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  • How It Works |
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  • Finance 101 |

FINANCE 101

We're dedicated to keeping our customers informed when it comes to financial topics. Our Finance 101 section can help you get a handle on your budget, protect yourself against scams, understand how finances work, and more.

Finance Basics

You Have Tax Questions? We Have Answers.

Pocket 360®: Easy to Enroll, Easy to Manage!

7 Side Gigs that Help Others

7 Tips to Avoid Holiday Scams

Renting vs Owning

Safe Holiday Shopping Tips During COVID

3 Most Common Scams By Age Group and How to Avoid Them

Avoid a Scam With 6 Simple Steps

Three Ways Online Scammers Use Age to Target Victims

4 Reasons Renters Insurance Is Worth the Cost


Budgeting

What Is Napkin Budgeting and How Can It Help With Your Personal Finances?

8 of the Best Ways to Save Money on Groceries

9 Ways to Celebrate Valentine's Day on a Budget

4 Financial Resolutions for Your Future

10 Ways to Save on Gift Giving

Create a Budget You Can Stick To

Money Saving

6 Easy Ways to Pay Off Holiday Debt

10 Smart Tricks to Start Saving Money Today

Don't Get Sunk By These 4 Major Unexpected Expenses

9 Moneymaking Apps

8 Ways to Save Energy and Money

New Year’s Resolutions That Won’t Empty Your Wallet

3 Tips to Save on Holiday Gift Wrapping

When Is the Best Time to Buy a Computer?

Credit Scores

4 Things That May Help You Advance Your Credit Score

How to Contest an Entry on Your Credit Report

Having Bad Credit Can Mean Higher Insurance Rates

How to Improve Bad Credit

How to Pay Off Debt

When a Credit Score Matters--and When It Doesn't 

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 rate “APRs” range from [145% - 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. 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.

* Xact loans to Alabama residents have a maximum amount financed of $2,000. Xact loans to California residents have a maximum amount financed of $2,400.

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.

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, Washington, 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 My Personal Information California Consumer Privacy Act (CCPA) Opt-Out Icon

Contact Us

800.316.4220

P.O. Box 36454
Cincinnati, OH 45236-0454

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

Privacy Policy  |  Terms & Conditions  |  Privacy Policy CCPA  |  PRIVACY NOTICE AFS  |  PRIVACY NOTICE CCB

DO NOT SELL MY PERSONAL INFORMATION  |  CALIFORNIA CONSUMER PRIVACY ACT


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