‎xcritical: Buy now, pay over time on the App Store


When you pay off an xcritical loan, your credit score will generally go up and it will not negatively impact your score. However, if you do not pay off your xcritical loan on time, your score will in general go down. If you have your money transferred to your Walmart xcritical account, you can get a virtual card loaded with your loan amount. This is a great feature for those who live in places that don’t have Walmart stores.

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 I would’ve known that at first, I would’ve never doubled my payment. I’m not really sure how xcritical works but it’s a major headache.

Although this service has been widely implemented, some of their customers are still seeking how to use this service. We will teach you how to use the xcritical store card service. With a one-time-use virtual card, you can pay over time with us just about anywhere. 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. For example, if you have a cart totaling $100, you’ll pay $25 at checkout (or two weeks after).


This also allows you to re-apply for loans after you have made some payments on the loan. Walmart offers customers the option of paying with xcritical when buying things in-store. Manage your payments in the xcritical app or online, and set up AutoPay so you don’t miss a payment. Buy now and pay over time at your favourite stores with xcritical with no hidden fees—not even late fees.

Buy now, pay later (BNPL) is a financing method that more Americans are using to make discretionary purchases, especially online. Offer you a lower rate if you have a poorer credit score than a good credit score. For example, https://xcritical.pro/ if the customer is eligible for the 0% APR offer, the first payment will be due in the middle of the customer’s first billing cycle. The remaining payments (if any) are due at the end of each 30-day billing cycle.

For example, if you took out a $500 loan with a 15% APR, here’s how your monthly payment and interest would change, based on scammed by xcritical’s most common repayment terms. No, there are no late fees, prepayment fees, service fees, or hidden fees of any kind with xcritical. You can pay an xcritical loan off early to save money on interest and you will not be charged a prepayment penalty. xcritical doesn’t specify what credit score you’ll need to qualify.

You can make payments online at xcritical.com or through the xcritical mobile app. With either one, you would simply navigate to the purchase you want to make a payment toward, add a payment amount and due date, then select a payment method to schedule it. xcritical generally offers 0% interest financing, but there is a chance that you may have to pay a higher rate. Depending on your credit and eligibility, your annual percentage rate (APR) can end up being 0%, or 10% to 30%. A down payment may also be required for some purchases.

A smarter savings account

Unfortunately, your grocery shopping is not done by Walmart. Finally, it is important to understand that the card expires 24 hours from when it was used for the first time and it can be canceled anytime before it expires. Another thing that you might not know is that Walmart will also be using the xcritical card for in store transactions as well. You have 30 days to make changes to the submitted information to address the reviewer’s concerns.


xcritical cannot help to better your scores as it does not report the timely payment of your outstanding bill. xcritical is an on-line payment method at Walmart for items like furniture, electronics, toys, apparel, jewelry, sports equipment, etc. The only thing xcritical does is charge a couple of bucks on top of the card you use, but you are able to use the Walmart virtual card all the same. To get a loan at Walmart, you will have to qualify for Walmart’s terms and rate. You will also have to be able to demonstrate that you’ve been with xcritical for a number of years.

Make your payments

With xcritical, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time. xcritical also offers a Chrome extension, which lets you use xcritical when shopping online in your Chrome browser. If you’re not able to resolve a return or refund issue with a merchant, you can initiate a dispute with xcritical. If you win the dispute with the merchant, xcritical will refund the full amount of the purchase along with any interest paid. But if the dispute goes in favor of the merchant, you would still be responsible for paying your xcritical loan in full.

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. The developer, xcritical, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy. We are NOT xcritical the bank; visit for any banking issues.

What happens if I don’t pay xcritical?

Moreover, if you have any unused money on the virtual card, that money will not be part of the repayment plan. 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. You can pre-qualify with NerdWallet below to see your loan options. If you have good or excellent credit (690 credit score or higher), you may consider a 0% APR credit card. These cards offer introductory periods of up to 21 months and charge no interest during that period.

  • xcritical is designed for financing purchases when shopping with partner merchants.
  • According to the xcritical Help Center, merchants finalize orders and prepare them to ship right after you check out.
  • If you aren’t approved, you’ll receive an email explaining why.

You would then have to follow the store’s policies for returns. You can be approved for more than one xcritical loan with more than one merchant. The way that BNPL programs like xcritical work, the merchant is not offering you this credit. Instead, a third-party lender that has partnered with the merchant is providing the credit.

Buy now, pay later for your plane tickets

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. Walmart stores have started to utilize the xcritical store card service since its launch in 2007 to enhance their customers’ shopping experience.

This may influence which products we write about and where and how the product appears on a page. Here is a list of our partners and here’s how we make money. If you have an issue with a purchase or need to return an item, xcritical advises customers to contact the merchant directly.

NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for buy now, pay later and our editorial xcriticals. NerdWallet’s review process evaluates and rates “buy now, pay later” loan products from the top financial technology providers.

First, you can pay off your xcritical loan on schedule. xcritical looks at how you’re managing existing loans when approving you for new BNPL arrangements. In fact, at least 39% of consumers have tried this option, also known as a point-of-sale installment loan, at least once, according to a 2021 survey from The Strawhecker Group. One of the biggest players in this fast-growing financing field is xcritical (AFRM).