We support your credit history in more ways than one

Credit scores depend on so many factors, and your individual results will be unique—but here’s what you you can count on: Possible Loan payments are reported to credit bureaus. Every time.

No FICO check to apply

Starting out with bad credit? You’re welcome here. Your cash flow history helps determine approval, so you can apply with confidence.

Flexible rescheduling

Move your payments up to 29 days out from the original due dates with no impact to your credit history and zero late or rescheduling fees.

Track your progress

You can see all your Possible payments in the app. Plus, get reminders when payments are coming up so you can stay on track—just be sure you’re opted in.

Every payment counts

Even though there’s no FICO check to apply, Possible Loans still build your credit history. This helps show credit bureaus that you’re a great borrower.

The debt trap

Typical payday loans don’t report to credit bureaus.

Source: CFPB

The Possible difference

A loan that helps grow your credit history

Every payment gets reported to credit bureaus, helping you build a stronger financial future.

Simple steps to build credit historywith Possible

Get a Possible Loan

No FICO check needed—just apply through the app and get your funds in minutes.

How applying works

Make on-time payments

Each payment is reported to credit bureaus, helping strengthen your credit history.

Need more time? Reschedule with no penalty

Every Possible Loan payment has a grace period.

Find out more

Apply now

Testimonials from real members

It looks good because it gives you credit history as well as money now—you just pay it when you are scheduled to.
Teagan
Member Since 2023
With payday loans, they don't really help... But with Possible, payments being reported to the credit bureaus really helps.
Keianna
Member Since 2024

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

Unlock all the benefits

More reasons to love Possible

Take your time with installments

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

Find out more

More payment methods available

Adding your additional debit cards is easy. Just type in the number.

Check it out

Got denied? You can try again

There’s no penalty to reapply, and checking eligibility doesn’t impact your credit.

About applications

Plus, get additional benefits:

No hidden fees

Members have saved over $500 million since our inception.

Our impact

Transparent terms

You’ll find all your loan details in the app. No surprises.

Get the app

Frequently
asked
questions

How does Possible help me build credit history?

When you take out a Possible Loan, your payments are reported to credit bureaus. Making payments on time can help establish or build credit history by showing how you manage borrowed money. Because Possible Loans are installment loans, they may add variety to your credit profile. The app and emails can remind you when payments are due, as long as notifications are enabled.

What if I need to move a payment?

You can reschedule each Possible Loan payment up to 29 days from the originally scheduled date with no rescheduling fee. A payment generally won’t be reported as late on your credit report unless it is more than 29 days past the original due date. Possible does not charge late fees; instead, the loan is structured to give you flexibility within that 29-day window.

Will applying for a Possible Loan impact my credit?

Applying for a Possible Loan does not involve a FICO check, and there is no hard inquiry on your FICO score. Even if you have limited credit history or lower credit, you may still qualify. Once you have a loan, your payments are reported to credit bureaus, and on-time payments can help build or rebuild your credit history over time.

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