## Stay ahead with real-time eligibility alerts We’ll monitor key changes in your linked bank account and notify you when your eligibility improves. There’s no additional cost to get Prequalify Alerts—just sign up and we’ll let you know when it’s the best time to apply. [Get a Possible Loan](https://app.possiblefinance.com/?wpsrc=PARTNERS&utm_campaign=continuousunderwriting&utm_source=Website) ### Know when to apply No more guessing. We’ll alert you when your chances are best—just keep your main bank account linked to Possible. ### Plus, get payment flexibility Move any of your payments out up to 29 days from your original due dates. There’s no rescheduling fee, and there’s no impact to your credit report. ### Get funds fast* Send your money straight to your bank account on approval. ### No need to pay in full Pay back your Possible Loan in 4 parts over your next 4 paydays. ## How Prequalify Alerts work 01 ### Keep your bank account linked When you start your first Possible application, you’ll securely connect your main bank account so we can assess your financial health in real-time. To get Prequalify Alerts, all you need to do is keep it connected. 02 ### We monitor key changes Our technology continuously evaluates factors like income deposits, spending patterns and account stability. 03 ### Get notified when you’re ready At times when your eligibility is best, we’ll send you a timely alert so you can apply with confidence. We’re continuously monitoring your eligibility daily. [Apply now](https://app.possiblefinance.com/?wpsrc=PARTNERS&utm_campaign=continuousunderwriting&utm_source=Website) ## There’s no risk to apply right now ### No FICO check Your cash flow, paychecks and spending habits help you get approved. ### Get the most money Possible Even if you can’t be approved for the entire amount you request, we’ll still send you a counter-offer if you qualify for a smaller loan. ### Got denied? You can try again Keep your bank account linked and we’ll still let you know when it’s the best time to apply. ## Testimonials from real members I've been approved for multiple loans that have helped me during times of uncertainty... As a single mother, I give them 10 stars. Carrie Member Since 2021 Possible was always there for me every time I've needed them in the past. So why not go back again this time? It's about a 15-minute process from the time you apply to getting approved to having the funds in your bank account. It really is a lifesaver. Troy Member Since 2023 Actual members, compensated for sharing their opinion. Results vary. ## Get ahead while you pay it back ### Take your time with installments 8 weeks. 4 installments. 4 paychecks. Zero worries. [Find out more](https://www.possiblefinance.com/loan/pay-over-time) ### Multiple payment options Choose the option that works best for you. [Check it out](https://www.possiblefinance.com/blog/new-payment-methods-available) ### No reschedule fee payment options Every Possible Loan comes with the flexibility to shift payments up to 29 days out from your original dates. [Explore payment flexibility](https://www.possiblefinance.com/loan/flexibility) ## Enjoy peace of mind knowing we offer financial relief plans If the worst happens while you have a Possible Loan, we’ve got your back. [Explore](https://www.possiblefinance.com/loan/reliefplan) ### Get funds instantly* on approval [See how it works](https://www.possiblefinance.com/loan/instant-cash) ### Never pay late fees [Find out more](https://www.possiblefinance.com/loan/flexibility) ### Build credit history [Check it out](https://www.possiblefinance.com/loan/build-credit-history) ## Frequently asked questions ### How can I get real-time Eligibility Alerts? Eligibility Alerts are available when you have a Possible account with a bank account linked through Account Management and you’re opted in to receive emails. Turning on push notifications on your device helps you see alerts quickly. These alerts let you know when it may be a good time to apply for a Possible Loan. ### When’s the best time to apply for a Possible Loan? Approval is not guaranteed, but timing can affect your chances. Possible looks at factors like regular income, consistent deposits, and overall cash flow. Applying before large bills or major withdrawals reduce your balance may improve your odds. For more detailed tips, see “How to Improve Your Chances of Getting Approved for a Possible Loan” by Ellen Falbo on the Possible blog. ### Will checking my eligibility impact my credit? Checking eligibility and applying for a Possible Loan does not create a FICO inquiry or directly impact your FICO score. For some applicants, Possible may review a Clarity report to better understand borrowing history. While the application itself doesn’t affect your FICO score, payments on an approved loan are reported to credit bureaus and can help build credit history with on-time payments. ### What factors affect my loan prequalification? Prequalification is based on factors such as income, cash flow, and recent bank transactions in your linked account. If your financial activity suggests now may be a good time to borrow, you may receive a Prequalify Alert, provided you’re opted in to emails and have notifications enabled. ### I got denied for a Possible Loan. Was it just not the right time to apply? If your application is denied, you’ll receive a notice explaining the main reasons. Because income and expenses change over time, a denial does not prevent you from applying again later. Keeping your bank account linked and your notifications on allows Possible to send Prequalify Alerts when your situation may better meet the criteria.