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 total cost of and rate is a joke…
the total cost of and rate is a joke for the small loan.
It was simple process to refinance
It was simple process to refinance. However, I haven’t received my money as of yet.
It was very easy to apply.
Very easy and great web platform
Because they treated me well and I hope…
Because they treated me well and I hope that I will get the loan.
Great company!
I needed the money right away, I got it!
I’ve used this loan app before and it was simple and easy.
So easy to apply and I feel my…
So easy to apply and I feel my information is safe and secured
Was fast and easy
Customer service is always top notch.
Customer service is always top notch.
Easy process
Easy process. Paperwork is not confusing. Just awesome. Thanks
Pocket360 App Issues
The Pocket360 never recognizes my email. I have to use the link through Xact email. Also, the application doesn't complete in Pocket360. Again, I have to go back to Xact to complete the final step.
I didn’t know interest was gona be 130%…
I didn’t know interest was gona be 130% interest smh
Good evening,I was told i had been…
Good evening,I was told i had been approve for a new loan,then it said i didnt get the loan i was disappointed i need that money for daughter open house class of 2026,but thats ok.
Loan process was quick and easy
Loan process was quick and easy. Terms are outrageous but when in a pinch Xact came through for me. Decision was was fast and no extra paperwork.
I was promised a loan of $1750…
I was promised a loan of $1750 deposited into my account this morning and I still haven't received any funds.
Although my credit it not the greatest…
Although my credit it not the greatest but thank you for trusting in me to boworrow from your company. And the payments are affordable for me.
Gabriele assisted me throughout the…
Gabriele assisted me throughout the whole process of refinancing. He was very knowledgeable, patient, and reassuring. These attributes helped me to make clear decisions and to understand my financial goals, The application was simple and the service was great. Thank you.
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