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Payments and Your Account

Experiencing difficulties repaying your loan?

Call an Xact Customer Service Agent at 1-800-316-4220.

How is my loan payment date calculated?

Your loan payment date is based on the information you provided on your Paycheck Frequency and Next Pay date.

How do I make my Xact Loan^® payments?

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.

When will my installment loan payments be due – and what are my repayment options?

If you're enrolled in autopay, your payments will be electronically withdrawn each month. To view your payment schedule, refer to your loan agreement. Before your loan’s due date, you may also be able to set up a different form of payment – such as debit card, cashier’s check, money order or MoneyGram, please call us at 1-800-316-4220. Repaying your loan earlier could save you money on interest.

After I pay off my installment loan, can I get another installment loan?

Yes, you can apply for a new installment loan after your current loan has been paid off. Keep in mind that there may be a waiting period before you can apply for a new installment loan. You may also be asked to provide a bank statement showing that your loan was paid off.

How can I view my account information or check the status of my installment loan application?

To view your information or check the status of your application, log in to Pocket360^® by entering the email address and password that you provided to us when you applied for your installment loan. Once you’ve logged in, you can check the status of any outstanding loans, update information, review documents, apply for a new installment loan, check to see if there are any documents you still need to send in or see when your next payment is due. To print copies of any documents, simply select the print option in your Web browser.

How do you protect my online account information?

Our online account management tool, Pocket360, uses Multi-Factor Authentication which is a dual- layer of protection for your online account. When you login, you will be required to provide multiple credentials to verify your identity and protect your account from unauthorized users.

PRODUCT COMPARISON

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, you could get the funds you need to consolidate debt into one easy payment. See the difference – with Xact.

Short-term Loan

Smaller loan amounts for unexpected expenses
Loan due date aligned with payroll date
(bi-weekly/monthly)

Xact Loan®

Larger loan amounts - $500–$5,000
Save time and apply online
18 or 24 month term¹
Consolidate debt into one payment
Access to FREE credit score

Consumer Notice

Actual loan amount and terms will vary based on final evaluation and credit qualifications. Payment amounts vary by rate. The Xact® Loan has either an 18-month or 24-month term, depending on consumer qualifications. The 24-month term may only be offered to qualifying returning or refinancing consumers. The table below provides illustrative examples for each available term length.

Term Length	Principal Balance	Annual Percentage Rate (APR)	Installment Payments	Total Payments
18 Months	$1,400	192.77%	37 biweekly payments of $119.42	$4,417.69
24 Months	$2,000	144.61%	48 biweekly payments of $119.69	$5,745.41

There are no application, origination, late payment, or returned payment fees. APRs range from [125% - 225%]. The maximum APR on any XACT® Loan is 225%. APRs will vary depending on credit qualifications and loan amount.

Payments must be made on time in order to enhance credit with lender.
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 no later than the following 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 .
Availability restrictions apply.
Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Xact.

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 California residents have a maximum amount financed of $2,400.

The Company, individually or through its affiliates, is licensed as a Debt Collector by the California Department of Financial Protection and Innovation (DFPI), License Number 10435-99.

Notice to California consumers: Information on your privacy rights under the California Consumer Privacy Act can be found by reviewing the California Consumer Privacy Act (CCPA) Policy.

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

South Carolina Consumer Disclosure
Information on the California Consumer Privacy Act
Do Not Sell or Share My Personal Information

Contact Us

800.316.4220

P.O. Box 36454
Cincinnati, OH 45236-0454

Xact Customer Service Hours:
Monday–Friday: 8 am – 9 pm EST.
Saturday: 10am - 2pm EST