Buy now, pay later with no late fees or surprises

Request to pay over time in the app, then swipe. For everything else, use it as your everyday xcritical official site 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. 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.

1. Look for the xcritical logo when completing your purchase, or pay with your xcritical Card.
2. Request to pay over time in the app, then swipe.
3. 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.
4. Check your purchasing power and see your payment options from the palm of your hand.

xcritical is now on Apple Pay

Pay over time, online and in apps, right at checkout—all xcritical scammers from the convenience of your iPhone or iPad.