How It Works

x is here to help you build a brighter financial future. We’re committed to connecting customers with loans to cover quick-money needs while helping them build savings at the same time. This combination helps you plan ahead while getting you the money you need now—sometimes on the same day that you apply. 

x provides savings and installment loans to help you journey to a more stable financial future. After getting approved, you pay the loan back through a scheduled series of payments. As you pay back your loan, your customer savings component builds. The customer savings component is held until you finish your payments—then that money will be transferred to you.


Cash Fast

First, you’ll receive a portion of your loan amount to address your urgent or unexpected financial needs. This could include buying back-to-school supplies, repairing your car after a fender bender, covering unplanned medical bills—or any other expense that needs fast funds. We’ve got your back.



Build Your Credit History reports payments to 1 of 3 major credit bureaus once a month on your behalf. When you make payments as scheduled, that positive payment history information is transmitted to the credit bureau. Once you make your payments as scheduled—or if you pay off the entire loan early—you’ll receive the customer savings component within 15 business daysplus you’ll have had the chance to build your credit history!


  Process of How a Loan Works  

Simple steps to help you build a brighter financial future makes it easy to get funded for an installment loan up to $4,000* and build savings.


Step 1:
Apply now


Step 2:
Get funded


Step 3:
Build credit history


Step 4:
Collect your savings

Complete the quick and easy installment loan application and get approved for up to $4,000* within minutes of submitting your information.


A portion of your cash will be deposited directly into your bank account the same day, and the rest becomes your customer savings component that you can monitor through your customer portal.


Once you’ve been approved and begin making payments, your payments will be reported and you’ll automatically build your credit history.


After you’ve paid off your loan in full, your customer savings component will be transferred to you within 15 business days, allowing you to continue your journey toward financial stability.


Become a Customer

In order to apply, you’ll need a few required documents handy:



  • Unexpired Driver's License/State ID 

    • Any State

    • Must include photo

  • Current Bank Statement tied to your direct deposit

    • Checking or Savings

    • Must show 30 days of transactions

  • Pay Stub (most recent) OR Benefits Letter (current year)



Need Quick Cash? Apply Today!