No Hidden Fees. No Late Fees. Ever.
Possible shows you exactly what you'll pay before you apply. No surprise charges, no predatory terms, no tricks. Just transparent pricing that respects your financial situation.
No origination fees
You won't be charged just for applying.
No late fees
Flexible repayment dates mean you're never penalized for needing more time.
No prepayment penalties
Pay off your loan early without extra charges.
Clear upfront pricing
Know your exact cost before you borrow. Pricing varies by state and loan amount.
Real pricing example
In Iowa, Possible Loan costs $20 per $100 borrowed, with a maximum fee of $60.
Borrow $300? You'll pay $60 in fees. That's it. No surprises.
Pricing varies by state. Check your state's rates in the app.
Possible Loan Pricing
See exactly what you'll pay before you apply. No surprises, no hidden charges.
How we calculate it: $20 per every $100 borrowed, with a maximum fee of $60 per loan in Iowa.
Loan Amount Ranges
Borrow what you need, up to the limits available in your state. Amounts vary based on your banking activity and income.
Typical loans range from $100 to $500, but availability depends on your state and financial profile.
Flexible Repayment
You choose your repayment date—pick a date that works with your paycheck.
No late fees. Ever. If you need more time, you can reschedule your payment without penalty.
Pricing Varies by State
Each state has different lending regulations. Your exact pricing depends on where you live and your loan amount.
Iowa example: $20 per $100 borrowed, max $60. Check the app to see your state's rates.
No Hidden Charges
The price we quote is the price you pay. Period.
No origination fees, no application fees, no processing fees, no prepayment penalties. Just transparent pricing.
How to Find Your State's Pricing
Download the Possible app (iOS or Android) or visit our website.
Enter your state to see exact rates and loan amounts available to you.
Get an instant decision on your loan amount and pricing when you apply.
Our Commitment to Transparency
We believe you deserve to know exactly what you're paying before you commit. That's why we show you the cost upfront, with no surprises, no fine print, and no hidden fees.
This is how lending should work. This is how Possible works.
Possible Advance Pricing
Access your earned wages without the cost of traditional payday loans. Possible Advance is designed to be affordable and transparent.
Simple Fee Structure
Possible Advance is designed to be more affordable than traditional payday loans. We offer flexible fee options so you can choose what works for your budget.
- Optional tip model: Pay what you can afford, not a mandatory fee
- No interest charges: Unlike payday loans, you never pay interest
- No hidden costs: What you see is what you pay
- No credit check: We don't check your credit score
How Much Can You Access?
The amount you can access depends on your employer and paycheck. Typically, you can access up to 50% of your earned wages before payday.
Example: If you've earned $400 before payday, you might be able to access $100–$200 through Possible Advance.
Possible Advance vs. Payday Loans
| Feature | Possible Advance | Payday Loans |
|---|---|---|
| Interest | None | 400%+ APR |
| Credit Check | No | Sometimes |
| Late Fees | None | Substantial |
| Repayment | Auto from paycheck | Lump sum due |
Automatic Repayment
Repayment is simple and automatic. Here's how it works:
- 1. You access your earned wages through the Possible Advance app
- 2. The amount is automatically deducted from your next paycheck
- 3. No additional action needed — repayment happens automatically
When Does Possible Advance Make Sense?
Paycheck Gap
You have a week or two until payday but need cash today for groceries, gas, or utilities.
Emergency Expense
An unexpected car repair, medical bill, or home expense comes up before your next paycheck.
Avoid High-Cost Debt
You want fast cash without predatory payday loans or credit card advances with high interest.
Availability
Possible Advance is available in most U.S. states. Availability depends on your employer's payroll system and your state's regulations.
To check your eligibility: Download the Possible app and connect your payroll information. We'll show you exactly how much you can access.
Get Started Today
Ready to access your earned wages? The Possible app makes it simple and takes just a few minutes to set up.
We're Transparent About Costs
Possible Advance is designed to be more affordable than payday loans and other alternatives. We never hide fees or surprise you with unexpected charges. What you see in the app before you access funds is exactly what you'll pay.
Where Possible Is Available
Possible operates across the United States, but availability, pricing, and terms vary by state due to local lending regulations. Here's what you need to know.
Available in Most U.S. States
Possible Loan and Possible Advance are available in multiple states. The exact products and terms available in your state depend on local lending regulations and licensing requirements.
Check Your State in the App
The fastest way to see what's available for you is to download the Possible app and enter your state. You'll instantly see which products you can access and exact pricing for your location.
State-Specific Details
Iowa Example
Possible Loan: $20 per $100 borrowed, with a maximum fee of $60. Flexible repayment dates with no late fees.
Possible Advance: Access earned wages before payday with automatic repayment from your next paycheck.
Note: Pricing and terms for other states may differ. Your exact rates will be shown during the application process.
Why Terms Vary by State
Each state has different lending regulations, interest rate caps, and licensing requirements. Possible complies with all local laws, which means:
- Maximum loan amounts may differ based on state law
- Pricing (fees and interest rates, if applicable) varies to comply with state caps
- Product availability — some states may only offer Loan or Advance, not both
- Eligibility requirements may include state-specific income or employment rules
Regulatory Compliance & Licensing
NMLS License
Possible is licensed with the Nationwide Multistate Licensing System (NMLS #1697898), ensuring we meet federal lending standards and consumer protection requirements.
State Lending Licenses
We hold lending licenses in the states where we operate. Each license demonstrates compliance with that state's specific lending laws and consumer protection standards.
Public Benefit Corporation
Possible is incorporated as a Public Benefit Corporation, meaning we're legally accountable to our mission of fair, accessible lending — not just shareholder profit.
How to Check Your State's Availability
Download the Possible App
Available on iOS (App Store) and Android (Google Play).
Enter Your State
When you start the app, you'll be asked to select your state. This instantly shows availability and pricing for your location.
See Your Options
View which products (Loan, Advance, or both) are available, exact pricing, and loan amounts you may qualify for.
Frequently Asked Questions
What if my state isn't listed as available?
Possible is actively expanding to more states. Check the app regularly for updates. If your state isn't currently available, you can sign up for notifications when we launch there.
Can pricing change after I apply?
No. Once you apply, Possible locks in your exact pricing. You'll see the full cost—including any fees—before you accept the loan. There are no surprises after approval.
Why is the maximum loan amount different in my state?
State lending laws set caps on loan amounts and fees to protect consumers. Possible respects these limits, which is why you might see different maximum amounts depending on where you live.
How do I know Possible is licensed in my state?
You can verify Possible's NMLS license (#1697898) at the NMLS Consumer Access website. You can also check your state's financial regulator for state-specific license verification.
Can I move to a different state and keep my account?
If you relocate, contact Possible support via email at support.possiblefinance.com. They'll help you understand what options are available in your new state.
Ready to Check Your Availability?
Download the Possible app to see exactly what's available in your state, including pricing and loan amounts you may qualify for.
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