Financial stability doesn’t follow a straight line. Emergencies happen. Expenses pile up. Paychecks don’t always line up with life’s ups and downs. Our 2025 Impact Report looks at what happens when financial tools are built around those realities instead of ignoring them.
From penalty-free lending to payment flexibility and hardship relief, the report shares how customers used Possible, and what those choices added up to over the past year.
This is the story behind the numbers.
Why Possible Publishes an Impact Report
Possible publishes an annual Impact Report to be transparent about how our products show up for customers.
As a Public Benefit Corporation, Possible measures success by customer outcomes as well as business growth. That means looking closely at where people save money, where they need flexibility and what actually helps them move forward financially.
This Year’s Theme: Possible, Together
In 2025, Possible expanded into 19 new states, bringing both Possible Loan and Possible Advance to more communities. We became official partners of the Orlando Magic, and deepened our roots in the Orlando community, meeting local customers and creating new financial literacy initiatives. Nationwide, our Credit Corner program and Extra Credit series for Financial Literacy Month received hundreds of video responses from our community. Plus, we’re proud that Extra Credit later received an Anthem Award.
Combined with the commitment and delivering on our promise with Possible products, it was the year of community.
Data-Driven Realities From This Year’s Report
Possible Customers Saved Millions by Avoiding Penalty Fees
Many short-term lending products rely on late fees, rollover fees, renewal fees and insufficient funds fees. It’s just how they do business. At Possible, we do things differently.
In 2025 alone, customers saved over $200 million by choosing Possible instead of products that charge penalty fees. That savings came from a simple decision: Possible does not charge late fees, renewal fees, NSF fees, penalty fees, or failed payment fees. We measure this figure by reviewing state regulatory information for payday loans and calculating how much more our customers would have paid had they chosen these more restrictive options over a typical payday loan term. (Individual and state-by-state results may vary.)
Those dollars stayed where they belong: with customers, where they could be used for essentials, emergencies, or rebuilding savings.
Flexibility, Longer Repayment Time Means More Financial Stability After a Possible Loan
In 2025, the median time from loan acceptance to funds received was just 4 seconds. That means customers were able to access cash quickly—without giving up repayment options or taking on penalty fees.
Access to cash matters, but flexibility matters just as much. In 2025, Possible customers rescheduled 2.7 million payments, all without rescheduling fees. With Possible Loan, payments can be moved up to 29 days from the original due date, giving our members room to adjust when life changes.
This flexibility helps customers avoid falling behind when expenses shift, paychecks arrive late, or unexpected costs pop up.
In 2025, Possible funded millions of loans, with customers taking an average of 8 weeks to pay them off. For comparison, traditional payday loans are typically due in full within 2 to 4 weeks (Source: CFPB). Having more time to repay can reduce pressure and make it easier to manage everyday expenses alongside loan payments.
The data suggests that breathing room matters. One of the clearest indicators of financial progress is what happens after a loan is paid off.
Repeat Customers Often Qualify for More, Because Payment History Counts
Financial progress doesn’t always show up in a credit score right away. That’s why Possible doesn’t rely on a single FICO check to determine what customers qualify for over time.
Instead, Possible evaluates customers using real-time financial signals, including cash flow and repayment behavior. That approach allows loan offers to evolve alongside a customer’s actual financial situation—rather than freezing them in place based on past credit events.
In 2025, 85% of repeat customers with no late payment history received equal or higher loan amounts than before. As customers demonstrated consistent, on-time repayment, their offers often increased, reflecting improved stability and capacity to repay.
This matters because traditional credit models tend to be backward-looking. A credit score may not immediately reflect a recent raise, steadier income, or improved money management habits. Cash-flow-based underwriting helps close that gap by focusing on what’s happening now, not just what happened years ago.
By reassessing customers each time they return, Possible avoids trapping people in the same loan cycle. Instead of repeating the same offer regardless of progress, the model is designed to recognize positive behavior and respond to it.
The result is a lending experience that adapts as customers do—supporting forward momentum rather than penalizing past setbacks.
Medical Costs Were the Number One Reason for Financial Hardship, but Flexibility Supported Recovery
In 2025, medical expenses were the most common reason customers enrolled in Possible’s Relief Plan. Nearly 64% of Relief Plan enrollments were tied to medical care, reflecting how health-related costs—such as ER visits, treatment gaps, or specialist bills—can emerge unexpectedly during repayment and strain otherwise manageable budgets.
Following financial hardship, recovery is just as important. Customers who used the Relief Plan largely returned to stable repayment: a majority came back to Possible for another loan, and 97% of those subsequent loans did not charge off, according to a November 2025 analysis. The data suggests that when medical costs interrupt repayment, timely flexibility can help customers recover and continue moving forward. We are proud to continue to offer this benefit, even as healthcare expenses remain a growing financial pressure nationwide. (Source: Mercer)
The Bottom Line: What This Year’s Impact Shows
Taken together, the data from Possible’s 2025 Impact Report points to a clear conclusion: Financial progress is more achievable when people have access to cash and the flexibility to manage it on their terms. 🟦
Penalty-free lending, payment flexibility, and meaningful relief options don’t just sound good. They show measurable results.
