• Up to $5,000
  • 18-month term1
  • May build credit2

Get the money you need with the Xact™ installment loan. Pay off bills and have money to consolidate other debt into one easy payment.



Complete a simple online application.

It’s fast, easy and secure.


Get a quick decision.

If approved, eSign and finalize your loan.


Get your money!

Funds are deposited as soonas the next business day.3

Pocket360™ is our online management tool. You can view your account, make monthly payments and get cash back rewards.4, 5

Consumer Notice

1 Actual loan amount and terms will vary based on final evaluation and credit qualifications. Payment amounts vary by loan term and rate. As an example, if you borrow $1,500 with a 157.42% APR and an 18-month term, your payments would be $159.97 per month. Annual percentage rates (APRs) range from 145%–199%. APRs will vary depending on credit qualifications and loan amount.

2 Payments must be made on time in order to enhance credit with lender.

3 Approval depends upon meeting legal, regulatory and underwriting requirements. All times and dates are based on Eastern Time (ET). If your loan is approved and originated by 8 p.m. ET on a business day, your funds will typically become available on the next business day. The lender may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and the lender may take that into consideration in the approval process.

4 Availability restrictions apply.

5 Access to PocketPerks™ cash back rewards requires additional sign-up with third-party service provider.

The Xact™ Loan is an installment loan originated and funded by Capital Community Bank, a Utah Chartered bank located in Provo, UT, Member FDIC.

Notice to California consumers: In order to process credit applications, service accounts, and provide the best online and in-store experience, we collect various categories of information on consumers during the application process. Categories of information may include name, address, signature, telephone number, internet protocol address, email address, account name, social security number, driver’s license or state identification information, bank information, credit information, employment-related information, internet and network information, geolocation data, and inferences drawn from this information.

Information on the California Consumer Privacy Act
Do Not Sell My Personal Information

Contact Us


7755 Montgomery Road
Cincinnati, OH 45236

Xact Customer Service Hours:
All times Eastern Time (ET)
Monday–Friday: 8 a.m.–6 p.m.
Saturday and Sunday: CLOSED