Short-Term Credit That's Actually Fair
No hidden fees. No late fees. AI-powered underwriting that works for you.
No Hidden Fees Know exactly what you'll pay
Fast Decisions AI underwriting in minutes
Build Credit Payments reported to bureaus
Why Possible: The Difference
Possible stands apart from traditional payday lenders and other fintech competitors. We're built on transparency, fairness, and your financial success.
AI-Powered Underwriting
Fast decisions based on your banking activity, not your credit score. We see your financial potential.
No Late Fees, Ever
Flexible repayment dates without penalties. Life happens—we get it.
Build Your Credit
Reported payments help improve your credit history. Every on-time payment counts.
Mission-Driven
Public Benefit Corporation committed to fair lending. Your success is our purpose.
Transparent Pricing
No hidden fees. You know exactly what you'll pay before you apply.
Possible Loan vs. Possible Advance
Two flexible ways to access the cash you need. Choose the product that fits your situation and build credit along the way.
Possible Loan
What It Is
A short-term installment loan that lets you borrow money and repay it on your own flexible schedule. You build credit with every on-time payment.
How It Works
- 1. Download the Possible app and verify your identity.
- 2. Connect your bank account for AI underwriting review.
- 3. Get an instant decision (no credit score required).
- 4. Receive funds and choose your own repayment date.
- 5. Repay on your schedule with no late fees.
Key Features
- Flexible repayment dates—you choose when to pay
- No late fees, ever
- Builds credit: payments reported to bureaus
- AI underwriting based on banking activity
- Transparent pricing: $20 per $100 (varies by state)
When to Use It
Emergency expenses, unexpected bills, or any situation where you need cash and want to build credit while repaying on your own terms.
Typical amounts: $100–$500 (varies by state and eligibility)
Possible Advance
What It Is
Earned wage access: get cash from wages you've already earned, before payday. Access your money when you need it—no loan, no credit check, no interest.
How It Works
- 1. Download the Possible app and verify your identity.
- 2. Connect your payroll or employer account.
- 3. See how much earned wages you can access.
- 4. Request and receive funds instantly or next business day.
- 5. Repayment is automatic from your next paycheck.
Key Features
- No credit check required
- No interest charges
- Automatic repayment from paycheck
- Access earned wages instantly
- Transparent fee structure (varies by employer)
When to Use It
Bridging a paycheck gap, unexpected expenses before payday, or any time you need quick access to cash you've already earned.
Access amounts: Varies by employer and paycheck (typically $50–$500)
| Feature | Possible Loan | Possible Advance |
|---|---|---|
| Credit Check | No—uses AI underwriting | No |
| Repayment Schedule | You choose the date | Automatic from paycheck |
| Late Fees | None | N/A (auto-repay) |
| Builds Credit | Yes—reported to bureaus | No |
| Interest | No interest (fees only) | No |
| Speed | Instant decision | Instant or next business day |
| Typical Amounts | $100–$500+ | $50–$500 (varies by employer) |
Not sure which is right for you? Both are available in the Possible app—try whichever fits your needs.
Ready to Get Started? Download the AppRated 4.8 out of 5
Trusted by over 100,000 users
"I needed cash fast and was worried about hidden fees. Possible showed me exactly what I'd pay upfront. No surprises, no stress. The whole process took minutes."
Jessica M.
Denver, CO
"Unlike payday lenders, Possible actually reported my payments to the credit bureaus. I've been building my credit while accessing the funds I needed. That's huge for me."
Robert C.
Atlanta, GA
"I had a gap between paychecks and used Possible Advance. The money hit my account before my next paycheck, and repayment was automatic. No stress, no juggling."
Sophia L.
Portland, OR
"The app is super intuitive and I could choose my own repayment date. That flexibility made a real difference when my circumstances changed. No penalties, just understanding."
Marcus K.
Phoenix, AZ
Join thousands who've accessed fair credit and started building their financial future with Possible.
Your Path to Fair Credit
Getting cash and building credit shouldn't be complicated. We've stripped away the mystery—here's exactly how Possible works, from app to repayment.
Download & Verify Your Identity
Get the Possible app and verify who you are in minutes. We use fraud detection to keep your account safe—no guesswork, just security.
Connect Your Bank Account
Link your checking account so our AI can review your real financial activity—not your credit score. We look at how you actually manage money.
Get an Instant Decision
Our AI reviews your application in real time. No waiting days for a decision—you'll know if you're approved quickly, with full transparency on costs.
Receive Your Funds
Once approved, funds go directly to your bank account. Timing varies by product, but Possible Advance can get you cash within hours.
Repay on Your Schedule & Build Credit
Choose your own repayment due date—no late fees, no penalties. Every on-time payment is reported to credit bureaus, helping you build credit history.
How Credit-Building Works: Your Possible payments are reported to major credit bureaus. On-time payments boost your credit score over time, helping you access better rates and products in the future.
Your Security Is Our Priority
We protect your money and data with industry-leading security, fraud detection, and regulatory compliance. Here's how we keep you safe.
Fraud Detection & Identity Verification
We use advanced technology to verify your identity and detect fraudulent activity before it happens. Every application is screened for security risks, and your account is monitored for suspicious behavior 24/7.
Data Encryption & Security
Your financial information is encrypted using industry-standard SSL technology and stored on secure servers. All data transmissions are protected, and we follow strict security protocols to prevent unauthorized access.
Regulatory Compliance
NMLS #1697898 — Possible is licensed to lend in multiple states and complies with all state lending regulations. We're a Public Benefit Corporation, which means our mission to serve customers fairly is legally protected and independently audited.
Privacy & Data Handling
We never sell your personal information. Your data is used only to process your application, manage your account, and improve our services. You control your privacy settings and can request your data at any time.
Why You Can Trust Possible
4.8/5 Stars
Rated by 100,000+ users across iOS and Android app stores
Licensed & Regulated
Compliant with state and federal lending laws across all service areas
Mission-Driven
Public Benefit Corporation committed to fair lending and financial inclusion
Our Commitment to Transparency
Security isn't just about technology—it's about honesty. We tell you exactly how we protect your data, what we do with your information, and how you can control your privacy. If you have questions about how we handle your data or keep your account secure, we're here to answer them.
Questions about security? Email our support team anytime.