An online personal loan for you—simple, secure, and funded as soon as the next business day .3

  • Up to $5,000 depending on state of residency
  • 18-month term1
  • Access to FREE credit score

Short-term loans can work for smaller, unexpected expenses. But if you find yourself needing more money, with more time to repay, Xact could be the solution you’ve been looking for. With loans up to $5,000 and 18-month terms, you could get the funds you need to consolidate debt into one easy payment. See the difference – with Xact.

Xact Loan

  • Larger loan amounts – $1,000–$5,000
  • Save time and apply online
  • 18-month loan1
  • Consolidate debt into one payment
  • Access to FREE credit score

For questions or concerns about your loan, please call our servicing center at 800-316-4220.

Frequently Asked Questions

Xact is an online-only installment loan with larger loan amounts and longer terms, giving customers the funds they need to consolidate debt into one easy payment. The Xact Loan may also build credit.2 We know monitoring and managing your credit score is important, when you have an Xact Loan, you get access to free credit monitoring.

We understand that life can be challenging, and that’s why the Xact Loan offers financial solutions to help you get through it. Reach out today—we’ll handle tomorrow, together.

CCBank, Member FDIC is a Utah chartered bank providing a financial solution that was lacking in the market to meet the needs of everyday people. By listening to the needs of customers, and through a diligent partnership, the Xact Loan was developed.

Founded in 1993, Capital Community Bank (CCBank), Member FDIC is based in Provo, Utah. Voted into the Top 100 Community Banks (2016), CCBank prides itself as a community-focused financial institution, committed to the financial well-being of their customers. CCBank provides secure, online lending, as part of that commitment, to ensure your personal and financial information stays protected. CCBank works hard to ensure customers have options that meet their needs.

Xact Loans are serviced by Axcess Financial. For more than 25 years, Axcess Financial (Cincinnati, OH) has been a financial service provider for real people. Axcess is proud to serve hardworking customers, who have experienced life’s toughest moments. Axcess is committed to providing financial solutions to those who need it most.

We’re invested in making you feel secure, and that’s why making a payment on your Xact Loan is simple. When you have an Xact Loan, you may be enrolled in our Autopay program which will automatically deduct payments from your bank on your due date. It’s important that you have options to fit your needs. With autopay, you can rest easy knowing your payments will be made on time – without any hassle.

You can also make a payment by calling Xact Customer Service at 800-316-4220 or by accessing your Pocket360 account online at www.xact.com.

Refinancing is an option that provides more time to pay and additional funds. You may be able to refinance once you have an installment loan. If you become eligible to refinance, we will notify you by email. You can also check your eligibility by logging into Pocket 360.

Once you’re eligible, you can easily refinance by following these simple steps:

  1. Sign in to Pocket360
  2. Submit your application to refinance
  3. Get a quick decision and electronically sign your documents
  4. Receive your additional funds


1. Actual loan amount and terms will vary based on final evaluation and credit qualifications. Payment amounts vary by loan term and rate. As an example, if you borrow $1,500 with a 157.42% APR and an 18 month term, your payments would be $159.97 per month. Annual percentage rate “APRs” range from [145% – 225%]. APRs will vary depending on credit qualifications and loan amount.

2. Payments must be made on time in order to enhance credit with lender.

3. Approval depends upon meeting legal, regulatory and underwriting requirements. All times and dates are based on Eastern Time (ET). If your loan is approved and originated by 8:00 p.m. ET on a business day, your funds will typically become available on the next business day. The lender may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and the lender may take that into consideration in the approval process.

The Xact® Loan is an installment loan originated and funded by Capital Community Bank a Utah Chartered bank located in Provo, UT, Member FDIC.

* Xact loans to Alabama residents have a maximum amount financed of $2,000. Xact loans to California residents have a maximum amount financed of $2,400.

Notice to California consumers: In order to process credit applications, service accounts, and provide the best online and in-store experience, we collect various categories of information on consumers during the application process. Categories of information may include name, address, signature, telephone number, internet protocol address, email address, account name, social security number, driver’s license or state identification information, bank information, credit information, employment-related information, internet and network information, geolocation data, and inferences drawn from this information.

Notice to Alaska, Arkansas, Arizona, Delaware, Florida, Hawaii, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Washington, and Wisconsin Customers: Xact Installment loans are originated by Capital Community Bank, a Utah chartered bank, located in Provo, UT, Member FDIC.