## 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. ### 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’s how it works ### 01 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. ### 02 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. ### 03 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. ## 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 ## Pay how you want, when you want ## Take your time with installments 8 weeks. 4 installments. 4 paychecks. Zero worries. ## Add multiple payment methods Extra debit cards are fair game—just type in the number. ## 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. ## The smarter way to borrow ### Never pay late fees Zero penalty fees. No surprises. Ever. ### 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. ## 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.