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
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Replied to 12% of negative reviews
Typically replies within 1 week
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Was able to re finance my loan with no…
Was able to re finance my loan with no problem and provide me with the extra funds
Easy application, but didn't get funds when needed!!
For the most part the application process was fairly simple. However, this is the first time I've applied for an online installment loan where the money was not able to be deposited the same day even though it was a weekend. I have used a few other places that were able to deposit it in my account immediately which is when I need it even if it was a Saturday or Sunday.
Haven’t got it yet
I have a great experience with xact
I have a great experience with xact. I definitely have combined some bills to one and is a great outcome . Flexible terms and payments when you need the service . Customer service is great
Application process was very simple to…
Application process was very simple to implement
Thanks for the help, BUT....
Application was easy and quick to receive funds. However, interest rates are out of this world!! Paying triple back of what was borrowed 2,500/8,000+. I pray to GOD I will not have to go this route EVER again. IF you can find another way to get the funds you need, I HIGHLY recommend you to do so. Already being in a hole, this will put you in deeper in the long run and make you sick to your stomach, to realize how much money you paid back😭
Wasn’t explained the loan amount…
Wasn’t explained the loan amount properly and didn’t receive what I requested. Worst experience I have ever encountered, called two different times and received no help.
This company Xact
This company gives easy to follow instructions for my application. It was fast no waiting for an answer. My payment was reasonable.
I'm a very happy camper!
Fast and easy.
Fine
Very helpful..I can text them without problems because I can't speak due to paralyzed vocal cords..they are quick to help and explain how it works..are easy to understand terms.
The process was so simple and easy
The process was so simple and easy, only 4 steps in the entire process and it was done. I will definitely recommend Xact to all of my family and friends.
Super easy and thorough
Super easy and thorough. I am still waiting for approval and funds but the application process was great compared to others!
My experience was very good.
Easy and seemless loan application…
Easy and seemless loan application process!
The process of applying was very easy…
The process of applying was very easy and didn't take long at all. Applying and getting approved was all done in about five minutes
As a returning customer
As a returning customer, the process was very easy & quick. The loan was approved within seconds of submitting the application while I waited online for a response.
Great work!
Smooth process and I appreciate the help
I am unable to contact customer service…
I am unable to contact customer service to speak with a live agent. The system is telling me I am unable to change my ACH auto pay setup but I need to.
Made everything easy and understandable…
Made everything easy and understandable very professional they helped me to be comfortable with my decision thank you so very much just waiting for it to hit my bank account 😊
The process was easy and simple to…
The process was easy and simple to follow. I didn’t like having to keep pushing the buttons to give birthday it kept going back to default, but the process was easy.
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