Access fast and affordable money, build credit history, and fight bank fees. Borrow up to $500* in minutes even with bad or no credit. Repay in installments to build your credit history and improve financial health. Reduce overdrafts and recoup your hard-earned money. Join over a million users who are avoiding predatory lenders and using Possible to make financial fairness a reality!

“50 World-Changing Startups to Watch in 2019”

“Possible is helping people on the lower end of the credit spectrum improve their financial outlook without being predatory.”

Applying is easy and takes under a minute. Once approved, funds can be sent instantly to your debit account so that you can immediately access the money.

We report repayments to TransUnion and Experian, allowing you to build your credit history and graduate to better financial tools. Shouldn’t you be rewarded for reliably paying on time?

Prevent costly overdraft fees and reclaim your hard-earned money. Banks drain your account when you can least afford it. We’ll help you get it back.

Compared to other short-term borrowing options, you have much more time to repay** and each payment is in manageable chunks so you can catch your breath. Can’t make your next payment? Reschedule it directly in the app.

We don’t check your FICO credit score so we can approve even those with bad or no credit score. Our app links directly with your existing bank account to help make an intelligent decision. No need for additional paperwork to verify income. This is great for contractors or gig economy workers!

“I have a hard time even finding words that accurately describe how pleased I am with the service provided by Possible Finance...It’s like borrowing money from a good friend that increases your credit score! Seriously the best experience I’ve ever had with a lender and being app/mobile based just adds convenience to an already perfect transaction! I will not go anywhere else for installment loans from now on! 110% recommend it!” -Nellyville107, 8/25/18

“I love Possible Finance! After going through a rough patch in life about 3 yrs ago, my credit got hit big time. I’ve been working on building up recently...and my credit has gone up since then. I got an email from Possible stating I was now pre-qualified!...I’m happy a company finally believes in me again. Also, knowing there is a 29 day grace period is comforting. Thank you Possible!” -Shannon, 12/13/19

Life isn’t easy and the current financial system makes it harder for all of us. Banks have abandoned some communities altogether and predatory lenders trap people in vicious debt cycles. Wealth is in the hands of the few and access to financial opportunity is unequally distributed. Wealth is in the hands of the few and access to financial opportunity is unequally distributed. We don’t think that’s fair. At Possible Finance, we fight for financial fairness and empower you to improve your financial health. Together, let’s build a fairer tomorrow.

Possible Finance is currently available to California, Texas, Florida, Ohio, Washington, Idaho, Louisiana, and Utah residents. We're quickly launching in additional states, and you'll be added to the waitlist for your state by signing up.

*Max amounts vary by state and subject to lender approval
**Loan structure can vary by state. For example, in California, a single payment loan can be converted into multiple payments.

What’s New

Version 2.1.2

Bug fixes

Ratings and Reviews

4.8 out of 5
50.1K Ratings

50.1K Ratings

usuasvisjanalakhyfcv ,

Still have Issues

I rated five stars because this app a great service to people who need it. It’s hard to get a loan now a days without getting charged an insane rate. The four payments are reasonable because if you can’t pay it back what’s the point of getting the loan in the first place? All the negative comments are about issues that has nothing to do with the service and are personal issues! But I’m here to ask why I can’t approved again for a loan I PREVIOUSLY was approved for?? $750 I even took screenshots to show the support team and only got a $150 loan as compensation, still took it because I’m just building credit easily and can make my payments. Yet paid off $250 before that. Im willing to invest a lot of money into this app for my credit. I’m a self contracted ex military veteran and now get paid in cash mostly. I know it goes off income from the bank but why can’t I get approved for the same $750 loan when I’ve had no previous issues paying off loans? I prefer cash in hand and even started to deposit about 1.5k a week to show bank activity but take it out to have in my safe at home. This is now my third loan and using only to build my credit and the convenience of having my spending money whenever I want. Amazing app for quick cash but the developers should take into account people here with good intentions to build credit and not in hardship. Maybe something like a loyalty program for the people who pay on time and had several loans. Just a thought.

GreetingsEarthlings ,

Easy Peasy!

This app was recommended to me by Credit Sesame. I had a BK after my divorce about six years ago. Once it was discharged, I was hit by tons of credit offers- not the best for someone fresh out of debt. Between that, medical bills, having my second child and tons of life events (you know how it goes- when it rains, it pours), I was struggling a bit and it affected my credit score greatly. COVID has been another kick in the shins too. Anyways, I’ve been working extremely hard to raise my score the past nine months and Possible does just that- and it’s EASY! Best part is it’s not a hard hit to your credit. Possible is similar to Self (which I also highly recommend & love!). Possible & Self are amazing apps. They help those of us that are trying to improve, but conventional credit cards don’t trust us bc we made some mistakes. They give you and inch and it’s up to you to take it a mile and make it work for you. I’m appreciative for any help offered that helps me dig out of this trench. Slowly but surely, I’m almost back in the mid 600’s. I’m excited to see how much Possible helps me. The application process was a cinch- took less than five minutes. Money gets deposited within an hour! Sure, it may not be much, but that’s not the point. Possible is designed to help improve your credit score. In turn, you pay maybe 20% on top in fees. But to me, $40 is worth it for some extra cash & a possible improvement in my credit report. Thank you, Possible:)

Developer Response ,

Thanks for your review! We're so happy to hear we've been able to help you on your credit building journey!

lee9422 ,

Best loan company!

I first found out about possible finance thru an instagram ad, I was weary about it but I did a lot of research and and read plenty of great reviews, I needed extra funds to pay rent so I decided to give it a try, I have horrible credit unfortunately and quickly got approved for the exact amount I asked for $200 (deposited next day) the payment plan was perfect total of 4 flex-pays drafted on each payday for 2 months with a fixed yet reasonable interest fee, after making my first 2 payments my score went up nearly 46 points!!!! Honestly I never thought I would have let my score drop down tremendously and seeing the # raise up definitely something I’m so happy and excited about, this company has been a blessing, I’ve read some “not so great” reviews but to be quite honest this company started not long ago as far as I read, and working for a company myself that is starting new departments within, new companies are bound to have some downfalls as they’re building up, don’t let those negative feedbacks stop you from trying this company out, possible finance will be my go too when I need a small loan, especially to help fix my credit!

App Privacy

The developer, Possible Finance, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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