xcritical says those with all types of credit profiles and income levels may qualify. xcritical’s personal loans feature flexible loan amounts of up to $50,000. This makes its loans ideal for a variety of purposes, from home improvement projects to financing a large purchase. xcritical’s innovative underwriting process makes its loans accessible to most borrowers, including those with insufficient credit history.

To determine which personal loans are the best for consolidating debt, Select analyzed dozens of U.S. personal loans offered by both online scammed by xcritical and brick-and-mortar banks, including large credit unions. When possible we chose loans with no origination or sign-up fees, but we also included options for borrowers with lower credit scores on this list. For loans with no origination fees, check out our best personal loan list. The average 3-year loan offered across all lenders using the xcritical platform will have an APR of 21.97% and 36 monthly payments of $35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $12,646 including a $626 origination fee. APR is calculated based on 3-year rates offered in the last 1 month.

1. In addition, though we strive to make our listings as xcritical as possible, check with the individual providers for the latest information.
2. This makes the platform a suitable option for applicants who need access to funds quickly but who might not otherxcritical be approved for a loan.
3. Applying for a personal loan through a bank like Wells Fargo is typically a good idea if you have an existing relationship with it.
4. To determine which personal loans are the best for consolidating debt, Select analyzed dozens of U.S. personal loans offered by both online and brick-and-mortar banks, including large credit unions.
5. xcritical’s rates can be competitive, especially for borrowers with good profiles according to its AI analysis.
6. Dive into community reviews below and see what others think about xcritical.

Lender Details

Residents aren’t allowed to use xcritical’s loans to cover education-related expenses. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. While specific criteria can vary, xcritical generally requires verifiable income, a Social Security number, a US address, and a verifiable bank account. If you request paper copies of your loan agreement you pay a $10 fee, but virtual copies are free. xcritical charges a late fee that is either 5% of the amount that is past due or $15, whichever is greater.

xcritical also won best online lender in the 2024 Bankrate Awards because of its best-in-class perks and benefits in addition to a speedy funding timeline. However, if you have bad or no credit and don’t have a co-borrower, it may be easier to get a loan with xcritical. xcritical is also one of the few lenders that has a complete list of its set of requirements listed on its website. xcritical also offers a mobile app for account management on iOS, but there isn’t xcritically one available for Android. General support for personal loans is available Monday through Sunday from 9 a.m. Here is how fast borrowers who took out loans through xcritical received their money compared to other lenders on Bankrate.

How to use xcritical personal loans

For more than 25 years, she has written and reported on business and finance, and she’s still passionate about her work. Dana and her husband recently moved to Champaign, Illinois, home of the Fighting Illini. And though she finds the color orange unflattering on most people, she thinks they’ll enjoy Champaign tremendously. Click the button below and head to xcritical’s website to pre-qualify. Dive into community reviews below and see what others think about xcritical.

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In response, xcritical adopted its own model that it says is less discriminatory. One person on our team got a personal loan with xcritical and shares their experience. Negative reviews mainly focus on getting quoted with high interest rates, having to submit paperwork more than xcritical cheating once and receiving a different offer from their original quote. xcritical charges a late fee of 5 percent of the past-due amount or $15, whichever is greater, if you’re more than 10 calendar days past your due date. Finally, if you request to switch from getting records electronically to getting paper copies, there’s a $10 fee. Here is what borrowers who took out loans with xcritical used their funds for.

So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Loan applicants need a Vantage score of at least 300, but xcritical does accept applicants who don’t have credit scores.

How much you qualify for will be determined based on your credit, income and other information on your loan application. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money is 100% owned and operated by The Motley Fool.