Fast and smooth service… only small negative impact on the approved loan is high risk interest rate. They need to reduce the high interest rates for repeat customers. Overall, it helps emergency funds... See more
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About Xact
Written by the company
WE’LL HANDLE IT… TOGETHER.
Why the Xact Loan?
- We’re available online any time to help you get an approval day or night
- You can rest assured your digital security and identity will be protected whenever you use our services
- We offer access to free credit monitoring
- Our Pocket360 account/loan management tool makes managing your loan easy
- Xact’s Finance Academy blog for free financial education is always available
Installment Loans
When life goes in one direction and your financial situation goes in another, it can be hard to figure out the right path forward. In situations where you need to borrow large amounts of money and you need flexible, longer-term payment options, an online installment loan could be the best solution for you.
Personal installment loans are a way to pay for life's necessities rather than using or applying for a credit card or taking out a payday loan. They offer borrowers the ability to pay a loan back over time and can help customers rebuild their credit. Installment loans have longer terms and come in higher loan amounts and are designed to help you build a loan that fits your needs.
People choose online installment loans because their application process is simple and easy and they may have fewer fees and expenses than some credit cards.
Regardless of whether you're dealing with a leaky roof, are being forced to meet a higher insurance deductible, desperately need a new car, or unexpectedly need help with a home renovation, installment loans online can be funded as soon as the next business day.
Visit Xact.com for more information about installment loans, to apply for a loan and more. You can count on the Xact Loan .
Our Partnership
Quill Bank and Axcess Financial partnered with a common goal of providing a financial solution that was lacking in the market to meet the needs of our customers. Xact Loan is that product.
Founded in 1993, Quill Bank, is based in Provo, Utah and has been voted into the Top 100 Community Banks (2016). Quill Bank provides secure, online lending, as part of that commitment, to ensure your personal and financial information is secure and protected.
For more than 25 years, Axcess Financial (Cincinnati, OH) has been a financial provider for real people. Axcess is proud to serve hardworking customers, who have experienced life’s toughest moments.
The goal of the partnership has always been, and will always be, to put people first. Together, they don’t just lend money- they lend a hand.
Our Commitment
Thousands of people just like you all across the country use our services every day to help get their financial situations back on track. We believe in what you’re trying to do, and we’re proud to be able to help make a difference.
Pocket360 Account Management Tool With Mobile Access
Manage your loans/account with us right from the palm of your hand, or from your desktop. You can see your current account information any time.
With P360, you’ll have access to:
- Apply for new loans
- View loan history
- Read financial education articles
Helpful Links
Contact info
United States
- xact.com
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 12% of negative reviews
Typically replies within 1 week
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THE PERSON I DEALT WITH ON THE PHONE…
THE PERSON I DEALT WITH ON THE PHONE WAS KIND AND VERY HELPFUL
CSR very helpful and happy to…
CSR very helpful and happy to understand them.
Xact loans saved the day again and again
Xact loans have come in and saved my day a handful of times now. Being able to select the payment amount that works for me has been ideal. I love being able to payoff my loan early to save myself on interest fees is what keeps me coming back to Xact
A returning customer here
A returning customer here. Easy access, simple forms, and a quick response.
Very easy process for financing pretty…
Very easy process for financing pretty high, but at least you can pay it off on time without extra hassles and a fee. Very recommendable if your credit is not good and you need cash for a short term loan.
I needed the funds to do some fixing on…
I needed the funds to do some fixing on two vehicles. The interest is somewhat high, but, hey you want the money? Thank you very much.
Easy to apply no problems
Outstanding service
Outstanding service! I have used Xact several times. It is very easy to use. It is not time consuming . I recommend it to all of my friends. Thank you very much. Keep up the good work.
So quick and easy
So quick and easy. So effortless and efficient. What I really needed, when I needed it!
Process was seamless and smooth to refi…
Process was seamless and smooth to refi and paperwork was easy to understand about new monthly rate and length to pay off loan.
The application was easy
The application was easy, approval was fast, just a great online experience.
Sharon B
It was easy but can’t find a way to…
It was easy but can’t find a way to cancel and redo for higher amounts
Fast and reliable service
Fast and reliable service! My go to for emergency funds!
Fast service
Was efficient and didn't take long at…
Was efficient and didn't take long at all. I have used in the past. Has helped me build my credit.
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