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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
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
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.
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
4.5
Excellent
5K reviews
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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Easy and Seamless
The process was easy and straight forward. Did not waste my time and I appreciate that.
July 9, 2026
Unprompted review
Easy and seamless
July 6, 2026
Unprompted review
I love the help I get from you all but…
I love the help I get from you all but I messed up on my most recent request 🤦♂️ usually there is 30 days before my first payment but now with the new loan my first payment is due in 14 days all I did pay last loan off a week earlier
July 8, 2026
Unprompted review
TERRIBLE RUN
Yall.. stay far FAR away from Xact. Not only do they charge 200%+ in interest but they also report to your credit so when your 500+ payment gets unmanageable every month (and it will) your score will take and they will charge your account off and send you to collections before you’re even 90 days past due. It will absolutely ruin your credit. Not only that but their collections threaten you, talk down to you and are absolute pricks. Absolutely predatory and disgusting and they do not care. Again.. I would stay far away. I’ve learned my lesson and I hope they get sued.
March 3, 2026
Unprompted review
Hello good evening
Hello good evening, I'm excited to stay Xact team has me smiling because of the most helpful an amazing customer service I can't express enough how they help me in timingly way to make life an bit easier for me to manage I will recommend Xact as a great loan company to come to in a time of need thanks again for all the help you guys have given to me every time ☺️
July 8, 2026
Unprompted review
Easy Convient and fast is always a…
Easy Convient and fast is always a great choice
July 8, 2026
Unprompted review
User friendly very professional…
User friendly very professional trustworthy app
July 7, 2026
Unprompted review
It was so fast and easy
It was so fast and easy. You don't know how much I appreciate you guys, we were hurting for help with bills and food. Thank you 😊
July 7, 2026
Unprompted review
The application process went smoothly…
The application process went smoothly and responded quickly
I would recommend Xact.
July 7, 2026
Unprompted review
Timely and professional
Timely and professional! No delays! Straightforward communication and delivery! What else would I need from a financial institution that delivers good customer service! Especially for a individual who rebuilding their credit
July 2, 2026
Unprompted review
Quick and easy process
Quick and easy process. Interest rates are on the high side and it would be beneficial to pay off sooner rather then later if at all possible. Overall, it helps emergency funds while other loans couldn’t help.
July 1, 2026
Unprompted review
Super easy without anything misleading
Super easy without anything misleading
June 29, 2026
Unprompted review
I had a great experience getting my…
I had a great experience getting my loan. The application process was straightforward, communication was clear, and I received a decision quickly. The staff was professional and answered all of my questions. I’m very satisfied with the service and would recommend them to anyone looking for a loan.
June 28, 2026
Unprompted review
loan
I like the only thing is when you need to scan you ID it was hard. Hope fully it get much easier.
June 25, 2026
Unprompted review
It was easy too less than 5 minutes.
It was easy too less than 5 minutes.
June 25, 2026
Unprompted review
I loved talking to the customer service…
I loved talking to the customer service representative he was very helpful and knowledgeable of the information that I needed help with.
June 24, 2026
Unprompted review
Easy to log in and access my account
Easy to log in and access my account. No need to update information as data was maintained. Easy process online.
June 23, 2026
Unprompted review
Xact application process was so easy it…
Xact application process was so easy it was so fast and I received the money when I was told I would receive. I will be using them when I pay them off again.
June 22, 2026
Unprompted review
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.