Possible Finance reads the income and activity in your checking account rather than pulling a FICO score, so looking costs you nothing — not a dollar and not a point.
One flat fee, fixed before you accept. No compounding interest and no application charge. A $2,000 loan over 12 months carries a $350 fee — $195.83 a month, $2,350 in total, and it cannot grow afterwards.
No hard credit check to see your rate. Approval runs on your deposits and balance history, not a three-digit score. There is no minimum score anywhere in the decision.
The loan ends, and we mean it. Six, twelve, eighteen or twenty-four equal payments with a final date on the schedule. No rollovers, no renewals, no refinancing an old balance into a bigger one.
Good months count for something. On-time payments are reported to all three bureaus from month one, so repaying builds history instead of only costing money.
Encrypted in transit · no hard credit pull to check · we never sell your personal information — see the privacy policy and full requirements.
Checking your rate involves no hard credit inquiry and will not affect your credit score. Approval is not guaranteed and depends on your income, banking activity and state of residence — meeting the requirements above means you are eligible to apply, not that you will be approved. Amounts, terms and the maximum cost of credit vary by state. The loan itself, and every payment on it, is reported to all three nationwide credit bureaus. Full pricing is on rates and fees; the required consumer disclosures are on disclosures.
Representative example: a $2,000 loan repaid over 12 months carries one flat fee of $350.00. You repay $195.83 a month for twelve months, a total of $2,350.00. Representative APR 30.9%.