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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Application was easy and…
Application was easy and straightforward. Payment easy to set up.
It was very easy to use the application…
It was very easy to use the application once I got started.
Great to work with
Very easy process to refinance. The payment is affordable. Hoping for lower interest rate in the future
Every thing went very good and it’s…
Every thing went very good and it’s easy to do the app online. Because if you’re very busy and can’t call every thing on the app is easy and very simple. Put in all your information in correctly and follow all the steps it’s easy.
Easy to speak w a person and online was…
Easy to speak w a person and online was easy
easy to use to get the help you need
How quick the approval and deposit is
How quick the approval and deposit is
Was fast and efficient loved this place
Was fast and efficient loved this place
Not too bad.
Quick, easy, straight to the point on what they can do.
The only issue I found was that I couldn't set the payment date to align with my pay day dates. Other loaner do this very conveniently. This establishment does not. Very important for some people. Otherwise very easy to apply and such.
The process was straightforward
The process was straightforward, the site was easy to navigate, and of course thanks for the help during this time!
Quick and simple application
It was very easy to apply with a surprising reward.
Thank you for your consideration and trust!
Experience was more than five stars ⭐️
Experience was more than five stars ⭐️! absolutely!
I really appreciate all staff work and Coustemer service!
Very friendly and very helpful and patient
Thank you so much for so great help me
And l respect your nice conditions
And pay on time
I am so happy!
I never forget your help absolutely
I get Leon fast after paying my old loan!
I so recommend!
Again I really appreciate your great help always
You the best one in USA 🇺🇸 Lender
Respectfully yours
Coustemer
Adnan Khafeef
05/15/2026
Very easy and understandable
Very easy and understandable. Process was smooth and trustworthy.
Xact is very helpful and always on…
Xact is very helpful and always on time. I love you guys' keep up the GREAT WORK!
Did good helping me get loan.
It was so easy to apply
It was so easy to apply, response time was in minutes, after the requested info was sent. What a pleasure dealing with Xact, no delays no miss information just positive results. I strongly recommend checking into Xact first before getting hung up with a provider that says they will, Xact came through for me, so I recommend checking them out also, I sure you will be satisfied.
The easiest process I have ever had…
The easiest process I have ever had outstanding.
Quick, easy, understandable
An easy, simple process that was quick that met my financial needs. Would recommend and will use again in the future if needed.
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