Loan

Get up to $500 instantly and repay over time.

Advance

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

Bill & Rent

Build credit history with everyday bill payments.

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

Learn

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.

Bill & Rent

Build credit history with everyday bill payments.

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

Learn

Mission

Financial Relief Plan

Money in seconds^*

Apply now

Plus Membership

Unlock exclusive perks

Get fast^* cash, build credit & more

Borrow up to $500^{^}, build credit with rent and utility payments and get personalized money insights—all in one membership, $14.99/month.

Start 7-day trial†

Possible app UI indicating that the current balance is $225.

Image of the Possible app UI with a list of upcoming payments. Two of the four payments are checked as paid off.

Possible notification indicating that a $300 Possible Advance has been deposited.

Loan

Get up to $500^{^} fast^*

Members can borrow money fast. We don’t check your FICO score. Pay it back over time in 4 installments.

See Rates & Terms Examples

Bill & Rent Reporting

Build credit history

Report rent and bills to TransUnion as part of your membership. Rent reporting can boost credit scores by up to 26 points if you’re starting with a score below 670.

Source: TransUnion

Coach

Get spending insights

Find out where your money is going
and how to save. Get exclusive access to Coach, our AI assistant, as a member.

Start for free

Get great benefits with a Plus plan

Possible app UI asking to link your bank.

Loan

Get up to $500^{^} cash in seconds^*

Get funds straight to your bank account and pay it back over time. No FICO check.

Optional instant^* delivery

Guaranteed 35.99% APR

Repay in installments

Move payments up to 29 days from the original due dates—no penalty

Build credit history: every payment is reported to two bureaus, TransUnion and Experian

Image of the Possible app UI with a list of upcoming payments.

Image of the Possible app UI displaying upcoming payments.

Bill & Rent Reporting

Build credit history with your existing bills

Get your bill and rent payments reported to TransUnion.

Build credit history with the payments you’re already making

Plus: up to 2 years of past payments included, free

Only on-time payments get reported

Find out more

Coach

See where your money is going and find ways to save

Ask Coach, our AI assistant, a question and get an answer that’s specific to your finances.

Spot spending patterns before they become problems

Compare this month to last—no spreadsheet required

Safe and private using your secure bank link—we’ll never sell your data

7 day free trial^~, then

$14.99/month

7 days free^~ to see eligibility

Personalized to your finances

No penalty fees, ever

Cancel anytime

Start now

Possible Advance background illustration texture.

What the free trial^~ includes

Your $14.99 monthly membership activates if you accept a loan, add a bill for credit reporting, or after the first 7 days—whichever comes first.

Get your estimate

See how much cash you can borrow. Link your bank and confirm your personal info, then start your free 7-day trial† to see your eligibility. There’s no FICO check. Start your $14.99/month membership and get cash in seconds* on approval.

Get your estimate

Explore credit building

See what utility bills or rent payments you can report to credit bureaus, helping you build credit history. Start your $14.99/month membership to build credit history with the payments you’re already making.

Explore credit building

Chat with Coach

Enjoy complete access to Coach, our AI assistant. Know your numbers without digging through statements and get insights fast.

Chat with Coach

Enjoy complete access to Coach, our AI assistant. Know your numbers without digging through statements and get insights fast.

Chat with Coach

Enjoy complete access to Coach, our AI assistant. Know your numbers without digging through statements and get insights fast.

Theresearch and customer reviews agree

On-time rent reporting can boost credit scores by up to 26 points if you’re starting with a score below 670

Source: TransUnion

Payment history is 40% of your credit score

Source: TransUnion

More than 150,000 ★★★★★ reviews
4.4 stars
Google Play
4.8 stars
App Store
4.5 stars
Trustpilot
A+
Better Business Bureau

More than 150,000 ★★★★★ reviews
4.4 stars
Google Play
4.8 stars
App Store
4.5 stars
Trustpilot
A+
Better Business Bureau

Ratings as of May 2026.

Frequently
asked
questions

What is the Plus plan?

Plus is a monthly membership plan from Possible Finance that gives you access to a personal loan, credit-building tools and bill & rent reporting—all in one place. With a Plus membership, you can borrow when you need to and build credit history over time. It's a smarter alternative to payday loans for people working toward stronger financial footing.

How much does Plus cost and how does the free trial work?

To get started with Plus, sign up for a free 7-day trial to explore your eligibility before you're charged anything. Your trial ends after 7 days, or sooner if you activate a loan or initiate credit reporting, whichever comes first. If you cancel before your trial ends, you won't owe a thing. After that, you're billed $14.99/month and can cancel anytime.

How does the loan work?

When you have a Plus membership, you can access loans. You check your eligibility directly in the Possible app during your 7-day trial.~ If you activate your offer and get approved, funds can be deposited the same day with Instant Delivery. You can repay in scheduled installments at 35.99% APR, and every payment is reported to the credit bureaus, so borrowing actually helps you build credit history while you pay it back.

What’s included in a Plus membership?

A Plus membership includes three core benefits: access to a personal installment loan at 35.99% APR, credit-building through reported on-time payments, bill & rent reporting so your monthly rent payments count toward your credit history, and access to personalized insights with Coach, our AI assistant.

Do I need to take out a loan to be a Plus member?

No, a loan is one benefit of your membership, not a requirement. With Plus, you can use credit-building and rent reporting features without ever borrowing. This makes it useful even for people who don't need cash right now but want to grow their credit score consistently over time using tools that go beyond a traditional loan.

Can I cancel the Plus plan?

Yes, you can cancel your Plus plan anytime. Cancel within your free 7-day trial before you activate a loan or credit reporting, and you won't be charged. If you cancel after your trial, your membership stays active through the end of your current billing cycle. Note: canceling your membership does not cancel an existing loan. Any outstanding balance remains due per your loan agreement.

Is Plus available in my state?

Plus is currently available in Mississippi and Oklahoma. Availability is expanding, so if it's not in your state yet, it may be coming soon. Download the Possible app and create a free account to check eligibility where you live. 

How is a Plus membership different from a regular personal loan?

A standard personal loan is a one-time transaction. Plus is an ongoing plan that bundles loan access at 35.99% APR with credit-building and rent reporting, plus access to Coach, for $14.99/month. It's designed for people who want a financial tool that keeps working after the loan is repaid—not just emergency cash. Think of it less like a lender and more like a financial membership that grows with you.

What happens to my loan if I cancel Plus?

Canceling your Plus plan only affects future access to Plus benefits. It does not discharge, pause or modify any existing loan obligation. If you have an active loan and cancel your membership, your loan remains in effect. You're still required to make payments according to your original loan agreement, and those payments will continue to be reported to the credit bureaus.

How do I sign up for a Plus plan?

To get started, download the Possible Finance app, create a free account, and follow the prompts to begin your free 7-day trial. The app guides you through plan enrollment and, if you're eligible, your personal loan application—all in one. Your trial converts to a $14.99/month plan when you activate a loan or credit reporting, or after 7 days, whichever comes first.

Frequently asked
questions

What is the Plus plan?

Plus is a monthly membership plan from Possible Finance that gives you access to a personal loan, credit-building tools and bill & rent reporting—all in one place. With a Plus membership, you can borrow when you need to and build credit history over time. It's a smarter alternative to payday loans for people working toward stronger financial footing.

How much does Plus cost and how does the free trial work?

To get started with Plus, sign up for a free 7-day trial to explore your eligibility before you're charged anything. Your trial ends after 7 days, or sooner if you activate a loan or initiate credit reporting, whichever comes first. If you cancel before your trial ends, you won't owe a thing. After that, you're billed $14.99/month and can cancel anytime.

How does the loan work?

When you have a Plus membership, you can access loans. You check your eligibility directly in the Possible app during your 7-day trial.~ If you activate your offer and get approved, funds can be deposited the same day with Instant Delivery. You can repay in scheduled installments at 35.99% APR, and every payment is reported to the credit bureaus, so borrowing actually helps you build credit history while you pay it back.

What’s included in a Plus membership?

A Plus membership includes three core benefits: access to a personal installment loan at 35.99% APR, credit-building through reported on-time payments, bill & rent reporting so your monthly rent payments count toward your credit history, and access to personalized insights with Coach, our AI assistant.

Do I need to take out a loan to be a Plus member?

No, a loan is one benefit of your membership, not a requirement. With Plus, you can use credit-building and rent reporting features without ever borrowing. This makes it useful even for people who don't need cash right now but want to grow their credit score consistently over time using tools that go beyond a traditional loan.

Can I cancel the Plus plan?

Yes, you can cancel your Plus plan anytime. Cancel within your free 7-day trial before you activate a loan or credit reporting, and you won't be charged. If you cancel after your trial, your membership stays active through the end of your current billing cycle. Note: canceling your membership does not cancel an existing loan. Any outstanding balance remains due per your loan agreement.

Is Plus available in my state?

Plus is currently available in Mississippi and Oklahoma. Availability is expanding, so if it's not in your state yet, it may be coming soon. Download the Possible app and create a free account to check eligibility where you live. 

How is a Plus membership different from a regular personal loan?

A standard personal loan is a one-time transaction. Plus is an ongoing plan that bundles loan access at 35.99% APR with credit-building and rent reporting, plus access to Coach, for $14.99/month. It's designed for people who want a financial tool that keeps working after the loan is repaid—not just emergency cash. Think of it less like a lender and more like a financial membership that grows with you.

What happens to my loan if I cancel Plus?

Canceling your Plus plan only affects future access to Plus benefits. It does not discharge, pause or modify any existing loan obligation. If you have an active loan and cancel your membership, your loan remains in effect. You're still required to make payments according to your original loan agreement, and those payments will continue to be reported to the credit bureaus.

How do I sign up for a Plus plan?

To get started, download the Possible Finance app, create a free account, and follow the prompts to begin your free 7-day trial. The app guides you through plan enrollment and, if you're eligible, your personal loan application—all in one. Your trial converts to a $14.99/month plan when you activate a loan or credit reporting, or after 7 days, whichever comes first.

Frequently
asked
questions

What is the Plus plan?

Plus is a monthly membership plan from Possible Finance that gives you access to a personal loan, credit-building tools and bill & rent reporting—all in one place. With a Plus membership, you can borrow when you need to and build credit history over time. It's a smarter alternative to payday loans for people working toward stronger financial footing.

How much does Plus cost and how does the free trial work?

To get started with Plus, sign up for a free 7-day trial to explore your eligibility before you're charged anything. Your trial ends after 7 days, or sooner if you activate a loan or initiate credit reporting, whichever comes first. If you cancel before your trial ends, you won't owe a thing. After that, you're billed $14.99/month and can cancel anytime.

How does the loan work?

When you have a Plus membership, you can access loans. You check your eligibility directly in the Possible app during your 7-day trial.~ If you activate your offer and get approved, funds can be deposited the same day with Instant Delivery. You can repay in scheduled installments at 35.99% APR, and every payment is reported to the credit bureaus, so borrowing actually helps you build credit history while you pay it back.

What’s included in a Plus membership?

A Plus membership includes three core benefits: access to a personal installment loan at 35.99% APR, credit-building through reported on-time payments, bill & rent reporting so your monthly rent payments count toward your credit history, and access to personalized insights with Coach, our AI assistant.

Do I need to take out a loan to be a Plus member?

No, a loan is one benefit of your membership, not a requirement. With Plus, you can use credit-building and rent reporting features without ever borrowing. This makes it useful even for people who don't need cash right now but want to grow their credit score consistently over time using tools that go beyond a traditional loan.

Can I cancel the Plus plan?

Yes, you can cancel your Plus plan anytime. Cancel within your free 7-day trial before you activate a loan or credit reporting, and you won't be charged. If you cancel after your trial, your membership stays active through the end of your current billing cycle. Note: canceling your membership does not cancel an existing loan. Any outstanding balance remains due per your loan agreement.

Is Plus available in my state?

Plus is currently available in Mississippi and Oklahoma. Availability is expanding, so if it's not in your state yet, it may be coming soon. Download the Possible app and create a free account to check eligibility where you live. 

How is a Plus membership different from a regular personal loan?

A standard personal loan is a one-time transaction. Plus is an ongoing plan that bundles loan access at 35.99% APR with credit-building and rent reporting, plus access to Coach, for $14.99/month. It's designed for people who want a financial tool that keeps working after the loan is repaid—not just emergency cash. Think of it less like a lender and more like a financial membership that grows with you.

What happens to my loan if I cancel Plus?

Canceling your Plus plan only affects future access to Plus benefits. It does not discharge, pause or modify any existing loan obligation. If you have an active loan and cancel your membership, your loan remains in effect. You're still required to make payments according to your original loan agreement, and those payments will continue to be reported to the credit bureaus.

How do I sign up for a Plus plan?

To get started, download the Possible Finance app, create a free account, and follow the prompts to begin your free 7-day trial. The app guides you through plan enrollment and, if you're eligible, your personal loan application—all in one. Your trial converts to a $14.99/month plan when you activate a loan or credit reporting, or after 7 days, whichever comes first.

Getnotified when we launch new features & more

Drop your email for access to financial tips, updates on our latest technology and more.

Getnotified when we launch new features & more

Drop your email for access to financial tips, updates on our latest technology and more.

Getnotified when we launch new features & more

Drop your email for access to financial tips, updates on our latest technology and more.

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 AK, 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 typically occurs within seconds; ACH transfers take 1-2 business days. Instant Delivery fee may apply in select states.

^Loan amounts & structure vary by state. Max amount not typical.

°Savings since 2017 includes fees Possible doesn't charge (e.g., NSF, rollover) plus reduced costs from customers borrowing less frequently than typical payday loan users, assuming customers would otherwise have faced industry-average fees and borrowing rates. Sources: internal data; state regulatory data; CFPB (Pub. No. 2023-9); Pew ("Payday Lending in America," 2013); CRL ("Down the Drain," 2025). Individual results may 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.

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 typically occurs within seconds; ACH transfers take 1-2 business days. Instant Delivery fee may apply in select states.

^Loan amounts & structure vary by state. Max amount not typical.

¨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 typically occurs within seconds; ACH transfers take 1-2 business days. Instant Delivery fee may apply in select states.

^Loan amounts & structure vary by state. Max amount not typical.

¨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

Bill & Rent

Series

Articles

Our purpose

Public Benefit Corp

Financial Relief Plan

Get up to $500^ fast*

Get up to $500^ fast*

Get up to $500^ fast*

Build credit history

Get spending insights

Get great benefits with a Plus plan

Get great benefits with a Plus plan

Get great benefits with a Plus plan

Get up to $500^ cash in seconds*

Get up to $500^ cash in seconds*

Get up to $500^ cash in seconds*

Build credit history with your existing bills

Build credit history with your existing bills

See where your money is going and find ways to save

See where your money is going and find ways to save

7 day free trial~, then

7 day free trial~, then

7 day free trial~, then

$14.99/month

What the free trial~ includes

What the free trial~ includes

What the free trial~ includes

Get your estimate

Get your estimate

Get your estimate

Explore credit building

Explore credit building

Explore credit building

Chat with Coach

Chat with Coach

Chat with Coach

Theresearch and customer reviews agree

Theresearch and customer reviews agree

Theresearch and customer reviews agree

On-time rent reporting can boost credit scores by up to 26 points if you’re starting with a score below 670

Payment history is 40% of your credit score

Frequently asked questions

Frequently asked questions

Frequently asked questions

Getnotified when we launch new features & more

Getnotified when we launch new features & more

Getnotified when we launch new features & more

Get up to $500^{^} fast^*

Get up to $500^{^} fast^*

Get up to $500^{^} fast^*

Get up to $500^{^} cash in seconds^*

Get up to $500^{^} cash in seconds^*

Get up to $500^{^} cash in seconds^*

7 day free trial^~, then

7 day free trial^~, then

7 day free trial^~, then

What the free trial^~ includes

What the free trial^~ includes

What the free trial^~ includes

Frequently
asked
questions

Frequently asked
questions

Frequently
asked
questions