Money in minutes

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Money in minutes

Apply now

Money in minutes

Apply now

Loan

Get up to $500 instantly and repay over time.

Advance

Unlock a $400 or $800 credit limit in minutes.

Card

Unlock a $400 or $800 credit limit in minutes.

Learn

Mission

Financial Relief Plan

Loan

Get up to $500 instantly and repay over time.

Advance

Unlock a $400 or $800 credit limit in minutes.

Card

Unlock a $400 or $800 credit limit in minutes.

Learn

Mission

Financial Relief Plan

Possible Loan

How the Application Works

Borrow up to $500^ instantly*

Apply in minutes when you need the cash

No waiting around. No long lines. We’re always open.

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.

Get a Possible Loan

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’show it works

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.

See pricing estimates

Possible app UI screen indicating that there is no FICO check to qualify.

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.

More things you can do to get approved

Possible app UI screen indicating that an application was approved for $200.

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.

Apply now

Testimonials from real members

It’s been great to have Possible when there are emergencies, to get same-day funding.

Dominique

Member Since 2013

It’s been great to have Possible when there are emergencies, to get same-day funding.

Dominique

Member Since 2013

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

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

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

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

Pay how you want, when you want

Illustration of a colorful circle with a dollar symbol in the middle and a checkmark on the right.

Take your time with installments

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

Our pricing

Add multiple payment methods

Extra debit cards are fair game—just type in the number.

Check it out

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.

Explore payment flexibility

The smarter way toborrow

Never pay late fees

Zero penalty fees. No surprises. Ever.

Learn more

Possible app UI indicating a missed payment and an option to reschedule for no fee. A UI screen with a history of payments is to the right.

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

Learn more

Instant transfers in action

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How Karla overcame a debt trap and changed her finances

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How Dean Turned Financial Challenges into Wins with a Possible Loan

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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. Unlike payday loans, which typically require lump-sum repayment (source: CFPB), Possible Loans are repaid in four¨ manageable installments, making it easier to stay on track financially. The application process is fast, mobile-friendly, and requires no credit check—eligibility is based on banking activity instead of credit scores. Borrowers can receive up to $500^ directly into their bank account or debit card, often within minutes. Payments can be rescheduled up to 29 days out from the originally scheduled date with no late fees, offering flexibility when needed. There’s no FICO check and bad credit is OK when you apply, but Possible Loans payments are reported to credit bureaus, helping build  credit history with every payment. To apply, download the Possible Finance app and get started today.

How much does a Possible Loan cost?

The cost of a Possible Loan varies by state, with fees based on the amount borrowed. For examples of rates & terms, see Sample Payment Schedules. In Rhode Island, the fee is $10 per $100 borrowed, while in Alabama, Kansas, Kentucky, South Carolina, Tennessee, and Washington, it's $15 per $100. California borrowers pay $17.65 per $100, and in Idaho, Mississippi, and Utah, the cost is $20 per $100. In Delaware, Missouri, and Nevada, the fee is $25 per $100 borrowed. For Florida, Hawaii, Indiana, Iowa, Louisiana, Michigan, Ohio, Oklahoma, Oregon, and Texas, fees vary—you can can check the Possible Finance app for more information. Repayment is divided into installments, and borrowers have the flexibility to reschedule payments up to 29 days out from the originally scheduled payment date with no late fees. To see the exact cost of a loan in your state, download the Possible Finance app.

How long does it take to apply and get a decision?

Applying for a Possible Loan takes just a few minutes through the Possible Finance app. The process is simple and straightforward: sign up, enter your information, link your bank account and submit your application. Unlike traditional lenders, Possible does not require a FICO check.  Most applicants receive a decision in minutes, and if approved, funds can be deposited straight to your debit card or bank account. You can apply 24-7 in the Possible app. 

When will I get the money?

If approved, you can typically receive your Possible Loan funds within minutes. The exact timing depends on your bank or debit card provider. Most customers who choose to send their funds to a debit card receive them within a few minutes. If you chose to receive your funds via ACH, it takes longer—it may take up to 5 days for a small percentage of our customers.  To speed up the process, make sure your bank account is active and you linked the right one to Possible. You can check your the details anytime in the Possible app.

What payment methods can I use?

Possible Finance offers flexible payment options to make repaying your loan easy. You can make payments directly from your linked bank account, which is the primary method used for automatic withdrawals. If needed, you can also manually submit payments through the Possible Finance app using your debit card or bank account number. Payments are scheduled in four installments, but you have the flexibility to reschedule them up to 29 days out with no late fees. To check your payment options or update your payment method, log into the Possible Finance app.

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. Unlike payday loans, which typically require lump-sum repayment (source: CFPB), Possible Loans are repaid in four¨ manageable installments, making it easier to stay on track financially. The application process is fast, mobile-friendly, and requires no credit check—eligibility is based on banking activity instead of credit scores. Borrowers can receive up to $500^ directly into their bank account or debit card, often within minutes. Payments can be rescheduled up to 29 days out from the originally scheduled date with no late fees, offering flexibility when needed. There’s no FICO check and bad credit is OK when you apply, but Possible Loans payments are reported to credit bureaus, helping build  credit history with every payment. To apply, download the Possible Finance app and get started today.

How much does a Possible Loan cost?

The cost of a Possible Loan varies by state, with fees based on the amount borrowed. For examples of rates & terms, see Sample Payment Schedules. In Rhode Island, the fee is $10 per $100 borrowed, while in Alabama, Kansas, Kentucky, South Carolina, Tennessee, and Washington, it's $15 per $100. California borrowers pay $17.65 per $100, and in Idaho, Mississippi, and Utah, the cost is $20 per $100. In Delaware, Missouri, and Nevada, the fee is $25 per $100 borrowed. For Florida, Hawaii, Indiana, Iowa, Louisiana, Michigan, Ohio, Oklahoma, Oregon, and Texas, fees vary—you can can check the Possible Finance app for more information. Repayment is divided into installments, and borrowers have the flexibility to reschedule payments up to 29 days out from the originally scheduled payment date with no late fees. To see the exact cost of a loan in your state, download the Possible Finance app.

How long does it take to apply and get a decision?

Applying for a Possible Loan takes just a few minutes through the Possible Finance app. The process is simple and straightforward: sign up, enter your information, link your bank account and submit your application. Unlike traditional lenders, Possible does not require a FICO check.  Most applicants receive a decision in minutes, and if approved, funds can be deposited straight to your debit card or bank account. You can apply 24-7 in the Possible app. 

When will I get the money?

If approved, you can typically receive your Possible Loan funds within minutes. The exact timing depends on your bank or debit card provider. Most customers who choose to send their funds to a debit card receive them within a few minutes. If you chose to receive your funds via ACH, it takes longer—it may take up to 5 days for a small percentage of our customers.  To speed up the process, make sure your bank account is active and you linked the right one to Possible. You can check your the details anytime in the Possible app.

What payment methods can I use?

Possible Finance offers flexible payment options to make repaying your loan easy. You can make payments directly from your linked bank account, which is the primary method used for automatic withdrawals. If needed, you can also manually submit payments through the Possible Finance app using your debit card or bank account number. Payments are scheduled in four installments, but you have the flexibility to reschedule them up to 29 days out with no late fees. To check your payment options or update your payment method, log into the Possible Finance app.

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. Unlike payday loans, which typically require lump-sum repayment (source: CFPB), Possible Loans are repaid in four¨ manageable installments, making it easier to stay on track financially. The application process is fast, mobile-friendly, and requires no credit check—eligibility is based on banking activity instead of credit scores. Borrowers can receive up to $500^ directly into their bank account or debit card, often within minutes. Payments can be rescheduled up to 29 days out from the originally scheduled date with no late fees, offering flexibility when needed. There’s no FICO check and bad credit is OK when you apply, but Possible Loans payments are reported to credit bureaus, helping build  credit history with every payment. To apply, download the Possible Finance app and get started today.

How much does a Possible Loan cost?

The cost of a Possible Loan varies by state, with fees based on the amount borrowed. For examples of rates & terms, see Sample Payment Schedules. In Rhode Island, the fee is $10 per $100 borrowed, while in Alabama, Kansas, Kentucky, South Carolina, Tennessee, and Washington, it's $15 per $100. California borrowers pay $17.65 per $100, and in Idaho, Mississippi, and Utah, the cost is $20 per $100. In Delaware, Missouri, and Nevada, the fee is $25 per $100 borrowed. For Florida, Hawaii, Indiana, Iowa, Louisiana, Michigan, Ohio, Oklahoma, Oregon, and Texas, fees vary—you can can check the Possible Finance app for more information. Repayment is divided into installments, and borrowers have the flexibility to reschedule payments up to 29 days out from the originally scheduled payment date with no late fees. To see the exact cost of a loan in your state, download the Possible Finance app.

How long does it take to apply and get a decision?

Applying for a Possible Loan takes just a few minutes through the Possible Finance app. The process is simple and straightforward: sign up, enter your information, link your bank account and submit your application. Unlike traditional lenders, Possible does not require a FICO check.  Most applicants receive a decision in minutes, and if approved, funds can be deposited straight to your debit card or bank account. You can apply 24-7 in the Possible app. 

When will I get the money?

If approved, you can typically receive your Possible Loan funds within minutes. The exact timing depends on your bank or debit card provider. Most customers who choose to send their funds to a debit card receive them within a few minutes. If you chose to receive your funds via ACH, it takes longer—it may take up to 5 days for a small percentage of our customers.  To speed up the process, make sure your bank account is active and you linked the right one to Possible. You can check your the details anytime in the Possible app.

What payment methods can I use?

Possible Finance offers flexible payment options to make repaying your loan easy. You can make payments directly from your linked bank account, which is the primary method used for automatic withdrawals. If needed, you can also manually submit payments through the Possible Finance app using your debit card or bank account number. Payments are scheduled in four installments, but you have the flexibility to reschedule them up to 29 days out with no late fees. To check your payment options or update your payment method, log into the Possible Finance app.

Get the Possible app now

Button for downloading the Possible App on the Google Play Store.

Possible Loan background illustration texture.

Possible notification indicating that a $350 Possible Loan has been deposited.

Settings interface with toggle buttons, a slider, and a list of options in blue and black color scheme.

Possible member smiling and looking away from the camera.

Get the Possible app now

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 CA, ID, LA, NV, OH, OR, 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, DE, FL, IA, IN, KS, KY, MI, MO, MS, NC, OK, RI, SC, TN, TX, VA, 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

*Funding usually within minutes but may take up to 5 days.

^Loan amounts & structure vary by state.

¨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

*Funding usually within minutes but may take up to 5 days.

^Loan amounts & structure vary by state.

¨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