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Mission

Financial Relief Plan

Loan

Get up to $500 instantly and repay over time.

Advance

Make payday come early with up to $300 right now.

Card

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

How our platform makes lending smarter, safer and more personalized.

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Mission

Financial Relief Plan

Possible Loan

Possible vs Dave

Possible Loan

Possible vs Dave

Possible beats Dave with up to $500^{^} and no surprise fees

Q: Should I choose Possible Loan or Dave ExtraCash™ for access to a larger, more flexible cash option?

For a larger loan, Possible Loan offers up to $500 with flexible payments in four installments. Dave ExtraCash™ also offers advances up to $500, but its repayment is a single automatic debit on your next payday, making Possible Loan's installment plan more flexible for managing your budget.

Q: How does Possible Loan's payment flexibility compare to Dave ExtraCash™?

With Possible Loan, you can reschedule each of your four installment payments up to 29 days out from the original due date, with unlimited reschedules and no penalty fees. Dave's ExtraCash™ repayment is a single automatic debit on your next payday. While Dave ExtraCash™ does not offer formal extensions, it automatically attempts partial payments if the full amount is unavailable, without late fees or credit impact.

Q: If I need more time to pay, is Possible Loan or Dave ExtraCash™ more accommodating?

Possible Loan is more accommodating because its flexible installment plan gives you four separate payments and offers unlimited payment rescheduling, giving you the ability to adjust your due dates up to 29 days out from the original due date. Possible Loan also offers extra time to pay with our Relief Plan for a qualifying hardship. Dave ExtraCash™'s repayment is tied to your next payday, and does not offer the ability to adjust or extend your due dates yourself. Instead, Dave will automatically attempt partial payments if you can't pay on the original due date.

Q: Can I get free instant cash transfers with Possible Loan or Dave ExtraCash™?

With Possible Loan, instant transfers to a debit card are always free. Dave ExtraCash™ fees are based on the delivery method. Instant transfers to a Dave Checking account have no additional Express fee, but the Dave Checking account requires a membership fee of up to $5/month. Instant transfers to an external debit card (within one hour) cost 1.5% of the transfer amount.

Q: How is Possible Loan pricing different from Dave's pricing?

Possible Loan gives you access to all services—including fast transfers, credit history building and payment flexibility—without a monthly subscription fee. Possible Loan has one upfront finance charge. Dave requires a membership fee of up to $5 to access its full suite of features, including the cash advance.

Q: How does credit reporting with Possible Loan differ from Dave ExtraCash™?

Possible Loan automatically reports your payment history to two major credit bureaus as a built-in feature. Dave's ExtraCash™ advance is not reported to credit bureaus at all. Dave offers credit history building as a separate, optional service that requires you to set up qualifying direct deposits into a Dave Checking account to have your on-time rent and utility payments reported to credit bureaus.

Q: Do I need a good credit score to access Possible Loan?

No. You don't need a good credit score to apply for a Possible Loan or to start building credit history. Possible Loan doesn't check your FICO score when you apply and reports your payment history to two credit bureaus, so you can build credit history from the ground up.

Dave’s ExtraCash™ fees and separate “spending” accounts got you scratching your head? Possible Loan makes borrowing simple.

Choose Possible

Loan amounts and structure vary by state. Eligibility applies.

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

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Skip Dave’s ExtraCash™ fees

Borrow better with Possible Loan

With Possible Loan, you can borrow cash and pay it back in installments over time. Dave ExtraCash™ is an early paycheck advance that you repay in one lump sum on your next payday. Here are all the ways Possible Loan is different:

Free instant^* transfers

Get cash in minutes, no monthly membership fee required. And unlike Dave ExtraCash™, you don’t need to open a new bank account. Just use the one you’ve already got.

Find out more

Repay on your terms

With Possible Loan, you’ll repay in 4 installments^¨, not all at once on your next payday. You can also move a payment with no rescheduling fee, giving you flexibility of up to 29 days from the original due date.

How it works

No surprise fees, ever

At Possible, you’ll see the full cost of your loan upfront, with no monthly fees or hidden charges for instant transfers. Possible Loan also lets you access your full qualified amount in one transaction. You won’t wait for a second transfer to get everything you're offered.

Our pricing

Build credit history

Unlike Dave ExtraCash™, your payments get reported to credit bureaus. Every single time. You deserve a loan that helps you build credit history.

See how

Source: Dave.com, November 27, 2025

Summary

Detail

Comparison

Amount

Borrow up to $500^

Access up to $500

Repayment

Repay in 4 installments¨ over 8 weeks

Repay in 1 settlement on payday

Speed

Free instant* transfers

Does not offer free instant transfers to external bank account

Pricing

Upfront pricing with no extra fees, tips or penalties

Multi-step pricing with layered fees and costs

Credit Reporting

Builds credit history by reporting to two bureaus

Does not build credit history

Access

Bad or no credit OK

Source: Dave.com, November 27, 2025

Summary

Detail

Amount

Borrow up to $500^

Access up to $500

Repayment

Repay in 4 installments¨ over 8 weeks

Repay in 1 settlement on payday

Speed

Free instant* transfers

Does not offer free instant transfers to external bank account

Pricing

Upfront pricing with no extra fees, tips or penalties

Multi-step pricing with layered fees and costs

Credit Reporting

Builds credit history by reporting to two bureaus

Does not build credit history

Access

Bad or no credit OK

Source: Dave.com, November 27, 2025

Illustration of binoculars with dollar symbols in the glass.

We believe in transparent pricing

When you apply for a Possible Loan, you’ll see exactly how much it will cost before you commit—no hidden fees or surprises. Use our calculator below to see a sample loan cost.

In Alabama it's $20 for every $100 that I borrow.
WithPay Over Time, I can pay $240 back over eight weeks.

Week 2

$60

Week 4

$60

Week 6

$60

Week 8

$60

The information provided by the Real Cost calculator is for informational purposes only and does not constitute an offer. Loan terms are subject to eligibility. Loan costs are rounded up to estimate these approximate payments. Loan costs vary by state.

Relief Plan for emergencies

If you have a qualifying event, we’ll work with you on a customized Relief Plan so you can adjust payments beyond the usual grace period—support Dave ExtraCash™ doesn’t offer.

Learn more

Frequently asked questions

Should I choose Possible Loan or Dave ExtraCash™ for access to a larger, more flexible cash option?

For a larger loan, Possible Loan offers up to $500^ with flexible payments in four installments¨. Dave ExtraCash™ also offers advances up to $500, but its repayment is a single automatic debit on your next payday, making Possible Loan’s installment plan more flexible for managing your budget. (Source: Dave Support, “What happens on the settlement date,” as of November 2025)

How does Possible Loan’s payment flexibility compare to Dave ExtraCash™?

With Possible Loan, you can reschedule each of your four installment payments¨ up to 29 days out from the original due date, with unlimited reschedules and no penalty fees. Dave’s ExtraCash™ repayment is a single automatic debit on your next payday. While Dave ExtraCash™ does not offer formal extensions, it automatically attempts partial payments if the full amount is unavailable, without late fees or credit impact. (Source: Dave Support, “Can I have an extension? I’m not able to pay what I owe right now,” as of November 2025) 

If I need more time to pay, is Possible Loan or Dave ExtraCash™ more accommodating?

Possible Loan is more accommodating because its flexible installment plan gives you four separate payments¨ and offers unlimited payment rescheduling, giving you the ability to adjust your due dates up to 29 days out from the original due date. Possible Loan also offers extra time to pay with our Relief Plan for a qualifying hardship. Dave ExtraCash™’s repayment is tied to your next payday, and does not offer the ability to adjust or extend your due dates yourself. Instead, Dave will automatically attempt partial payments if you can’t pay on the original due date. (Source: Dave Support, “What happens on the settlement date?” as of November 2025)

Can I get free instant cash transfers with Possible Loan or Dave ExtraCash™?

With Possible Loan, instant* transfers to a debit card are always free. Dave ExtraCash™ fees are based on the delivery method. Instant fransfers to a Dave Checking account have no additional Express fee, but the Dave Checking account requires a membership fee of up to $5/month. Instant transfers to an external debit card (within one hour) cost 1.5% of the transfer amount. (Source: Dave Support, “What are ExtraCash fees?” as of November 2025)

How is Possible Loan pricing different from Dave's pricing?

Possible Loan gives you access to all services—including fast transfers, credit history building and payment flexibility—without a monthly subscription fee. Possible Loan has one upfront finance charge. Dave requires a membership fee of up to $5 to access its full suite of features, including the cash advance. (Source: Dave Legal as of November 2025)

How does credit reporting with Possible Loan differ from Dave ExtraCash™?

Possible Loan automatically reports your payment history to two major credit bureaus as a built-in feature. Dave’s ExtraCash™ advance is not reported to credit bureaus at all. Dave offers credit history building as a separate, optional service that requires you to set up qualifying direct deposits into a Dave Checking account to have your on-time rent and utility payments reported to credit bureaus. (Source, ConsumerAffairs.Com, “About Dave” as of November 2025)

Do I need a good credit score to access Possible Loan?

No. You don’t need a good credit score to apply for a Possible Loan or to start building credit history. Possible Loan doesn’t check your FICO score when you apply and reports your payment history to two credit bureaus, so you can build credit history from the ground up.

Frequently asked questions

Should I choose Possible Loan or Dave ExtraCash™ for access to a larger, more flexible cash option?

For a larger loan, Possible Loan offers up to $500^ with flexible payments in four installments¨. Dave ExtraCash™ also offers advances up to $500, but its repayment is a single automatic debit on your next payday, making Possible Loan’s installment plan more flexible for managing your budget. (Source: Dave Support, “What happens on the settlement date,” as of November 2025)

How does Possible Loan’s payment flexibility compare to Dave ExtraCash™?

With Possible Loan, you can reschedule each of your four installment payments¨ up to 29 days out from the original due date, with unlimited reschedules and no penalty fees. Dave’s ExtraCash™ repayment is a single automatic debit on your next payday. While Dave ExtraCash™ does not offer formal extensions, it automatically attempts partial payments if the full amount is unavailable, without late fees or credit impact. (Source: Dave Support, “Can I have an extension? I’m not able to pay what I owe right now,” as of November 2025) 

If I need more time to pay, is Possible Loan or Dave ExtraCash™ more accommodating?

Possible Loan is more accommodating because its flexible installment plan gives you four separate payments¨ and offers unlimited payment rescheduling, giving you the ability to adjust your due dates up to 29 days out from the original due date. Possible Loan also offers extra time to pay with our Relief Plan for a qualifying hardship. Dave ExtraCash™’s repayment is tied to your next payday, and does not offer the ability to adjust or extend your due dates yourself. Instead, Dave will automatically attempt partial payments if you can’t pay on the original due date. (Source: Dave Support, “What happens on the settlement date?” as of November 2025)

Can I get free instant cash transfers with Possible Loan or Dave ExtraCash™?

With Possible Loan, instant* transfers to a debit card are always free. Dave ExtraCash™ fees are based on the delivery method. Instant fransfers to a Dave Checking account have no additional Express fee, but the Dave Checking account requires a membership fee of up to $5/month. Instant transfers to an external debit card (within one hour) cost 1.5% of the transfer amount. (Source: Dave Support, “What are ExtraCash fees?” as of November 2025)

How is Possible Loan pricing different from Dave's pricing?

Possible Loan gives you access to all services—including fast transfers, credit history building and payment flexibility—without a monthly subscription fee. Possible Loan has one upfront finance charge. Dave requires a membership fee of up to $5 to access its full suite of features, including the cash advance. (Source: Dave Legal as of November 2025)

How does credit reporting with Possible Loan differ from Dave ExtraCash™?

Possible Loan automatically reports your payment history to two major credit bureaus as a built-in feature. Dave’s ExtraCash™ advance is not reported to credit bureaus at all. Dave offers credit history building as a separate, optional service that requires you to set up qualifying direct deposits into a Dave Checking account to have your on-time rent and utility payments reported to credit bureaus. (Source, ConsumerAffairs.Com, “About Dave” as of November 2025)

Do I need a good credit score to access Possible Loan?

No. You don’t need a good credit score to apply for a Possible Loan or to start building credit history. Possible Loan doesn’t check your FICO score when you apply and reports your payment history to two credit bureaus, so you can build credit history from the ground up.

Frequently asked questions

Should I choose Possible Loan or Dave ExtraCash™ for access to a larger, more flexible cash option?

For a larger loan, Possible Loan offers up to $500^ with flexible payments in four installments¨. Dave ExtraCash™ also offers advances up to $500, but its repayment is a single automatic debit on your next payday, making Possible Loan’s installment plan more flexible for managing your budget. (Source: Dave Support, “What happens on the settlement date,” as of November 2025)

How does Possible Loan’s payment flexibility compare to Dave ExtraCash™?

With Possible Loan, you can reschedule each of your four installment payments¨ up to 29 days out from the original due date, with unlimited reschedules and no penalty fees. Dave’s ExtraCash™ repayment is a single automatic debit on your next payday. While Dave ExtraCash™ does not offer formal extensions, it automatically attempts partial payments if the full amount is unavailable, without late fees or credit impact. (Source: Dave Support, “Can I have an extension? I’m not able to pay what I owe right now,” as of November 2025) 

If I need more time to pay, is Possible Loan or Dave ExtraCash™ more accommodating?

Possible Loan is more accommodating because its flexible installment plan gives you four separate payments¨ and offers unlimited payment rescheduling, giving you the ability to adjust your due dates up to 29 days out from the original due date. Possible Loan also offers extra time to pay with our Relief Plan for a qualifying hardship. Dave ExtraCash™’s repayment is tied to your next payday, and does not offer the ability to adjust or extend your due dates yourself. Instead, Dave will automatically attempt partial payments if you can’t pay on the original due date. (Source: Dave Support, “What happens on the settlement date?” as of November 2025)

Can I get free instant cash transfers with Possible Loan or Dave ExtraCash™?

With Possible Loan, instant* transfers to a debit card are always free. Dave ExtraCash™ fees are based on the delivery method. Instant fransfers to a Dave Checking account have no additional Express fee, but the Dave Checking account requires a membership fee of up to $5/month. Instant transfers to an external debit card (within one hour) cost 1.5% of the transfer amount. (Source: Dave Support, “What are ExtraCash fees?” as of November 2025)

How is Possible Loan pricing different from Dave's pricing?

Possible Loan gives you access to all services—including fast transfers, credit history building and payment flexibility—without a monthly subscription fee. Possible Loan has one upfront finance charge. Dave requires a membership fee of up to $5 to access its full suite of features, including the cash advance. (Source: Dave Legal as of November 2025)

How does credit reporting with Possible Loan differ from Dave ExtraCash™?

Possible Loan automatically reports your payment history to two major credit bureaus as a built-in feature. Dave’s ExtraCash™ advance is not reported to credit bureaus at all. Dave offers credit history building as a separate, optional service that requires you to set up qualifying direct deposits into a Dave Checking account to have your on-time rent and utility payments reported to credit bureaus. (Source, ConsumerAffairs.Com, “About Dave” as of November 2025)

Do I need a good credit score to access Possible Loan?

No. You don’t need a good credit score to apply for a Possible Loan or to start building credit history. Possible Loan doesn’t check your FICO score when you apply and reports your payment history to two credit bureaus, so you can build credit history from the ground up.

Send instant cash right to the bank account you choose

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.

Send instant cash right to the bank account you choose

Send instant cash right to the bank account you choose

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, NV, 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, 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

*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

Loan

Advance

Card

Series

Articles

Our purpose

Public Benefit Corp

Financial Relief Plan

Possible beats Dave with up to $500^ and no surprise fees

Possible beats Dave with up to $500^ and no surprise fees

Possible beats Dave with up to $500^ and no surprise fees

Borrow better with Possible Loan

Repay on your terms

Repay on your terms

No surprise fees, ever

No surprise fees, ever

Build credit history

Build credit history

Amount

Repayment

Speed

Pricing

Credit Reporting

Access

Amount

Repayment

Speed

Pricing

Credit Reporting

Access

We believe in transparent pricing

We believe in transparent pricing

When you apply for a Possible Loan, you’ll see exactly how much it will cost before you commit—no hidden fees or surprises. Use our calculator below to see a sample loan cost.

Relief Plan for emergencies

Relief Plan for emergencies

Frequently asked questions

Frequently asked questions

Frequently asked questions

Send instant cash right to the bank account you choose

Send instant cash right to the bank account you choose

Send instant cash right to the bank account you choose

Possible beats Dave with up to $500^{^} and no surprise fees

Possible beats Dave with up to $500^{^} and no surprise fees

Possible beats Dave with up to $500^{^} and no surprise fees