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
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Replied to 12% of negative reviews
Typically replies within 1 week
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The site was fairly easy to navigate
The site was fairly easy to navigate. the approval was extremely fast. When I had trouble completing my application I called member service and Brian walked me through the finish line. He was very patient.
handled quick and great
Very easy to maneuver and explanations…
Very easy to maneuver and explanations were very clear
very nice and professional customer service
BEWARE!
BEWARE!! This is predatory lending at its best. This company is quick to approve you, but if you fall on hard times or if your income changes, they do not negotiate lower payments or a reduced payoff amount! The only reason I gave two stars is because the representatives are always very nice.
Have not got my money yet
Would be five stars but still waiting…
Would be five stars but still waiting on the loan to be deposited. I get it I applied on a Saturday and Monday was Memorial Day but I figured by today it be in my account
Very easy to use
Everything was great
My payment is due and I haven’t even…
My payment is due and I haven’t even received the loan
Very easy and super fast
Very easy process and great customer…
Very easy process and great customer service
The process was quick & easy
The process was quick & easy. Helped me in a time I needed . Dont have great credit & got the amount I needed. High interest but have seen higher with bad credit. Would use them again.
Stay away
Got a notification from my bank saying the money cannot be deposited, but Xact sent me a payment schedule anyway.
I tried to log into my account and it wouldn't accept my password, and that I have to call customer service to change it!
Oh, and over 100 percent APR that they don't show until the end? Shady!
Update: I called customer service to ask why my bank is saying the money could not be deposited. They have a totally different routing and account number than what I entered! Not one number off due to a mistype, but the completely wrong number. Yep, shady!
They were quick with answers and the…
They were quick with answers and the money was in my account the next morning.
Xact did a great job helping me get my…
Xact did a great job helping me get my loan.
Application process was well easy to…
Application process was well easy to complete and able to follow with understanding especially for me being 62 years old.
I’m gone start by saying rates are very…
I’m gone start by saying rates are very high but I have bankruptcy and more so what do you expect but they took a gamble on me and trusted me and I’ve trusted them and they keep coming through so I won’t be going anywhere I usually pay it off each time so I don’t get hit with too much interest
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