Tips to help you have the best chance of approval

There’s no risk to apply, and you can always try again—but these tips definitely help. While approval isn’t guaranteed, here’s how to put your best foot forward.

Get a Possible Loan

Consistency is key

Maintain a healthy bank balance to help your approval odds. A history of having funds in your account is good.

Link the account where you get paid

Regular income deposits help strengthen your application.

Be conscious of how you borrow

Avoid relying on multiple loans at once. Good history with Possible can help improve your application, too.

Smart spending counts, too

Avoid overspending, draining your balance too quickly or paying insufficient funds fees.

Here’show it works

Choose an amount

You’re in control of how much you borrow. Just enter your info, then pick what’s right for you up to $500^{^}. We’ll show you the pricing up front—including your finance charge.

See pricing estimates

Connect your main bank account to Possible

Add your primary checking account where you get paychecks. We’ll use your income, transactions and cash flow to see how much you’ll qualify for. There’s no FICO check.

More things you can do to get approved

Get a decision in minutes—then set up a free instant transfer

If everything looks good, we’ll get you the funds ASAP. 95% of our customers get their funds instantly.

Apply now

Testimonials from real members

It’s been great to have Possible when there are emergencies, to get same-day funding.

Dominique

Member Since 2013

Even when I was late, they still gave me chance after chance. When you make a mistake, they’re still right there. I don’t know a loan company that’s ever gonna be like that.

Tanisha

Member Since 2013

Actual members, compensated for sharing their opinion. Results vary.

Pay how you want, when you want

Take your time with installments

8 weeks. 4 installments. 4 paychecks^¨. Zero worries.

Our pricing

Add multiple payment methods

Extra debit cards are fair game—just type in the number.

Check it out

Move payments— no reschedule fee

Get an extra 29 days^˘ to pay with no impact to your credit and no late fee or rescheduling fee.

Explore payment flexibility

The smarter way toborrow

Never pay late fees

Zero penalty fees. No surprises. Ever.

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Get the most money Possible

Even if you don’t qualify for the full amount you request, we’ll get you the highest amount we can.

Know instantly when you’re approved

Plus, get reminders when payment dates are coming up and more.

Build credit history

Unlike payday loans, your
payments are reported to credit bureaus

Learn more

Frequently asked questions

What is a Possible Loan?

A Possible Loan is a small-dollar installment loan designed to provide quick* access to cash while helping borrowers build credit history. Unlike payday loans, which typically require lump-sum repayment (source: CFPB), Possible Loans are repaid in four¨ scheduled installments. Eligibility is based on banking activity, not a FICO check, and borrowers can receive up to $500^ to a bank account or debit card, often within minutes. Payments can be rescheduled up to 29 days from the originally scheduled date with no rescheduling fee.

How much does a Possible Loan cost?

The cost of a Possible Loan depends on your state and the amount you borrow. In some states, fees are $10–$25 per $100 borrowed; in others, fees vary. For full, state-specific examples of rates and terms, review the Sample Payment Schedules in the Possible app or on possiblefinance.com/samplepaymentschedules. Repayment is divided into installments, and you can reschedule payments up to 29 days from the originally scheduled date with no late fees.

How long does it take to apply and get a decision?

The application is completed in the Possible app and usually takes only a few minutes. You’ll create an account, provide basic information, and link your bank account. There is no FICO check; eligibility is based on your banking activity. Most applicants receive a decision in minutes, and you can apply at any time.

When will I get the money?

If you’re approved and choose debit card disbursement, you can typically receive funds within minutes. Actual timing depends on your bank or card issuer. If you select ACH transfer to your bank account, it can take longer—up to 5 business days for a small portion of customers. You can review your disbursement details in the Possible app.

What payment methods can I use?

Your linked bank account is the primary method for automatic payments. In some cases, you can also make manual payments using your debit card or bank account details through the Possible app. Payments are set up in installments, and you can move each one up to 29 days from the originally scheduled date without a rescheduling fee.

Get the Possible app now

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