Money in minutes

Apply now

Money in minutes

Apply now

Money in minutes

Apply now

Loan

Get up to $500 instantly and repay over time.

Advance

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

Card

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

Learn

Mission

Financial Relief Plan

Loan

Get up to $500 instantly and repay over time.

Advance

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

Card

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

Learn

Mission

Financial Relief Plan

Possible Loan

Free, Flexible Payment Plans

Borrow up to $500
^ instantly
*

Borrow up to $500
^ instantly
*

Borrow up to $500
^ instantly
*

Get what you need now, pay it back over time

No interest. No hidden fees. Just flexibility.

Paying on your schedule is Possible

Life doesn’t wait until payday. With Possible, you can split your payments into manageable installments—giving you more time and control over your finances.

Get a Possible Loan

The debt trap

A typical payday loan is due back one lump sum—with rollover fees for extensions.

Source: CFPB, “What is a Payday Loan”

The Possible difference

Take your time. You can pay us back in 4 installments^¨

You can move your payments up to 29 days out from the original dates.

Here’s how it works

Possible app UI asking to choose an amount to borrow. "$200" is typed into the field.

Apply for a Possible Loan

It takes just a few minutes to see if you qualify. No FICO check required.

How the application works

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

Review your Pay Over Time plan

We’ll split your repayment into four easy installments over 8 weeks.^¨ Your payment dates are created based on on your payday schedule.

Move payments if you need to—there’s no fee

Payments are automatically scheduled, but you can move them if needed—without rescheduling fees.

See the flexibility

Apply now

Testimonials from real members

It was just what I needed to get over the hump... the smaller amounts to pay back is a lot easier on my finances.

Shakeyla

Member Since 2024

It was just what I needed to get over the hump... the smaller amounts to pay back is a lot easier on my finances.

Shakeyla

Member Since 2024

It was just what I needed to get over the hump... the smaller amounts to pay back is a lot easier on my finances.

Shakeyla

Member Since 2024

You pay it in installments instead of making you pay it all at once. That helps a lot. It gives you a lot of time to pay it back... because life has a lot of things that it throws at you.

Davion

Member Since 2023

You pay it in installments instead of making you pay it all at once. That helps a lot. It gives you a lot of time to pay it back... because life has a lot of things that it throws at you.

Davion

Member Since 2023

You pay it in installments instead of making you pay it all at once. That helps a lot. It gives you a lot of time to pay it back... because life has a lot of things that it throws at you.

Davion

Member Since 2023

Actual members, compensated for sharing their opinion. Results vary.

More ways Possible has your back

Higher approval odds

We look beyond your FICO score, including factors like your income and cash flow, so more people qualify.

Possible app UI indication that an application is approved to borrow $300 and asking where to send the payment—debit card or direct deposit.

Multiple payment options

Link multiple debit cards for more flexibility.

Build credit history

On-time payments help you strengthen your financial future.

Relief Plan

Get even more time to pay if the unthinkable happens

If you’re experiencing financial hardship due to a qualifying event like a medical expense, we can support you with even more time to pay on top of our 29-day rescheduling period.

Find out more

Frequently asked questions

Is every Possible Loan customer eligible to use Pay Over Time?

Yes, every Possible Loan customer is eligible to use Pay Over Time. It comes with the Possible Loan—there are no fancy eligibility requirements. 

How does the app choose my payment dates?

The app will look for paydays in your linked bank account to determine your payment dates. If you’re a gig worker or your income is monthly, you might see fewer installments in the app depending on your situation. 

What if I get paid monthly, or I’m a gig worker—what’s my Pay Over Time plan?

The Possible app will create a customized plan for you, based on your income deposits. Here’s how it works: when you apply, we’ll ask you to link your main bank account—the one where you get paychecks and do your spending. From there, the app will customize your payment schedule as best we can to fit your lifestyle. That might mean having 2 installments instead of 4 over the same 8 weeks.¨ For examples of rates and terms, visit possiblefinance.com/samplepaymentschedules

What if I miss an installment?

Getting back on track after a missed installment is easy with Possible. There are no late fees or penalties with Possible. You can reschedule your payments up to 29 days after the original due date with no rescheduling fees and no impact to your credit (yes, really.) 

Frequently asked questions

Is every Possible Loan customer eligible to use Pay Over Time?

Yes, every Possible Loan customer is eligible to use Pay Over Time. It comes with the Possible Loan—there are no fancy eligibility requirements. 

How does the app choose my payment dates?

The app will look for paydays in your linked bank account to determine your payment dates. If you’re a gig worker or your income is monthly, you might see fewer installments in the app depending on your situation. 

What if I get paid monthly, or I’m a gig worker—what’s my Pay Over Time plan?

The Possible app will create a customized plan for you, based on your income deposits. Here’s how it works: when you apply, we’ll ask you to link your main bank account—the one where you get paychecks and do your spending. From there, the app will customize your payment schedule as best we can to fit your lifestyle. That might mean having 2 installments instead of 4 over the same 8 weeks.¨ For examples of rates and terms, visit possiblefinance.com/samplepaymentschedules

What if I miss an installment?

Getting back on track after a missed installment is easy with Possible. There are no late fees or penalties with Possible. You can reschedule your payments up to 29 days after the original due date with no rescheduling fees and no impact to your credit (yes, really.) 

Frequently asked questions

Is every Possible Loan customer eligible to use Pay Over Time?

Yes, every Possible Loan customer is eligible to use Pay Over Time. It comes with the Possible Loan—there are no fancy eligibility requirements. 

How does the app choose my payment dates?

The app will look for paydays in your linked bank account to determine your payment dates. If you’re a gig worker or your income is monthly, you might see fewer installments in the app depending on your situation. 

What if I get paid monthly, or I’m a gig worker—what’s my Pay Over Time plan?

The Possible app will create a customized plan for you, based on your income deposits. Here’s how it works: when you apply, we’ll ask you to link your main bank account—the one where you get paychecks and do your spending. From there, the app will customize your payment schedule as best we can to fit your lifestyle. That might mean having 2 installments instead of 4 over the same 8 weeks.¨ For examples of rates and terms, visit possiblefinance.com/samplepaymentschedules

What if I miss an installment?

Getting back on track after a missed installment is easy with Possible. There are no late fees or penalties with Possible. You can reschedule your payments up to 29 days after the original due date with no rescheduling fees and no impact to your credit (yes, really.) 

Pay Over Time in action

Illustration representing a newspaper layout with arrows pointing up and down.

How Dean Turned Financial Challenges into Wins with a Possible Loan

Community

9/18/24

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How Dean Turned Financial Challenges into Wins with a Possible Loan

Community

9/18/24

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How Dean Turned Financial Challenges into Wins with a Possible Loan

Community

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How Karla overcame a debt trap and changed her finances

Community

6/4/24

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How Karla overcame a debt trap and changed her finances

Community

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How Karla overcame a debt trap and changed her finances

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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.

Get the Possible app now

Get the Possible app now

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, ID, LA, NV, OH, OR, 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, DE, FL, IA, IN, KS, KY, MI, MO, MS, NC, OK, RI, SC, TN, TX, VA, 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