xact.com

4.6
4.6 Based on 870 reviews

...

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Average Rating

4.6

/
5

870 Reviews

5 Star
84%
4 Star
7%
3 Star
3%
2 Star
2%
1 Star
5%

Filtered Reviews

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Review Time

Clara Meijer
easy to do today

5
Date of experience: Jul 16, 2025
Imelda B.
It was easy to apply and received a…

It was easy to apply and received a response back quickly.

5
Date of experience: Jul 16, 2025
Ted Rogers
Absolutely so simple and fast

Absolutely so simple and fast! Great experience.

5
Date of experience: Jul 15, 2025
Clark Hughes
What made it great,was you guy's had…

What made it great,was you guy's had trust in me and have good costumer service. The one thing that needs a fix is you guy's should put in a way to see your payoff early without having to go all the way into making a payment, but other than that it's been great. Thanks again.

5
Date of experience: Jul 15, 2025
As a skeptic of online and super…

As a skeptic of online and super expensive loans I bit the bullet. The reviews I read were very mixed. However, my experience so far has been positive. I agree that the process was easy and timely. So I pray to be able to pay off this loan quickly.

5
Date of experience: Jul 14, 2025
Eudora Adams
A letter came from them

A letter came from them. They stated that I was pre-approved for a loan. A code is included and you can either do this online or by phone. They get all of your information but do not give a place to put the code. I was denied and given no reason why except a generic note stating it would take 30 days to inform me of the reasoning. The person on the phone was not helpful but did tell me that I could reapply the next day. The rate to repay is over 100% in some cases. They use "Plaid" to get your banking information. Some people may have good experiences with them but they wasted my time and gave vague answers. I guess I will see in 30 days at to what they didn't like.

1
Date of experience: Jul 14, 2025
Sidney Patterson
Right on time!

I needed some extra cash and while cleaning up some mail came across this offer, while I didn’t think I was going to get approved, the process was easy and quick with approval in about 5 minutes!

5
Date of experience: Jul 13, 2025
Not have an interest rate so high for…

Not have an interest rate so high for first time borrowers.

1
Date of experience: Jul 09, 2025
Maggie Lewis
XLC’s 99.99 percent uptime guarantee is…

XLC’s 99.99 percent uptime guarantee is no joke. We received service credits when maintenance slightly exceeded the window.

5
Date of experience: Jul 09, 2025
ML20
We rely on XLC’s hardware firewall…

We rely on XLC’s hardware firewall options and encrypted storage to keep our customer data safe. Security audits have been smooth.

5
Date of experience: Jul 08, 2025

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