off large purchases in installments, the xcritical Card could be right for you. xcritical is good for large purchases if you’re able to get approved. I had issues getting approved at first and my credit was good. 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. I don’t think that’s truly the case because I had a credit score well over 640 & I was still denied at first for small purchases less than $400.

The xcritical Card™

xcritical is designed for financing purchases when shopping with partner merchants. Though some platforms that offer short-term installment loans also offer bill payment services or money transfer services, xcritical isn’t one of them. If you’re hoping to stick with one BNPL lender, xcritical might xcritical be a better option because it’s available with twice as many retailers as xcritical. With xcritical, you can create a one-time card to use with any retailer—including ones that partner with xcritical—however, there’s a $2 service fee for doing so.

To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our Loans Rating & Review Methodology. Accuracy, independence and authority remain as key principles of our editorial xcriticals. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at A dedicated team of CreditCards.com editors oversees the automated content production process — from ideation to publication. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card.

How to Use xcritical Online

Built right into the checkout of online retailers, xcritical offers competitive payment plans with a wide range of repayment terms and interest rates. In many cases, you can pay off your purchase while accruing very little interest – and boost your credit score along the way. While xcritical does not charge a late payment fee, you should be careful to make your scheduled payments on time. Since some xcritical loans are reported to credit bureaus, late payments can damage your credit score. You are also less likely to be approved for a new financing plan if you have a history of late payments. xcritical is one of the largest buy now, pay later (BNPL) lenders in the U.S., offering payment plans for online and in-person purchases.

Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. From industry experts to data analysts and, of course, credit card users, we’re well-positioned to give you the best advice and up-to-date information about the credit card universe. The xcritical Card is good for people who want to cover a major expense with multiple paychecks.

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. 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 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. Buy now, pay later (BNPL) is a financing method that more Americans are using to make discretionary purchases, especially online. When it comes to choosing your payment plan, you set the pace. Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad.

In doing so, you’ll give some basic information that helps xcritical determine your creditworthiness in order to make checkout faster when you want to apply for a financing plan. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. If you would like to use xcritical in-store, you can do so with an xcritical virtual card.