State Licenses & Disclosures
Last Updated: August 5, 2026
Alaska
Deferred Deposit Advance License AK-C-1697898
Deferred Deposit Advance - Mobile App #1 License AK-M-1697898
Deferred Deposit Advance - Website #1 License AK-W-1697898
Arizona
Collection Agency License CA-1033558
Collection Agency License - Other Trade Name #1 CA-1041621
Collection Agency License - Other Trade Name #2 CA-1041622
Arkansas
Collection Agency License AC-6724
California
Debt Collection License 10595-99
Financing Law License (Pilot Program for Increased Access to Responsible Small Dollar Loans) 60DBO-125909
Deferred Deposit Transaction Law License 10DBO-105848
Possible Finance is licensed by the Department of Financial Protection and Innovation, pursuant to the California Deferred Deposit Transaction Law, License #10DBO-105848. Maximum loan amount in California is $750.
Example Fee Schedule
Amount Provided | Fee | Amount of Check (Total Owed) | Payday Loan w/ single payment (14-day APR) | Payday Loan w/ single payment (30-day APR) | Possible Finance Installment Payments (56-day APR)* |
|---|---|---|---|---|---|
$100 | $17.64 | $117.64 | 460% | 214% | 178% |
$200 | $35.29 | $235.29 | 460% | 214% | 178% |
$250 | $44.11 | $294.11 | 460% | 215% | 178% |
*The loan will initially be issued as a 14 day loan that is due in a lump sum on the 14th day. But don’t worry! We will offer you an extended repayment plan with four equal installments over eight weeks at no additional cost as soon as your loan is originated.
Possible Financial Inc. cannot use the criminal process against a consumer to collect any deferred deposit transaction.
This schedule is posted for licensing compliance and does not reflect the loan terms currently offered to California consumers. Current terms are available at possiblefinance.com/states/california.
Florida
Money Transmitters Part III (Check Casher) with Deferred Presentment License FT340001187
Hawaii
Exempt Out-of-State Collection Agency License COLAX-1238-0
Small Dollar Installment Loans License HIIL012
Idaho
Regulated Lender License RRL-10073
Illinois
Collection Agency License 017.022449
Iowa
Master Loan Company Registration 88893580
Non-Resident Regulated Loan Company Branch License 2021-0128
Kansas
Supervised Loan License SL.0026820
Louisiana
Collection Agency Registration 446766611
Licensed Lender Main Office (In-State and Out-of-State with Lending Activity) 1697898
IF YOU CANNOT MAKE PAYMENT WHEN DUE, YOU CAN ASK TO ENTER INTO AN EXTENDED PAYMENT PLAN ONCE IN A TWELVE-MONTH PERIOD, BUT THE REQUEST MUST BE MADE BEFORE PAYMENT IS DUE. SHOULD YOUR LENDER (LICENSEE) REFUSE TO ENTER INTO AN EXTENDED PAYMENT PLAN UPON YOUR REQUEST BEFORE THE DUE DATE, CONTACT THE OFFICE OF FINANCIAL INSTITUTIONS AT 1-888-525-9414.
Interest: $16.75 for every $100 borrowed
Documentation Fee: $10 for every loan
Possible Finance has a direct lending license in LA for loans generated prior to 10/2/25.
Maine
Loan Servicer License SVR15753
Supervised Lender License NLC3396501
Maryland
Credit Services Business License
Massachusetts
Third Party Loan Servicer Registration LS1697898
Nebraska
Installment Loan Company License
Nevada
Installment Loan Company License IL11287
New Hampshire
Small Loan Lender License 1697898SM
New Jersey
Collection Agency Bond License 19095
North Dakota
Collection Agency License CA104834
Money Broker License MB104104
Ohio
Short-Term Lender License ST.760161.000
Possible Finance has a direct lending license in OH for loans generated prior to 12/2/25.
Oregon
Payday/Title Loan License 1698997
Consumer Finance License 1697898
Possible Finance has a direct lending license in OR for loans generated prior to 12/2/25.
The terms and conditions of receiving a Possible Card are subject Oregon law, including but not limited to the interest rate caps contained in ORS 725.340, which provide that interest cannot exceed the greater of 36 percent or 30 percentage points in excess of the discount window primary credit rate expressed as an annual percentage rate, and the Oregon Unlawful Trade Practices Act.
Pennsylvania
Credit Services Loan Broker Registration 95262
South Dakota
Money Lender License 1697898.MYL
If there are any improprieties in the servicing of your card, please contact the South Dakota Division of Banking:
South Dakota Division of Banking
1714 Lincoln Ave., Suite 2
Pierre, SD 57501
(605) 773-3421
Texas
Credit Services Organization Registration 20180100
Credit Access Business License 1800061850-160823
This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question.
OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705
Phone : (800) 538-1579
Fax : (512) 936-7610
Website : occc.texas.gov
Email : consumer.complaints@occc.texas.gov
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
Example Fee Schedule
Amount Financed | CAB Fee | Interest Rate | Finance Charge (Interest & Fees) | Annual Percentage Rate (APR) | Additional Fees Charged at Loan Inception | Standard Loan Term | Number of Payments |
|---|---|---|---|---|---|---|---|
$200 | 25% | – | $50 | 248.67% | $0 | 8 weeks | 4 |
$300 | 25% | – | $75 | 248.67% | $0 | 8 weeks | 4 |
$400 | 25% | – | $100 | 248.67% | $0 | 8 weeks | 4 |
*Fourth payment amount may vary slightly based on timing of repayment. See example for $200.
Utah
Consumer Credit Notification 1697898
Earned Wage Access Services Registration 14254362-EWAS
Have a complaint? We want to hear from you. Please reach out to our support team first so we can help: support@possiblefinance.com. If you’re still not satisfied, you can also contact the Utah Division of Consumer Protection:
Phone: (801) 530-6601 or (800) 721-7233 (toll-free in Utah)
Email: consumerprotection@utah.gov
Website: dcp.utah.gov
Mailing Address: PO Box 146704, Salt Lake City, UT 84114-6704
Vermont
Loan Solicitation License LSO-1697898
Loan Solicitation License - Other Trade Name #1 LSO-1697898-1
Loan Solicitation License - Other Trade Name #2 LSO-1697898-2
THIS IS A LOAN SOLICITATION ONLY. POSSIBLE FINANCE IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH COASTAL COMMUNITY BANK IN CONNECTION WITH YOUR LOAN INQUIRY. COASTAL COMMUNITY BANK MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. COASTAL COMMUNITY BANK MAY BE SUBJECT TO FEDERAL LENDING LAWS.
Virginia
Short-Term Lender License PL-170
Licensed by the Virginia State Corporation Commission
Sample Fee Schedule
Amount Financed | Loan Term | Payment Frequency | Payment Amount | Finance Charge | Total of Payments | Annual Percentage Rate* |
|---|---|---|---|---|---|---|
Required Examples per 10VAC5-200-60(A)(1)(i)-(iii) — Monthly Payments | ||||||
$300 | 3 Months | Monthly | $130.06 | $90.18 | $390.18 | 172.64% |
$500 | 5 Months | Monthly | $134.18 | $170.90 | $670.90 | 128.09% |
$1,000 | 10 Months | Monthly | $142.23 | $422.30 | $1,422.30 | 83.73% |
*Annual Percentage Rate is calculated in accordance with Regulation Z (12 CFR Part 1026). Monthly payment examples assume substantially equal monthly installments of principal, interest, and fees combined. | ||||||
This schedule is posted for licensing compliance and does not reflect the loan terms currently offered to Virginia consumers. Current terms are available at possiblefinance.com/states/virginia.
Washington
Check Casher License 530-CC-111888
Collection Agency Endorsement License 604188858-001-0001
Small Loan Endorsement License 530-CC-111888
If you have questions about your rights and responsibilities when taking out a payday loan, contact the Department of Financial Institutions at 1-800-RINGDFI (1-877-746-4334), or 360-902-8700, or 150 Israel Road S.W., Tumwater, Washington, 98501.
Your right to rescind (cancel) this loan. You have the right to rescind this loan by returning the amount of the loan in cash or returning the check given to you by us to our office by the close of business on our next business day following the date of this loan. We may not charge you for canceling the loan and we will return to you, or at your request destroy any postdated check or electronic equivalent authorization you have given to us. If the ACH authorization cannot be destroyed it becomes void if you cancel the loan.
Your right to an installment plan when you are unable to pay your small loan when it is due.
If you will be or are unable to pay your loan when it is due, you may convert your loan to an installment plan with us by notifying us on or before the loan’s due date. If your loan amount is four hundred dollars or less, you may enter into an installment plan that allows you to pay off your loan in substantially equal payments over ninety days. If your loan amount is more than four hundred dollars, you may enter into an installment plan that allows you to pay off your loan in substantially equal payments over one hundred eighty days.
An installment plan will allow you to pay all that you owe without having to pay any additional fees, interest charges, or other charges for converting your small loan into an installment plan.
Example Fee Schedule
Amount Financed | Fee | Total Amount of Principle and Interest | Annual Percentage Rate (assumes 56-day term) |
|---|---|---|---|
$100 | $15 | $115 | 151.70% |
$200 | $30 | $230 | 151.70% |
$300 | $45 | $345 | 151.70% |
$400 | $60 | $460 | 151.70% |
West Virginia
Collection Agency Business Registration 2417-3349
Wisconsin
Consumer Act Registration
Earned Wage Access Services Provider License 1697898EWA
Loan Company License 3304 - LC