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
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, 5 Check out our video to see the benefits of P360.
Free credit score monitoring 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.
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 Alaska, Arkansas, Arizona, Delaware, Florida, Hawaii, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Washington, and Wisconsin 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 
Xact Customer Service Hours:
All times Eastern Time (ET)
Monday–Friday: 8 a.m.–6 p.m.
Saturday and Sunday: CLOSED
All times Eastern Time (ET)
Monday–Friday: 8 a.m.–6 p.m.
Saturday and Sunday: CLOSED