Xact Reviews 4,371

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the fast and easy loan approval process, appreciating the quick deposits, often within 24 hours. Many people find the user experience to be smooth and straightforward, with simple applications and clear communication. The customer service is consistently praised for being professional, courteous, and helpful, with representatives showing genuine interest in assisting users. However, some customers expressed concerns regarding the interest rates, describing them as high and expensive. A few people also noted issues with payment transparency and occasional delays in receiving funds.

What people talk about most

User experience

People report positive experiences with user experience, highlighting the ease, speed, and clarity of the... See more

Service

Reviewers highlight positive aspects of service. Customers consistently praise the fast, easy, and reliable... See more

Payment

Customers had ambiguous experiences with payment. Many reviewers praised the fast funding, with money often... See more

Customer service

Customers consistently note positive experiences with customer service, highlighting helpful, professional,... See more

Price

Users describe ambiguous interactions with price. While some customers appreciate low finance charges and... See more

Based on these reviews

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

The loan approval process was quick and easy. The response time was immediate. It's important to note that these installment loans are very expensive and if at all possible, they should be paid off as... See more

Rated 5 out of 5 stars

I am a returning patron. With the shutdown, i needed a little cushion until the government opens up. I thought of Xact and tried for a small loan. The online application was a little confusing but I... See more

Rated 5 out of 5 stars

When I need help with money for something I apply and you check my credit report and approve me. I am usually approved within 15 minutes after I turn in application on line. The money is usually depos... See more


Company details

About Xact

Written by the company

WE’LL HANDLE IT… TOGETHER.

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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

Learn More about Xact

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 .


Apply Online

Our Partnership

CCBank, Member FDIC, 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, Capital Community Bank (CCBank), Member FDIC, is based in Provo, Utah and has been voted into the Top 100 Community Banks (2016). CCBank 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

Learn More About Pocket360


Helpful Links


Apply Now

How It Works

FAQs

Finance 101 Blog

Contact Us



Contact info

4.6

Excellent

TrustScore 4.5 out of 5

4K reviews

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Replied to 12% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

Excellent Customer Service

The problem I had with my application was using my phone for everything. I couldn't get my code and that prevented the process. I received excellent service from the lady that helped. I loggon into my computer and the problem was resolved. She was excellent in every way!!!

18 April 2026
Unprompted review
Rated 4 out of 5 stars

Xact was very thorough

Xact was very thorough and did their job. I was a little misled because I thought I was going to be able to have approval for $1000 more than I did, but on the happy side, you did not deny me like the other four companies, I talked to today. thank you so much for your service

15 April 2026
Unprompted review
Rated 5 out of 5 stars

Helping Hand

I needed to pay rent and I could not seem to get a loan to do so. I thank you for the low finance charge and helping out quickly.

8 April 2026
Unprompted review
Rated 3 out of 5 stars

I like that I can get a loan anytime I…

I like that I can get a loan anytime I need it but every time I do take out a loan there's always a problem like this time I said my payday was on the 10th and they made it for a week early and I took the loan out early enough to get it the same day but I didn't I don't need it now cuz I had to wait over the weekend I needed it for Easter and now I have nothing

3 April 2026
Unprompted review

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