Possible vs EarnIn

Possible Loan gives you more time to pay. EarnIn bugs you to tip.

Tired of EarnIn Cash Out’s instant transfer fees? Get the cash you need now, more time to pay and a chance to build your credit history at Possible, all hassle-free.

Choose Possible

Loan amounts and structure vary by state. Eligibility applies.

Kareem

Member since 2021

Ditch those EarnIn Cash Out tip requests

Borrow better with Possible Loan

With Possible Loan, you can borrow cash and pay it back in installments over time. EarnIn Cash Out is is an early paycheck advance you repay in one lump sum on your next payday. Here are all the ways Possible Loan is different:

Free instant^* transfers

Get cash in minutes with Possible Loan, day or night, with no instant transfer fee. Plus, you’ll always get the full amount you qualify for right when it’s offered, unlike with EarnIn Cash Out.

Find out more

Pay on your time, not next payday

Unlike EarnIn Cash Out, Possible gives you 8 weeks^¨ to pay in easy installments. Plus, you can move a payment up to 29 days out from the original due date with no rescheduling fee.

How it works

See your total cost upfront

Possible is transparent about the cost of your loan. You’ll never be hit with optional tips for instant cash like EarnIn Cash Out does.

Our pricing

Build credit history

At Possible, your on-time payments get reported to credit bureaus. You deserve a loan that helps you build credit history, something EarnIn Cash Out won’t do.

See how

Source: help.earnin.com, November 27, 2025

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Summary

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Detail

Comparison

Repayment

Repay in 4 installments¨ over 8 weeks

Repay in 1 lump sum on payday

Speed

Free instant* transfers

Does not offer free instant transfers

Pricing

Upfront pricing with no extra fees, tips or penalties

Asks for tips and charges instant transfer fees for every up to $150 withdrawal

Credit Reporting

Builds credit history by reporting to two bureaus

Does not build credit history

Access

Bad or no credit OK

Source: earnin.com, November 27, 2025

We believe in transparent pricing

When you apply for a Possible Loan, you’ll see exactly how much it will cost before you commit—no hidden fees or surprises. Use our calculator below to see a sample loan cost.

In Alabama it's $20 for every $100 that I borrow.
WithPay Over Time, I can pay $240 back over eight weeks.

Week 2

$60

Week 4

$60

Week 6

$60

Week 8

$60

The information provided by the Real Cost calculator is for informational purposes only and does not constitute an offer. Loan terms are subject to eligibility. Loan costs are rounded up to estimate these approximate payments. Loan costs vary by state.

Relief Plan for emergencies

If you have a qualifying event, we’ll work with you on a customized Relief Plan so you can adjust payments beyond the usual grace period—support EarnIn Cash Out doesn’t offer.

Learn more

Frequently asked questions

Should I choose Possible Loan or EarnIn Cash Out for access to a larger, more flexible cash option?

For a larger loan, Possible Loan offers up to $500^ in a single transaction with flexible payments in four installments¨. EarnIn's Cash Out product allows you to access a maximum of up to $1,000 per pay period from your earned wages, but this amount is limited by a daily max of up to $150 in most states. Accessing the full pay period amount requires multiple withdrawals. Standard transfers (1-3 business days) are free; however, if you want the funds instantly, you must pay a Lightning Speed fee (starting at $3.99 per transaction) each time you make a withdrawal. (Source: EarnIn Help, “Understanding your ‘Max’ at EarnIn” as of November 2025)

How does Possible Loan’s payment flexibility compare to EarnIn’s Cash Out repayment?

With Possible Loan, you can reschedule each of your four installment payments up to 29 days out from the original due date, with unlimited reschedules and no penalty fees. EarnIn’s Cash Out repayment is a single automatic debit on your next payday. While you can reschedule the debit once every 60 days, it is not as flexible as Possible's plan. (Source: EarnIn Help, “How do I pay EarnIn back?” as of November 2025)

If I need more time to repay my loan, is Possible Loan or EarnIn Cash Out more accommodating?

Possible Loan is more accommodating because its flexible installment plan and unlimited payment rescheduling give you more control. Possible Loan also offers extra time to pay with its Relief Plan for a qualifying hardship. EarnIn’s repayment is an automatic debit on your next payday. If you need more time, you must contact their support team to reschedule, and this option is limited to once every 60 days. (Source: EarnIn Help, “Can I reschedule my debit?” as of November 2025)

Can I get free instant cash transfers with Possible Loan and EarnIn Cash Out?

With Possible Loan, instant transfers are always free. EarnIn charges a Lightning Speed fee that starts at $3.99 per transaction for Cash Outs, and can be up to $5.99 for transfers over $100. Otherwise, you can receive your funds in one to three business days with their free option. (Source: EarnIn Help, “Lightning Speed fees and details” as of November 2025) 

How is Possible Loan pricing different from Earnin's pricing?

Possible Loan gives you access to all services—including fast transfers, credit history building, and payment flexibility—without asking for tips. Possible Loan has one upfront finance charge. EarnIn's Cash Out service charges Lightning Speed fees starting at $3.99 per transfer and asks for optional tips. (Source: EarnIn, “Earned Wage Access: The Complete 2025 Guide” as of November 2025) 

How does credit reporting with Possible Loan differ from EarnIn Cash Out?

Possible Loan automatically reports your payment history to two major credit bureaus as a built-in feature. EarnIn Cash Out does not report cash advances to credit bureaus. Instead, they offer a separate product, the EarnIn Card, which reports to all three credit bureaus, allowing users to build credit history with on-time payments. (Source: EarnIn, Live Pay Card FAQ as of October 2025)

Do I need a good credit score to access Possible Loan?

No. You don’t need a good credit score to apply for a Possible Loan or to start building credit history. Possible doesn’t check your FICO score when you apply and reports your payment history to two credit bureaus, so you can build credit history from the ground up.

Send instant cash right to the bank account you choose

All products are subject to eligibility and approval by Possible Financial Inc. dba “Possible Finance” and “Possible” or its banking partner Coastal Community Bank. Eligibility for a product is not guaranteed.

For Loans, Possible Finance has direct lending licenses in AK, CA, HI, ID, NV, UT and WA. Idaho Residents: License #RRL-10073; Louisiana Residents: License #1697898; Nevada License #CDTH11200; Ohio Residents: License #ST.760161.000; Washington License #530-CC/SL-111888. California Residents: Possible Finance is licensed by the Department of Financial Protection and Innovation, pursuant to the California Deferred Deposit Transaction Law, License #10DBO-105848.

Loans in AL, AR, AZ, DE, FL, IA, IN, KS, KY, LA, MI, MO, MS, MT, NC, NE, NH, OH, OK, OR, RI, SC, TN, TX, VA, VT, and WY are made by Coastal Community Bank, and serviced by Possible Finance. Texas Residents: Possible Finance is a licensed Credit Access Business; License #1800061850-160823.

*Funding usually within minutes but may take up to 5 days.

^Loan amounts & structure vary by state.

°Possible uses fee and payday loan usage information from the Consumer Financial Protection Bureau, Center for Responsible Lending, Pew Charitable Trusts, and the Consumer Federation of America to arrive at our Fees Saved Calculation. Savings based on the maximum fees Possible could have charged customers over the typical payday loan term, including late fees, insufficient funds fees, etc. Results will vary.

¨See possiblefinance.com/samplepaymentschedules for rates & terms examples.

ˇReal customer compensated. Results may vary.

˘Possible Loans offer up to 29 days of payment flexibility from original due date.

All trademarks and brand names are property of their respective owners. Use of them does not imply any affiliation with or endorsement by them.

If you have questions or concerns, please contact the Support Team at support.possiblefinance.com

Mailing Address: Possible Finance, PO Box 98686, Las Vegas, NV 89193