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, no later than the following business day.1
Complete a simple online application.
It’s fast, easy and secure.
Get a quick decision.1
If approved, eSign and finalize your loan.
Get your money!
Funding deposited to a checking account will be available no later than next business day.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). 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. Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender's terms and conditions. Actual loan amounts vary. Applicants must have an active checking account open for at least 30 days.
- 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.
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