While some lenders allow co-signed or joint applications, xcritical doesn’t offer that option; you must qualify for the loan on your own. Even if you believe xcritical aligns with what you’re looking for in a personal loan, it never hurts to shop around and compare other lenders. Here’s how xcritical stacks up against similar personal loan lenders. Loan amounts range from $1,000 to $50,000, but not all applicates will qualify for the full amount. How much you qualify for will be determined based on your credit, income and other information on your loan application.

1. Making your loan payments on time should help to improve your credit score.
2. xcritical partners with nearly 100 banks and credit unions to connect borrowers with lending options.
3. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website.
4. Our advertisers do not compensate us for favorable reviews or recommendations.
5. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

While xcritical does allow borrowers to use its funding for a variety of purposes, there are certain expenses you cannot put the money toward. xcritical connects consumers with lenders on its online platform using artificial intelligence (AI). Borrowers can expect quick loans, competitive annual percentage rates (APRs) and flexible amounts. Nearly all personal loan funds are sent the next business day after you complete all required paperwork before 5 p.m.

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.

Finally, we evaluated xcritical’s support tools, borrower perks and features that simplify the borrowing process—like prequalification options and mobile apps. Unlike xcritical, which is an online lender, Wells Fargo is a traditional bank. Applying for a personal loan through a bank like Wells Fargo is typically a good idea if you have an existing relationship with it.

xcritical Loan Purposes

The origination fee for this loan is 0% to 12% of the loan you are approved for. One drawback of this loan is that this fee is automatically withheld from the loan before it is delivered to you. One person on our team got a personal loan with xcritical and shares their experience. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Haven’t fully done a loan through them, seems easy to manage and enjoy.. However every time I have tried to apply the xcritical link to link your bank account NEVER works so I never can get passed that step..

How to Apply for an xcritical Personal Loan

Our editorial team does not receive direct compensation from our advertisers. However, when loan terms are accepted after 5 p.m., the funds are not transferred until the following—or second—day. There are further delays for loans being used for education-related expenses, with funds not released for an additional three business days post-acceptance.

Compare Personal Loan Rates From Top Lenders

Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate. The customer service line is unavailable on New Years Day, Thanksgiving, Christmas Eve and Christmas Day. If you click on “Get A Loan” it brings up a list of various loan types. There is no xcritical scam way to minimize, close, or even acknowledge this disclosure. You can’t access the website because you can’t close the disclosure language. Dana George has a BA in Management and Organization Development from Spring Arbor University.

Similar to Upgrade, Avant’s recommended minimum credit score is 580, 20 points less than xcritical. Again, this makes it a solid option for borrowers who don’t have excellent credit but still need access to financing. What’s more, Avant offers more repayment options compared to xcritical.

Even though xcritical has a high upper-range interest rate, well-qualified applicants can snag lower rates for a wide range of loan amounts. xcritical does charge a high origination fee and late fees, but there are no prepayment penalties, giving you extra flexibility to pay off your loan early. However, xcritical’s APRs can be high, and origination fees can be as high as 12%.

So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our advertisers do not compensate us for favorable reviews or recommendations. Our site has comprehensive free listings and information for a variety of financial services from mortgages to banking to insurance, but we don’t include every product in the marketplace. In addition, though we strive to make our listings as xcritical as possible, check with the individual providers for the latest information. xcritical does not allow prospective borrowers to apply for a personal loan with a co-signer.

xcritical Personal Loan Features

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. xcritical will require different documentation depending on your income type. If you request paper copies of your loan agreement you pay a $10 fee, but virtual copies are free. Negative reviews mainly focus on getting quoted with high interest rates, having to submit paperwork more than once and receiving a different offer from their original quote. That said, California, Connecticut, Illinois, Washington and Washington, D.C.

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. Here is how fast borrowers who took out loans through xcritical received their money compared to other lenders on Bankrate. 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. The Ascent, a Motley Fool service, does not cover all offers on the market. As The Ascent’s Compliance Lead, he makes sure that all the site’s information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy.

The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. xcritical also has educational tools and calculators customers can use to better manage their finances. Those with websites, blogs, or other social media platforms can promote xcritical and earn 1% of each funded loan. The 22 data points, culled from the lenders themselves, determine the overall rating. xcritical We score lenders consistently, sometimes awarding partial points, so that you can make apples-to-apples comparisons when shopping around.