An online personal loan for you—secure, long-term, and funded as soon as the next business day.3

  • Up to $5,000*
  • 18-month term1
  • Access to FREE credit monitoring5
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Step 1 Application Icon

Complete a simple online application.

It’s fast, easy and secure.

Step 2 Quick Decision Icon

Get a quick decision.

If approved, eSign and finalize your loan.

Step 3 Get Your Money Icon

Get your money!

Funds are deposited as soon as the next business day.3

Protecting your personal and financial information is one of our top priorities. We know it’s important to you – and it’s important to us too. We use best-in-class identity authentication solutions, so you can feel safe with Xact®.

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Xact is an online-only installment loan with larger loan amounts and longer terms, giving customers the funds they need to consolidate debt into one easy payment. The Xact Loan® may also build credit.2 We know monitoring and managing your credit score is important, when you have an Xact Loan, you get access to free credit monitoring5.

We understand that life can be challenging, and that’s why the Xact Loan offers financial solutions to help you get through it. Reach out today—we’ll handle tomorrow, together.

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CCBank, Member FDIC and Axcess Financial, partnered with a common goal of providing a financial solution that was lacking in the market to meet the needs of everyday people. By listening to the needs of customers, and through a diligent partnership, the Xact Loan was developed.

Founded in 1993, Capital Community Bank (CCBank), Member FDIC is based in Provo, Utah. Voted into the Top 100 Community Banks (2016), CCBank prides itself as a community-focused financial institution, committed to the financial well-being of their customers. CCBank provides secure, online lending, as part of that commitment, to ensure your personal and financial information stays protected. CCBank works hard to ensure customers have options that meet their needs—and that’s why they teamed up with a company that has similar philosophies, and bring a new product to the market.

For more than 25 years, Axcess Financial (Cincinnati, OH) has been a financial service provider for real people. Axcess is proud to serve hardworking customers, who have experienced life’s toughest moments. Through a family of brands, Axcess is committed to providing financial solutions to those who need it most.

The goal of this partnership has always been, and will always be, to put people first. Together, they don’t just lend money—they lend a hand. 

Consumer Notice


  1. Actual loan amount and terms will vary based on final evaluation and credit qualifications. Payment amounts vary by rate. The Xact® Loan has either an 18-month or 24-month term, depending on consumer qualifications. The 24-month term may only be offered to qualifying returning or refinancing consumers.  The table below provides illustrative examples for each available term length.

    Term Length Principal Balance Annual Percentage Rate (APR) Installment Payments Total Payments
    18 Months$1,400192.77%37 biweekly payments of $119.42$4,417.69
    24 Months$2,000144.61%48 biweekly payments of $119.69$5,745.41

    There are no application, origination, late payment, or returned payment fees. APRs range from [125% - 225%]. The maximum APR on any XACT® Loan is 225%. 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 8:00 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. Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Xact.

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

*  Xact loans to California residents have a maximum amount financed of $2,400.

The Company, individually or through its affiliates, is licensed as a Debt Collector by the California Department of Financial Protection and Innovation (DFPI), License Number 10435-99.

Notice to California consumers: Information on your privacy rights under the California Consumer Privacy Act can be found by reviewing the California Consumer Privacy Act (CCPA) Policy.

Notice to Alabama, Alaska, Arkansas, Arizona, California, Delaware, Florida, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Wisconsin and Wyoming Customers: Xact Installment loans are originated by Capital Community Bank, a Utah chartered bank, located in Provo, UT, Member FDIC.


South Carolina Consumer Disclosure
Information on the California Consumer Privacy Act

Do Not Sell or Share My Personal Information California Consumer Privacy Act (CCPA) Opt-Out Icon

The XACT website will be down starting July 19th from 7pm until July 21st 8am ET to conduct system maintenance. During this time, you will not be able to apply for a loan or access your Pocket360® account.

Contact Us


PO Box 36454
Cincinnati, OH 45236-0454


Xact Customer Service Hours:
Monday–Friday: 8 am – 9 pm EST.
Saturday: 10am - 2pm EST