HOW IT WORKS
Applying for the Xact loan® is simple and secure. In just a few easy steps, you could have the money you need deposited directly into your bank account. Funding as soon as 30 minutes if using a debit card.1
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!
Funding as soon as 30 minutes if using a debit card.1
Get started now with our simple and secure application process.
Here’s what you will need to apply:
- Valid ID
- Income information
- Working phone number
- Active checking account, must be active for at least 30 days.
MANAGING YOUR ONLINE LOAN
With an Xact Loan, you will have access to our online loan management tool, Pocket360. Pocket360, also known as P360, is a secure tool to help you safely view your account and make payments online.
Already have an account?
- Approval depends upon meeting legal, regulatory and underwriting requirements. All times and dates are based on Eastern Time (ET). Originated loans can be funded in as little as 30 minutes to a Visa debit card. Funding times may vary based on the consumer debit card bank. Funding to a MasterCard may be subject to restrictions. Funding by ACH may occur as soon as the same 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 .
- Actual loan amount and terms will vary based on final evaluation of income and credit qualifications. Payment amounts vary by loan term and rate.
- Payments must be made on time in order to enhance credit with lender.
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 Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, 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 
Xact Customer Service Hours:
Monday–Friday: 8 am – 9 pm EST.
Saturday: 10am - 2pm EST
Monday–Friday: 8 am – 9 pm EST.
Saturday: 10am - 2pm EST
NOW AVAILABLE funding as soon as 30-minutes when using a debit card1