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Refinancing

Once I have an installment loan, will I have the option to refinance?

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 My Account.

How does refinancing work?

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

Sign in to My Account
Tell us how much you want to borrow
Get a quick decision and electronically sign your documents
Receive your additional funds

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^*2, 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^*2
Save time and apply online
Consolidate debt into one payment
Access to FREE credit score³

Consumer Notice

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 .
Actual loan amount and terms will vary based on final evaluation of income and credit qualifications. Payment amounts vary by loan term and rate.
Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Xact.
Payments must be made on time in order to enhance credit with lender.

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