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, as soon as the next business day.
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
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
Pocket360® is a secure, online tool to help safely manage your account. You can view your account, make monthly payments, and get cash back rewards.4 Check out our video to see the benefits of P360.
Free credit monitoring5 with your Xact Installment Loan. When you log in to Pocket360, you’ll have access to the Transunion CreditView Dashboard, so you can monitor and manage your credit.
1. Instantly check your TransUnion Credit Score for free.
2. Receive free credit alerts.
3. Make sure your credit is moving forward – just like you.
- Actual loan amount and terms will vary based on final evaluation and credit qualifications. Payment amounts vary by rate. The Xact® Loan is subject to a flat 18-month term. As an illustrative example, if you borrow $1,400 with a 192.77% Annual Percentage Rate (APR) and an 18-month term, your payments would be $119.42 biweekly for a total cost of $4,417.69. There are no application, origination, or pre-payment fees; late payment and returned payment fees may apply. APRs range from [145% - 225 % ]. The maximum APR on any Xact® Loan is 225%. APRs will vary depending on credit qualifications and loan amount.
- Payments must be made on time in order to enhance credit with lender.
- 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 .
- Availability restrictions apply.
- 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, 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 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