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We've helped more than 2.9 Million Customers, join them!

What Xact Loans

Our Mission

Xact is an online-only loan with larger loan amounts, requiring no money down, no form of credit checks due to our AI enhanced approval system ensuring all creditors big or small can receive a loan regardless of past credit history. We understand in this new day in age everything is constantly changing and we want to make getting a loan simple and easy. Therefore with our AI backed program we are able to loan up to 96% of participates that apply with Xact Loans. 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

Types of Loans

Our Vision

The wonderful thing about our company is all of our loans require no money down, no credit checks, and no SSN required. We approve all credit, bad credit, no credit. Only requirement is an active bank account and you can be approved up to $50,000 in 24 hours or less. We offer no money down loans, no credit check loans, and no SSN loans all with no upfront costs to you. Our approval rate is 96 percentile meaning almost everyone who applies gets approved and funded

Additional Information

Fast Response Times

Money Within 24 Hours

Fast Response Times

At Xact Loans, we started with the goal of providing the best products and services to our customers. With over 10 years of experience in the industry, we have established ourselves as a trusted brand that delivers quality every time. We make sure we get back to all clients within 24 hours or less after applying with our company. We understand the daily struggle and the need for things to be done as soon as possible. To make our program more streamline and convenient, we contact our clients directly after they have been approved whether it be via email, text message to your cellular device, or through our chat services

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No Credit Checks

Money Within 24 Hours

Fast Response Times

Our program at Xact Loans is very viable to clients due to our policy. Due to the events of the past years, we have changed our loaning system to fit the daily growing needs of the American people. With AI on the fast rise, we have utilized that tool in our loaning system to give you the best outcome in your funding search

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Money Within 24 Hours

The great thing about our company is we make sure that we fund everyone who has applied within 24 hours of their application submission. We know you need your money and you need it now! So why wait when you need the help as soon as possible, at Xact Loans we understand.

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Requirements to Apply

we only require you to have an active bank account, an I.D and proof of income and a working phone

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Partnered with the FDIC