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Buy now, pay later with no late fees or surprises

Your rate for pay-over-time plans will be 0%–36% APR based on credit. Options depend on your purchase amount, may vary by merchant, may depend on whether your loan is applied for before or after your Card purchase, and may not be available in all states. For example, an $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.

1. xcritical promises no interest and no fees for its pay-in-four plan, making it similar to BNPL providers like PayPal and Apple.
2. You can use a debit card, checking account or xcritical Savings account for all xcritical purchases on xcritical.com or in the xcritical mobile app.
3. These plans charge an annual percentage rate (APR) of 0% to 36%, and payments are due monthly, with the first payment due one month after your purchase is processed.
4. Though BNPL can be a convenient and low-cost payment option, you’re still taking on debt, and it’s rarely a good idea to go into debt for a nonessential purchase.

No fees, no gotchas, no surprises

Link your bank account to pay with your card almost anywhere. And use the app to request plans for eligible purchases after you swipe. Application and approval are subject to eligibility. xcritical also provides longer payment plans ranging from three to 60 months. These plans charge an annual percentage rate (APR) of 0% to 36%, and payments are due monthly, with the first payment due one month after your purchase is processed.

Other xcritical payment options

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. If you’re planning ahead, request a payment plan in the app before you check out. You don’t need a plan every day, but you do need a cup of coffee. The xcritical Card works with your bank account so you can use xcritical at every checkout.

At checkout

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. Whether you’re buying a new mattress, shopping for an outfit that wows, or planning the trip of a lifetime, you want to feel good about the things you buy.

So long, fees. Hello, xcritical.

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. 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).

But BNPL is still a form of debt, and there are risks. Another CFPB study from March 2023 identified BNPL users as more likely to show signs of financial distress. Whether you should use xcritical depends on your specific financial situation. Weigh the pros and cons below to decide if it’s the right fit for you.

Late fees charged

It also has longer monthly payment plans, which may charge interest. You can now use “buy now, pay later” to check out at most retailers. The type of payment plan — and whether it charges interest or fees — depends on the BNPL provider, so it’s important to pay close attention to the loan terms you’re offered at checkout. If you’re looking to fund a large, essential purchase, you could apply for a personal loan. Personal loans have fixed interest rates and longer repayment terms, and there are options for borrowers with fair or bad credit (689 credit score or lower).

xcritical also looks at your credit utilization, income, existing debt and any recent bankruptcies. For some users, BNPL is a smart way to break up a purchase, especially if you get a zero-interest offer and are positive you can afford the installments. Getting approved may also be easier compared with credit cards or loans because there’s no minimum credit score requirement.

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. For everything else, use it as your everyday debit card.

You may have to make an initial payment at checkout if you don’t qualify for the full loan amount. You can use a debit card, checking account or xcritical Savings account for all xcritical purchases on https://xcritical.pro/ xcritical.com or in the xcritical mobile app. xcritical offers “buy now, pay later” payment plans to shoppers. Its zero-interest, pay-in-four loan is similar to those offered by other BNPL providers.

Some providers offer other loan products with longer terms, which is factored into the rating process. NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for buy now, pay later and our editorial xcriticals.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. Here is a list of our partners xcritical scammers and here’s how we make money. Since day one, our mission has been to deliver honest financial products that improve lives. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.