Xact Reviews 

4,527
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 592 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the quick, easy, and seamless process, from application to funding. Many appreciate flexible loan terms and the option to pay off early, helping save on interest. The service is often described as fast, professional, and helpful, with exceptional customer support and clear communication. However, some customers noted concerns regarding high interest rates, often described as excessive, sometimes leading to paying back triple the borrowed amount. A few also felt there was a lack of transparency concerning loan amount changes and account access, and some experienced delays in funding.

What people talk about most

User experience

Reviewers express high satisfaction with the user experience, frequently describing the application process... See more

Service

Customers had positive experiences with service, often describing it as great, fast, and professional.... See more

Payment

Users describe ambiguous interactions with payment, with some customers appreciating the easy application... See more

Customer service

Clients share positive opinions on customer service, frequently highlighting the helpfulness and... See more

Price

Reviewers highlight ambiguous aspects of price, with many expressing dissatisfaction over high interest... See more

Reviews shaping this summary

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

Being a previous customer, This was one of the most quick and easy loan processes I’ve had. Everything was done online and in a very timely manner. The online process gave me the ability to request as... See more

Rated 4 out of 5 stars

My Xact experience was convenient and long. The procedure was continous thru entire set up. There were parts of the application that didn't flow as quick and had to reset program to get the applicat... 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

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

Learn More About Pocket360


Helpful Links


Apply Now

How It Works

FAQs

Finance 101 Blog

Contact Us



Contact info

4.5

Excellent

TrustScore 4.5 out of 5

5k reviews

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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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4.5

All reviews

(4,527)

598 reviews in the last 12 months

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Rated 3 out of 5 stars

Pocket360 App Issues

The Pocket360 never recognizes my email. I have to use the link through Xact email. Also, the application doesn't complete in Pocket360. Again, I have to go back to Xact to complete the final step.

3 May 2026
Unprompted review
Rated 5 out of 5 stars

Gabriele assisted me throughout the…

Gabriele assisted me throughout the whole process of refinancing. He was very knowledgeable, patient, and reassuring. These attributes helped me to make clear decisions and to understand my financial goals, The application was simple and the service was great. Thank you.

28 April 2026
Unprompted review

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