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However, your mobile provider's standard rates for sending and receiving messages may apply. ** Xactв„ў doesn't charge you for using text messages (SMS) for two-factor authentication. RHODE ISLAND RESIDENTS: Credit reports - Notice to individual вЂ“ I understand that a credit report may be requested in connection with my application for credit.Д¬ALIFORNIA RESIDENTS: If you are married, you may apply for an account separate from your spouse. To protect you (borrower) and us (lender) from any misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must be in writing to be effective. NEBRASKA RESIDENTS: A credit agreement must be in writing to be enforceable under Nebraska law. The Xactв„ў Loan is an installment loan originated and funded by Capital Community Bank, a Utah Chartered bank located in Provo, UT, Member FDIC. All available products subject to applicable lenderвЂ™s terms and conditions. Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. Payments must be made on time in order to enhance credit with lender. 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.Дў. ET on a business day, your funds will typically become available on the next business day. If your loan is approved and originated by 8:00 p.m. All times and dates are based on Eastern Time (ET). Approval depends upon meeting legal, regulatory and underwriting requirements.

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