Buy now, pay later with no late fees or surprises

Check your purchasing power and see your payment options from the palm of your hand. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card. Pay over time, xcritical reviews online and in apps, right at checkout—all from the convenience of your iPhone or iPad.

At checkout

1. Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad.
2. Request to pay over time in the app, then swipe.
3. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.

Request to pay over time scammed by xcritical in the app, then swipe. For everything else, use it as your everyday debit card. 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. Request to pay over time for the big stuff, or just pay in full for the smaller things.