Possible Loan
People with thin or no credit who need up to $500 fast. You must be able to repay it in about two months at a triple-digit APR, and you want on-time payments reported to credit bureaus.Facts verified September 11, 2026
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 typical; up to $600 in DE, TX, UT, WA and $650 in FL
Max advance
None beyond the disclosed finance charge
Subscription
None
Credit check
Free in most states; a fee may apply in select states
Instant fee
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 is reported to credit bureaus, so a Possible Loan can build credit history. Most no-credit-check cash advances never touch your credit file at all.
- There is no FICO check to apply. Possible reviews your bank account activity and income pattern instead.
- You repay in four fixed installments over about eight weeks, timed near your paydays. That is not one lump sum due on your next payday.
- You can push a payment date back up to 29 days with no rescheduling fee.
- Possible charges no late fees and no hidden charges beyond the disclosed finance fee.
- You can get your money in seconds in most states.
Cons
- This is not a free cash advance. Possible discloses an APR between 136.60% and 248.67% on its own site, depending on your state.
- Delaware, Missouri and Texas cost the most. Possible publishes a 248.67% APR there on a $500 to $600 loan.
- Possible Loan is available in 34 states, direct from Possible in AK, CA, HI, ID, UT and WA, and through Coastal Community Bank in the rest. If you live elsewhere, you cannot apply.
- Possible calls its charge a fee, not interest. Its own payment schedule still shows a triple-digit APR.
- Possible reports your payments to credit bureaus, including if you pay late. A late payment can hurt your score instead of helping it.
- Possible advertises free instant delivery, but its own fine print says a fee may apply in some states. It does not say which states or how much.
