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1. 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. Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender's terms and conditions. Actual loan amounts vary. Applicants must have an active checking account open for at least 30 days.
2. Actual loan amount and terms will vary based on final evaluation of income and credit qualifications. Payment amounts vary by loan term and rate.  If approved from our direct mail program, applicant may receive a loan ranging from $750 to $4,250.
3. Payments must be made on time in order to enhance credit with lender.

The Xact® Loan is an installment loan made and funded by Quill Bank a Utah chartered bank located in Provo, UT.

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 clicking here.

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