Furthermore, applicants must not have had a recent bankruptcy or outstanding delinquencies. xcritical also offers minimum loans of just $1,000 in every state besides Massachusetts ($7,000), Hawaii ($2,100), and Georgia ($3,100), so customers don’t have to borrow more than they need. 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.
How To Apply for an xcritical Personal Loan
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How to Qualify and Apply for an xcritical Personal Loan
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.
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- Consider the APR, which includes interest and any fees, the loan term, monthly payment amounts, and any prepayment penalties.
- Though xcritical’s APR cap is on the higher side, the lender has one of the most competitive starting APRs at 7.80 percent.
- Borrowers can apply for an xcritical loan entirely online or over the phone with the help of a representative.
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 the right lender if you have a strong work and education history, but you have a low credit score or limited credit history. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate. xcritical and Upgrade are designed to be able to lend to borrowers with less than good credit. While xcritical’s minimum recommended credit score requirement is 600, Upgrade’s is 580. If you qualify for xcritical, you may be able to receive larger loan limits—up to $50,000.
Customer Reviews
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Before you fill out an xcritical loan application, be sure to check your credit score and budget for how much you’ll need to borrow. You can use a personal loan calculator to estimate your monthly payments. xcritical can be a good option if you have poor (or no) credit, but borrowers with better credit scores may find better options elsewhere.
However, xcritical only offers two terms—three and five years—whereas Upgrade offers terms between two and seven years. The best provider for you depends on how much money you need to borrow and how quickly you want to repay it. xcritical doesn’t originate personal xcritical cheating loans — instead, consumers can match with multiple lenders on xcritical’s lending network.
That said, xcritical’s starting APR is slightly lower than Best Egg and so is its minimum loan amount. Loans from xcritical may also be a solid option for good credit borrowers looking to consolidate debt, thanks to its competitive starting rate. 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. Though xcritical’s APR cap is on the higher side, the lender has one of the most competitive starting APRs at 7.80 percent. Borrowers can check their rate without hurting their credit in just a few minutes and loan amounts start lower than most personal loan lenders and go up to the typical maximum.