Fast and smooth service… only small negative impact on the approved loan is high risk interest rate. They need to reduce the high interest rates for repeat customers. Overall, it helps emergency funds... See more
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About Xact
Written by the company
WE’LL HANDLE IT… TOGETHER.
Why the Xact Loan?
- We’re available online any time to help you get an approval day or night
- You can rest assured your digital security and identity will be protected whenever you use our services
- We offer access to free credit monitoring
- Our Pocket360 account/loan management tool makes managing your loan easy
- Xact’s Finance Academy blog for free financial education is always available
Installment Loans
When life goes in one direction and your financial situation goes in another, it can be hard to figure out the right path forward. In situations where you need to borrow large amounts of money and you need flexible, longer-term payment options, an online installment loan could be the best solution for you.
Personal installment loans are a way to pay for life's necessities rather than using or applying for a credit card or taking out a payday loan. They offer borrowers the ability to pay a loan back over time and can help customers rebuild their credit. Installment loans have longer terms and come in higher loan amounts and are designed to help you build a loan that fits your needs.
People choose online installment loans because their application process is simple and easy and they may have fewer fees and expenses than some credit cards.
Regardless of whether you're dealing with a leaky roof, are being forced to meet a higher insurance deductible, desperately need a new car, or unexpectedly need help with a home renovation, installment loans online can be funded as soon as the next business day.
Visit Xact.com for more information about installment loans, to apply for a loan and more. You can count on the Xact Loan .
Our Partnership
Quill Bank and Axcess Financial partnered with a common goal of providing a financial solution that was lacking in the market to meet the needs of our customers. Xact Loan is that product.
Founded in 1993, Quill Bank, is based in Provo, Utah and has been voted into the Top 100 Community Banks (2016). Quill Bank provides secure, online lending, as part of that commitment, to ensure your personal and financial information is secure and protected.
For more than 25 years, Axcess Financial (Cincinnati, OH) has been a financial provider for real people. Axcess is proud to serve hardworking customers, who have experienced life’s toughest moments.
The goal of the partnership has always been, and will always be, to put people first. Together, they don’t just lend money- they lend a hand.
Our Commitment
Thousands of people just like you all across the country use our services every day to help get their financial situations back on track. We believe in what you’re trying to do, and we’re proud to be able to help make a difference.
Pocket360 Account Management Tool With Mobile Access
Manage your loans/account with us right from the palm of your hand, or from your desktop. You can see your current account information any time.
With P360, you’ll have access to:
- Apply for new loans
- View loan history
- Read financial education articles
Helpful Links
Contact info
United States
- xact.com
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 12% of negative reviews
Typically replies within 1 week
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That it was easy to follow the…
That it was easy to follow the instructions and make it great to apply and get satisfaction the payment was easy to add to account and the plan easy to understand.
Was told that my account routing number…
Was told that my account routing number was wrong & my loan was cancelled. Only found out because I called to see why it hadn’t been deposited despite I got an email with a due date in it.
The ease of use of the automated…
The ease of use of the automated system. And the fact that a decision was made quickly.
Great company fast and easy applying
Great company fast and easy applying. And great customer service too
Computer somewhat easy but service is…
Computer somewhat easy but service is great
The application process was very easy…
The application process was very easy and
Quick. I really appreciate not having to go
Through a long complicated process.
Thank You
Very easy to navigate
Very easy to navigate, and I like how you keep me informed on everything.
All comes across as very professional
Easy outline tailored to the specific…
Easy outline tailored to the specific requirements of my needs
Stay away
Okay they're going to charge me June 18th for a loan that I never received I typed in my account number twice and they still got it wrong so now they're telling me I have to wait four or five days before the loan to cancel so I'm contacting my bank and letting them know this is a very shady company
I am very disappointed with the lack of…
I am very disappointed with the lack of transparency and clarity around the loan amount and payment. I was approved for a loan in the amt of $3500 which I was happy about even though the monthly payments were quite bit higher than id like. I went to log into my acct and wasnt able to. I checked my emails to make sure i was approved which i was except the loan was for $2250 over $1000 less than what i agreed to and my payment was the same amt.
For a bank to offer you one loan amt when in reality they were funding a lot less but still charging the same as the higher loan. This fells very predatory especially in 2026. The int payment was disclosed at 200% which is higher than most credit cards. But i knew this when i agreed to the terms of the loan. Also the min I signed off on it I was asked to already make a payment before ive received anything
THE BEST OF THE BEST
Website easy to maneuver through
Website easy to maneuver through, process is easy and fast
The process was easy!
The process was easy. I did not receive any annoying phone calls full of unnecessary questions. After submitting my application, the approval was faster than I anticipated. I received a loan through Xact before. They were still available when I needed them. They are truly a lifesaver!
EasyShare to apply and very quick about…
Easy to apply and very quick about getting answers and also getting quick results on your loan status.
It was quick and easy
It was quick and easy. Didn’t take long to apply. App was easy.
Thank you very much for the amount that…
Thank you very much for the amount that was requested. It was an easy process.
Super fast and easy application
Super fast and easy application. Responses/approval are quick. Hopefully money hits next day as stated!
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