What if I need to pay late?
You can reschedule payments up to 29 days out from the original due date in the Possible app. If you need to move a payment out more than 29 days, you’ll need to contact support to set up a custom plan or apply for Relief Plan. Possible never charges late or rescheduling fees, but payments delayed past the 29-day grace period must be legally reported as late to credit bureaus under the Fair Credit Reporting Act.
Transcript
Life happens, and that’s why Possible Loans offer flexibility.
If you need to move your payment dates, you can. With Possible Loans, there’s an extra twenty-nine days for for you to move every payment later than its original due date.
BUT what if you need to pay late—even MORE than twenty nine days after the due date?
It’s possible, but there are some things you should know. Let’s get into it.
First up, if you haven’t already, tap right here.
Remember: you can move each and EVERY payment ANY time within twenty nine days of the original due dates.
Just pick a new date from the calendar.
From there, if you try to move the dates further than twenty nine days out, your screen will look like this.
That means the date you selected is past the grace period.
Our team can still help adjust your payment dates, or even set up a custom plan.
There’s still no rescheduling fee or late fee. BUT because we report to credit bureaus,
Making a payment later than twenty nine days after the original due date will show up as “late” on your credit report.
We won’t add to this burden: we don’t charge fees, and we won’t penalize you for paying late
But we also can’t remove late payments from your credit report just because a loan is eventually paid off.
We have a responsibility to report fairly and accurately according to the Fair Credit Reporting Act.
The best thing you can do is take action early. Reach out, make a payment, reschedule—whatever works for you.
We’re here to support you with tools and flexibility.
You’ve got options for extending your payment dates. There’s also our Relief Plan—so if you’ve been impacted by a qualifying event, like a natural disaster, you may be eligible. I’ll include that info down below.
Check out the Help Center for more info about missed payments, the grace period and how to stay on track. I’ve been Uzunma with Possible. Thanks for watching.
More in this series
How quickly can I get a Possible Loan?
Most Possible Loan customers see money hit their debit card in seconds—because life can’t wait. For a small number of customers who choose ACH transfer, it may take about 5 business days.
1:19
1:19
How quickly can I get a Possible Loan?
Most Possible Loan customers see money hit their debit card in seconds—because life can’t wait. For a small number of customers who choose ACH transfer, it may take about 5 business days.
Does Possible offer financial relief?
Need more time to pay? With Possible, you can move payments up to 29 days past the original due date—plus, you may qualify for extra relief if you’re facing a hardship.
1:52
1:52
Does Possible offer financial relief?
Need more time to pay? With Possible, you can move payments up to 29 days past the original due date—plus, you may qualify for extra relief if you’re facing a hardship.
Possible is a PBC. What does that mean?
Possible is a Public Benefit Corporation—that means we put your financial health first.
1:27
1:27
Possible is a PBC. What does that mean?
Possible is a Public Benefit Corporation—that means we put your financial health first.
How is Possible different from a payday lender?
Unlike payday loans, Possible Loan was built help us succeed when you do. We never charge late fees, penalty fees or rescheduling fees. Plus, there’s more about what makes us different.
1:25
1:25
How is Possible different from a payday lender?
Unlike payday loans, Possible Loan was built help us succeed when you do. We never charge late fees, penalty fees or rescheduling fees. Plus, there’s more about what makes us different.
How long do payments take to process?
We believe payments should never be a guessing game—that’s why Possible keeps you updated every step of the way. Here’s how long payments typically take to process.
1:32
1:32
How long do payments take to process?
We believe payments should never be a guessing game—that’s why Possible keeps you updated every step of the way. Here’s how long payments typically take to process.
Does Possible run a credit check?
Applying for a Possible Loan won’t have an impact on your credit score—here’s why.
1:31
1:31
Does Possible run a credit check?
Applying for a Possible Loan won’t have an impact on your credit score—here’s why.
What banks does Possible accept?
When applying for a Possible Loan, linking your bank helps us review your real cash flow. Here’s an introduction to what banks you can choose.
1:25
1:25
What banks does Possible accept?
When applying for a Possible Loan, linking your bank helps us review your real cash flow. Here’s an introduction to what banks you can choose.
How can I delete my account?
Thinking about deleting your Possible account? Here’s how to request removal—and what to know before you do.
1:36
1:36
How can I delete my account?
Thinking about deleting your Possible account? Here’s how to request removal—and what to know before you do.
How do I contact Possible Finance?
Here’s how to get in touch with us: reach out in the app and we’ll get back to you soon.
1:03
1:03
How do I contact Possible Finance?
Here’s how to get in touch with us: reach out in the app and we’ll get back to you soon.
Do Possible Loans Build Credit History?
On-time payments on your Possible Loan become part of your credit history—but a better score isn’t guaranteed. Here’s how Possible reports to bureaus and what it means for you.
2:23
2:23
Do Possible Loans Build Credit History?
On-time payments on your Possible Loan become part of your credit history—but a better score isn’t guaranteed. Here’s how Possible reports to bureaus and what it means for you.
How Loan Amounts Work with a Possible Loan
Loan amounts vary by state and your financial history. Here’s how we determine what you qualify for—and how to grow it over time.
1:35
1:35
How Loan Amounts Work with a Possible Loan
Loan amounts vary by state and your financial history. Here’s how we determine what you qualify for—and how to grow it over time.
How to Reschedule Your Possible Loan Payments
Life happens. Here’s how to reschedule a Possible Loan payment—right in the app, with no rescheduling fees or judgment.
1:26
1:26
How to Reschedule Your Possible Loan Payments
Life happens. Here’s how to reschedule a Possible Loan payment—right in the app, with no rescheduling fees or judgment.
How Installment Payments Work with a Possible Loan
Possible Loans are designed to be flexible. Learn how installment payments work—and how to reschedule.
1:09
1:09
How Installment Payments Work with a Possible Loan
Possible Loans are designed to be flexible. Learn how installment payments work—and how to reschedule.
What Is a Primary Account?
Your Primary Account is the main bank account you use with Possible. Learn how to choose it, and why it matters for your Possible Loan.
2:35
2:35
What Is a Primary Account?
Your Primary Account is the main bank account you use with Possible. Learn how to choose it, and why it matters for your Possible Loan.
How to Apply for a Possible Loan
Ready to apply for a Possible Loan? Here’s how it works, from linking your bank to verifying your info. Plus, a few tips to improve your chances of approval.
2:54
2:54
How to Apply for a Possible Loan
Ready to apply for a Possible Loan? Here’s how it works, from linking your bank to verifying your info. Plus, a few tips to improve your chances of approval.
What to Do If You’re Denied for a Possible Loan
Getting denied for a Possible Loan doesn’t mean it’s over. Here’s what to do next—and how to improve your odds when you reapply.
2:06
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What to Do If You’re Denied for a Possible Loan
Getting denied for a Possible Loan doesn’t mean it’s over. Here’s what to do next—and how to improve your odds when you reapply.
How to Reapply for a Possible Loan
Ready to reapply for a Possible Loan? Here’s how it works—from cooldowns to timing tips to boosting your odds of approval.
2:12
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How to Reapply for a Possible Loan
Ready to reapply for a Possible Loan? Here’s how it works—from cooldowns to timing tips to boosting your odds of approval.
How can I increase my Possible Loan amount?
Want to boost your odds—or your loan amount? Learn what you can do to increase your chances of getting approved for a Possible Loan. No FICO score required.
3:22
3:22
How can I increase my Possible Loan amount?
Want to boost your odds—or your loan amount? Learn what you can do to increase your chances of getting approved for a Possible Loan. No FICO score required.
When’s the Best Time to Apply for a Possible Loan?
The Possible app can help you know the best time to apply for a loan—based on your real spending and paycheck habits. No FICO check required.
2:19
2:19
When’s the Best Time to Apply for a Possible Loan?
The Possible app can help you know the best time to apply for a loan—based on your real spending and paycheck habits. No FICO check required.
Why Is My Possible Loan Offer Lower Than Before?
Approved for a lower loan amount than before? Here’s why that happens—and how to potentially qualify for more next time.
1:19
1:19
Why Is My Possible Loan Offer Lower Than Before?
Approved for a lower loan amount than before? Here’s why that happens—and how to potentially qualify for more next time.
How to Link a Bank Account or Payment Method
Learn how to link your bank account or payment method in the Possible app—whether you’re using Plaid, adding a debit card, or switching your Primary Account.
2:13
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How to Link a Bank Account or Payment Method
Learn how to link your bank account or payment method in the Possible app—whether you’re using Plaid, adding a debit card, or switching your Primary Account.
Can I Pay Off My Possible Loan Early?
Can you pay off your Possible Loan early—and should you? Here’s what to know about extra payments, rescheduling, and building credit history with Possible.
1:06
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Can I Pay Off My Possible Loan Early?
Can you pay off your Possible Loan early—and should you? Here’s what to know about extra payments, rescheduling, and building credit history with Possible.
How to Make a Payment in the Possible App
Learn how to make a payment in the Possible app—whether you want to pay early, switch methods, or use a debit card or bank account.
1:05
1:05
How to Make a Payment in the Possible App
Learn how to make a payment in the Possible app—whether you want to pay early, switch methods, or use a debit card or bank account.
How Fast Will I Get My Possible Loan?
Wondering how fast you’ll get your funds? Learn how debit card transfers can get you cash in seconds*.
1:24
1:24
How Fast Will I Get My Possible Loan?
Wondering how fast you’ll get your funds? Learn how debit card transfers can get you cash in seconds*.
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, UT and WA. Idaho Residents: License #RRL-10073; Louisiana Residents: License #1697898; 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 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 or incentivized. Results 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
Possible Financial Inc. © 2026 - 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 AK, CA, HI, ID, UT and WA. Idaho Residents: License #RRL-10073; Louisiana Residents: License #1697898; 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 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 or incentivized. Results 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
Possible Financial Inc. © 2026 - 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 AK, CA, HI, ID, UT and WA. Idaho Residents: License #RRL-10073; Louisiana Residents: License #1697898; 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 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 or incentivized. Results 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
Possible Financial Inc. © 2026 - NMLS #1697898