Possible Finance
Possible Loan is an installment loan, not a fee-free cash advance. You can borrow up to $500 in most states, repaid in four installments over about eight weeks. Possible charges a real finance fee that shows up as a triple-digit APR on its own site, and it reports your payments to credit bureaus.
$500
Max advance
None beyond the disclosed finance charge
Subscription
None
Credit check
The details
- Max advance
- $500 typical; up to $600 in DE, TX, UT, WA and $650 in FL
- Limit resets
- Other
- Mandatory fees
- None beyond the disclosed finance charge
- Interest
- APR ranges 136.60%-248.67% by state; most states land at 200.56%.
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- No
- Bank-link required
- Yes (Plaid and Yodlee)
- Instant transfer
- Typically within seconds
- Instant transfer fee
- Free in most states; a fee may apply in select states
- Tips
- None
- Eligibility
- You must be 18 or older and link a bank account via Plaid or Yodlee. There is no FICO check. Possible Loan is available in 34 listed states: AL, AK, AZ, AR, CA, DE, FL, HI, ID, IN, IA, KS, KY, LA, MI, MO, MS, MT, NC, NE, NV, NH, OH, OK, OR, RI, SC, TN, TX, UT, VT, VA, WA, WY. You repay in 4 installments over about 8 weeks.
Pros & cons
Pros
- Every on-time payment gets reported, so this loan can build your credit.
- No FICO check. Possible looks at your bank activity and income instead.
- You can push a payment back up to 29 days, fee-free.
Cons
- This isn't a fee-free advance. APR runs 136.60% to 248.67% by state.
- Miss a payment and Possible reports it, which can hurt your score.
- Only available in 34 states. Check if yours is one before applying.
Compare Possible Finance to other cash advance apps
| App | Editors' rating | Member rating | Max advance | Instant fee | Firstcard clicks (12 mo) | |
|---|---|---|---|---|---|---|
| — | — | $500 typical; up to $600 in DE, TX, UT, WA and $650 in FL | Free in most states | — | |
 | 4.7 | 5.0 (1 review) | $750 | Not published | 30,792 | Get Cash Advance |
 | 4.6 | 4.5 (3 reviews) | $750 | $3.99–$37.49 | 11,166 | Get Cash Advance |
 | 4.5 | 4.5 (2 reviews) | $500 | $2–$25 | 3,476 | Get Cash Advance |
Similar apps are picked automatically: same category, ranked by Firstcard editors' rating. Clicks are Firstcard members sent to each app in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- Borrow with a plan. Take an advance only for a specific, necessary expense, and know exactly which paycheck repays it before you tap the button.
- Don't stack apps. Using more than two cash advance apps at once is how the debt spiral starts. We don't recommend it, ever.
- Avoid instant fees. Express delivery is extremely expensive for the days it saves, see the APR math above. If a free delivery option exists, use it.
Relying on an advance every paycheck? Learn how these apps really work →
How Firstcard works
Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.
How we rate. Our editors' rating for a cash advance app weighs what it truly costs to use (the instant fee plus any required subscription, not the advertised “no interest”), how much you can actually get, how fast the free option delivers, what you need to qualify, and how repayment works. Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.
Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.
Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
