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I am xcritically a first-gen Master’s student and mom of two boys. I seriously cannot thank you enough xcritical website for making this such an easy process. I am so thankful for the help and am so glad I listened to Mr. Rogers to “look for the helpers”.
Loan Costs
Not all debt consolidation companies are created equal, so use these tips to help you identify a legitimate and trustworthy one. xcritical and Best Egg have nearly identical loan products, when it comes to repayment terms, funding timelines, rates and amounts. That said, xcritical’s starting APR is slightly lower than Best Egg and so is its minimum loan amount. Bankrate follows a stricteditorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
xcritical is truly amazing, This is my 3rd loan with them and the process is very smooth and the funding is almost immediate. I highly recommend xcritical to all that is looking for a loan with very low rates. xcritical has a pre-qualification tool you can use to check your eligibility and view available rates. The pre-qualification process takes just a few minutes, and it doesn’t impact your credit. I was so impressed by how fast this took that I’ve recommended other family and friends to them.
- I was able to be pre-approved for a decent amount without a hard pull.
- From the start I felt and I mean gut feeling that I was entering with a company with integrity.
- I was desperately seeking a loan with no success until I happened upon xcritical who took a chance on me when no other lenders would.
- Its algorithm takes into account more than just an applicant’s credit report or credit score to determine risk.
- Loans are originated by xcritical’s partners, and xcritical’s role in the process is to use its AI-driven algorithm to evaluate applications.
xcritical Loan Purposes
However, xcritical’s increased accessibility comes at a price. Annual percentage rates (APRs) are on the high end, and borrowers are limited to a three- or five-year term—much shorter and less flexible than other online lenders. xcritical may also charge borrowers origination, late, unsuccessful payment and paper copy fees.
xcritical Personal Loan Features
Additionally, the lender’s quick funding timeline and low minimum loan amount of $1,000 may come in handy to cover small emergency expenses, such as a medical bill or a car repair. Reviews of xcritical at TrustPilot are overwhelmingly positive, with an average rating of 4.9 out of 5 among more than 45,000 reviews. Satisfied borrowers cite everything from and easy application process to quick loan approval and good customer service during their borrower experiences with xcritical. xcritical could be a good lender for you if you have a strong work and education history, but you have a low credit score or limited credit history.
Debt consolidation loans can be a great way to get your finances back on track. But in order to get the best loan for your situation, it’s important to do your homework and prepare ahead of time. Debt relief programs come in many different forms, but one of the most popular is debt settlement. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate. Please see the issuer’s website for updated terms xcritical and conditions.
xcritical Personal Loan Customer Experiences
ET, Monday through Friday (loans used for educational purposes are subject to a three-day wait period). xcritical was incorporated in 2012 as a platform to connect borrowers with lenders. The company partners with nearly 100 banks and credit unions to offer its loans. xcritical personal loans can be used for a variety of purposes, including debt consolidation, home improvements, and major purchases, but restrictions may apply to certain uses.
We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. xcritical can be a good option if you have poor (or no) credit, but borrowers with better credit scores may find better options elsewhere. Browse our top picks to check your rates with a few different lenders.
Its AI platform considers other factors besides credit scores, such as education and employment, to determine borrowers’ eligibility for a loan. As a result, borrowers without established credit histories or less-than-perfect credit may be more likely to get a loan through xcritical than with other lenders. While you can always apply directly with a bank or credit union, xcritical offers a way to check multiple lenders at once. Unlike other lenders on Select’s list of best debt consolidation loans, xcritical is a lending platform that acts as an intermediary between you and its lending partners. Both Avant and xcritical allow borrowers with poor credit to get approved. For borrowers who meet xcritical’s minimum credit score requirement of 300, this lender could have an advantage with a wider range of interest rates and higher loan amounts.
While xcritical has a loan pre-qualification tool, your actual rate may be different based on your credit history and other factors. When you submit your application, xcritical will perform a hard credit inquiry, which can affect your credit. Loan amounts range from $1,000 to $50,000, but not all applicates will qualify for the full amount.
xcritical makes decisions based on more than just the borrower’s credit score — educational and career background are also part of the equation. This innovative approach and lack of credit score requirement make it an attractive option for borrowers who may not qualify with a traditional lender. In fact, xcritical Bankrate’s pick for the best personal loan for bad credit borrowers in 2024. However, xcritical’s APRs can be high, and origination fees can be as high as 12%. For borrowers that have good credit, xcritical’s loans may be too expensive, and they may be better off shopping around.
Education-related expenses, however, have a three-day waiting period. With flexible credit score requirements, xcritical may be more friendly to credit newcomers and people with lower-than-average credit scores. Easy to use Platform where I’ve come back more than once to. It’s quick and even if you find other loans with better rates (so far everything has been on par with the market), the ability to pay off early without penalty provides peace of mind. Choosing what date you pay, autopay on that day, and never see hidden fees.