Money in minutes
Money in minutes
Money in minutes
Making lending smarter, safer and more personalized.
We use AI to understand our members’ financial life, protect their information and offer more responsive support. It’s all part of how we make fair lending possible for more people every day.
Smarter decisions
Smarter decisions
Smarter decisions
PossibleAI looks at income, spending habits and bank account balances to better determine how much money to lend.
Security you can trust
Security you can trust
Security you can trust
Our systems use AI to spot unusual activity, confirm identity and guarantee that personal information stays protected.
Responsive support
Responsive support
Responsive support
Our AI-powered agent provides fast, dynamic answers and connects members to a person when they need more assistance.
Our AI-powered agent provides fast, dynamic answers and connects members to a person when they need more assistance.
Our AI-powered agent provides fast, dynamic answers and connects members to a person when they need more assistance.
A better way to borrow
A better way to borrow
A better way to borrow
AI built to serve everyone
AI built to serve everyone
AI built to serve everyone
Faster, smarter decisions
Faster, smarter decisions
A more precise way to provide credit access
A more precise way to provide credit access
PossibleAI looks beyond traditional FICO scores to see the full picture of our members’ finances. It studies real spending and earning patterns to help us make lending decisions that match their lives. Over time, as our system collects more data, it gives people the most fair and accurate loan amounts and product recommendations possible. This continuous learning helps more people access credit they can manage while keeping our lending responsible and transparent.
Faster, smarter decisions
A more precise way to provide credit access
PossibleAI looks beyond traditional FICO scores to see the full picture of our members’ finances. It studies real spending and earning patterns to help us make lending decisions that match their lives. Over time, as our system collects more data, it gives people the most fair and accurate loan amounts and product recommendations possible. This continuous learning helps more people access credit they can manage while keeping our lending responsible and transparent.
Fraud prevention
Fraud prevention
Fraud prevention
Technology that keeps people protected
Technology that keeps people protected
Technology that keeps people protected
PossibleAI helps protect personal information the moment a new member signs up. It checks for indications of fraud, reviews documents quickly and confirms that each account truly belongs to them. Everything happens securely behind the scenes, making the entire process fast and easy. We use this same care to keep every decision safe and our members’ data protected.
AI-powered answers
AI-powered answers
AI-powered answers
Smart support with fast replies
Smart support with fast replies
Smart support with fast replies
Our AI-powered support assistant responds to most messages in under a minute and provides dynamic assistance with everyday questions, from checking the status of an application to moving a payment date. If someone needs more help, our AI assistant responsively ensures their message goes to the right support person. By working together, our AI and human agents get our members the help they need exactly when they need it.
Here’s
how it works
Here’show it works
Here’show it works
01
01
01
Smart, fair amounts
Smart, fair amounts
Smart, fair amounts
Our members are in control of how much they borrow, and PossibleAI helps determine what’s affordable, up to $500^. Over time, PossibleAI can also help repeat members qualify for higher amounts. We always show pricing up front—including their finance charge.
Our members are in control of how much they borrow, and PossibleAI helps determine what’s affordable, up to $500^. Over time, PossibleAI can also help repeat members qualify for higher amounts. We always show pricing up front—including their finance charge.
Our members are in control of how much they borrow, and PossibleAI helps determine what’s affordable, up to $500^. Over time, PossibleAI can also help repeat members qualify for higher amounts. We always show pricing up front—including their finance charge.
02
02
02
Transparent lending using real-world data
Transparent lending using real-world data
Transparent lending using real-world data
Customers link the primary checking account where they get paychecks. PossibleAI’s proprietary model uses their income, transactions and cash flow to determine an amount that’s reasonable for them to repay—all without a FICO check.
03
03
03
Decisions in minutes—then an instant transfer
Decisions in minutes—then an instant transfer
Decisions in minutes—then an instant transfer
PossibleAI analyzes a customer’s data and verifies identity within minutes. If everything looks good, we’ll send the funds ASAP. 95% of our customers get their funds instantly*.
PossibleAI analyzes a customer’s data and verifies identity within minutes. If everything looks good, we’ll send the funds ASAP. 95% of our customers get their funds instantly*.
PossibleAI analyzes a customer’s data and verifies identity within minutes. If everything looks good, we’ll send the funds ASAP. 95% of our customers get their funds instantly*.
How approvals work with PossibleAI
How approvals work with PossibleAI
How approvals work with PossibleAI
There’s no risk to apply, and a customer can always try again, but starting with a consistent cash flow definitely helps. While approval isn’t guaranteed, our CCO, Ellen, breaks down how someone can put their best foot forward on our blog.
Why 1M+ customers choose Possible
Why 1M+ customers choose Possible
Why 1M+ customers choose Possible
Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
- Getting the money from Possible was easy. It said you would typically be approved for between $10 – $40 dollars. I was approved for $60.
Makayla
Member Since 2025
- If I could get credit without having my credit score checked, you would look, do I have a car? Do I pay rent? Those things you pay regularly.
Sayble
Member Since 2022
- I’m really grateful that Possible doesn't only look at the credit score. Because when I found Possible, I didn't have a credit score to begin with.
Ventura
Member Since 2020
- I believe that Possible systems work because they actually look at us as human.
Ta’Kesha
Member Since 2022
- They work with people. They really try to get you approved.
Heather
Member Since 2023
Actual members, compensated for sharing their opinion. Results vary. Ratings as of May 2025.
Better lending
starts with PossibleAI.
Better lendingstarts with PossibleAI.
Better lendingstarts with PossibleAI.
Get the Possible app now
Get the Possible app now
Get the Possible app now
Frequently asked questions
What is PossibleAI, and how does it power the lending platform?
How does PossibleAI improve underwriting accuracy and expand credit access?
How does PossibleAI prevent fraud before it happens?
How does PossibleAI detect and respond to fraud?
How does PossibleAI power customer support?
What’s next for AI-powered support at Possible?
Frequently asked questions
What is PossibleAI, and how does it power the lending platform?
How does PossibleAI improve underwriting accuracy and expand credit access?
How does PossibleAI prevent fraud before it happens?
How does PossibleAI detect and respond to fraud?
How does PossibleAI power customer support?
What’s next for AI-powered support at Possible?
Frequently asked questions
What is PossibleAI, and how does it power the lending platform?
How does PossibleAI improve underwriting accuracy and expand credit access?
How does PossibleAI prevent fraud before it happens?
How does PossibleAI detect and respond to fraud?
How does PossibleAI power customer support?
What’s next for AI-powered support at Possible?
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 CA, HI, ID, 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, NV, 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.
Possible Card is issued by Coastal Community Bank and serviced by Possible Finance, pursuant to its license with Mastercard International Incorporated. Arizona Residents: Licenses #CA-1033558, #CA-1041621, and #CA-1041622; California Residents: License #10595-99; Hawaii Residents: License #COLAX-1238-0; Illinois Residents: License #17.022449; Louisiana Residents: Registration #446766611; Maine Residents: License #SLM15758; Maryland Residents: License #1697898; Massachusetts Residents: Registration #LS1697898; Nebraska Residents: License #1697898; New Jersey: Registration #19095; North Dakota Residents: License #MB104104; Oregon Residents: License #1697898; Pennsylvania Residents: Registration #95262; South Dakota Residents: License #1697898.MYL; Vermont Residents: License #LSO-1697898; Washington Residents: License #6041888588-001-0001: West Virginia Residents: Registration #2417-3349.
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
Possible Financial Inc. © 2025 - NMLS #1697898
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 CA, HI, ID, 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, NV, 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.
Possible Card is issued by Coastal Community Bank and serviced by Possible Finance, pursuant to its license with Mastercard International Incorporated. Arizona Residents: Licenses #CA-1033558, #CA-1041621, and #CA-1041622; California Residents: License #10595-99; Hawaii Residents: License #COLAX-1238-0; Illinois Residents: License #17.022449; Louisiana Residents: Registration #446766611; Maine Residents: License #SLM15758; Maryland Residents: License #1697898; Massachusetts Residents: Registration #LS1697898; Nebraska Residents: License #1697898; New Jersey: Registration #19095; North Dakota Residents: License #MB104104; Oregon Residents: License #1697898; Pennsylvania Residents: Registration #95262; South Dakota Residents: License #1697898.MYL; Vermont Residents: License #LSO-1697898; Washington Residents: License #6041888588-001-0001: West Virginia Residents: Registration #2417-3349.
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
Possible Financial Inc. © 2025 - NMLS #1697898
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 CA, HI, ID, 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, NV, 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.
Possible Card is issued by Coastal Community Bank and serviced by Possible Finance, pursuant to its license with Mastercard International Incorporated. Arizona Residents: Licenses #CA-1033558, #CA-1041621, and #CA-1041622; California Residents: License #10595-99; Hawaii Residents: License #COLAX-1238-0; Illinois Residents: License #17.022449; Louisiana Residents: Registration #446766611; Maine Residents: License #SLM15758; Maryland Residents: License #1697898; Massachusetts Residents: Registration #LS1697898; Nebraska Residents: License #1697898; New Jersey: Registration #19095; North Dakota Residents: License #MB104104; Oregon Residents: License #1697898; Pennsylvania Residents: Registration #95262; South Dakota Residents: License #1697898.MYL; Vermont Residents: License #LSO-1697898; Washington Residents: License #6041888588-001-0001: West Virginia Residents: Registration #2417-3349.
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
Possible Financial Inc. © 2025 - NMLS #1697898