## Paying on your schedule is Possible

Life doesn’t wait until payday. With Possible, you can split your payments into manageable installments—giving you more time and control over your finances.

[Get a Possible Loan](https://app.possiblefinance.com/?wpsrc=PARTNERS&utm_campaign=PayOverTime&utm_source=Website)

### The debt trap

A typical payday loan is due back one lump sum—with rollover fees for extensions.

Source: [CFPB, “What is a Payday Loan”](https://www.debt.org/credit/loans/cash-advances/apps/)

### The Possible difference

Take your time. You can pay us back in 4 installments¨

You can move your payments up to 29 days out from the original dates.

## Here’s how it works

01

### Apply for a Possible Loan

It takes just a few minutes to see if you qualify. No FICO check required.

[How the application works](https://www.possiblefinance.com/loan/application)

02

### Review your Pay Over Time plan

We’ll split your repayment into four easy installments over 8 weeks.¨ Your payment dates are created based on on your payday schedule.

03

### Move payments if you need to—there’s no fee

Payments are automatically scheduled, but you can move them if needed—without rescheduling fees.

[See the flexibility](https://www.possiblefinance.com/loan/flexibility)

[Apply now](https://app.possiblefinance.com/?wpsrc=PARTNERS&utm_campaign=PayOverTime&utm_source=Website)

## Testimonials from real members

It was just what I needed to get over the hump... the smaller amounts to pay back is a lot easier on my finances.

**Shakeyla**  
*Member Since 2024*

You pay it in installments instead of making you pay it all at once.  That helps a lot. It gives you a lot of time to pay it back... because life has a lot of things that it throws at you.

**Davion**  
*Member Since 2023*

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

## More ways Possible has your back

### Higher approval odds

We look beyond your FICO score, including factors like your income and cash flow, so more people qualify.

### Multiple payment options

Link multiple debit cards for more flexibility.

### Build credit history

On-time payments help you strengthen your financial future.

### Relief Plan

###### Get even more time to pay if the unthinkable happens

If you’re experiencing financial hardship due to a qualifying event like a medical expense, we can support you with even more time to pay on top of our 29-day rescheduling period.

[Find out more](https://www.possiblefinance.com/loan/reliefplan)

## Frequently asked questions

**Is every Possible Loan customer eligible to use Pay Over Time?**  
Yes. Pay Over Time is built into the Possible Loan structure. Every customer with an active Possible Loan repays in scheduled installments rather than a single lump sum, subject to state availability and product terms.

**How does the app choose my payment dates?**  
The Possible app reviews recent deposits into your linked bank account to identify your income pattern. It then sets installment due dates to align as closely as possible with your paydays. If you are a gig worker or receive monthly income, your schedule may include fewer installments over the same overall timeframe.

**What if I get paid monthly, or I’m a gig worker—what’s my Pay Over Time plan?**  
When you link your primary bank account, Possible analyzes your income deposits and creates a custom installment schedule. For some customers, especially those with monthly income or irregular gig earnings, that may mean having two installments instead of four over the same 8 weeks.¨ For some payment schedules and terms, visit possiblefinance.com/samplepaymentschedules.

**What if I miss an installment?**  
If you miss an installment, you can usually reschedule it up to 29 days after the original due date with no rescheduling fee and no additional late fee. Payments are not typically reported as late to credit bureaus unless they are more than 29 days past the originally scheduled date. It’s still best to pay as soon as you can to stay on track.