Possible: Fast Cash & Credit

Name: Possible: Fast Cash & Credit
Rating: 4.8373 (80361 reviews)

Finance

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Possible: Fast Cash & Credit

Finance

4.8

80.4K ratings

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Possible Financial Inc

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User Reviews for Possible: Fast Cash & Credit

Genuinely saved me from being stranded

So I downloaded Possible for the same reason you’re all thinking about it and was quickly approved for a $100 loan. The fees are higher than something like the Dave app for example (can you tell I’m an idiot with my money so I have to use these embarrassingly frequently) because whereas other apps are pay in full on your next payday style loans, Possible lets you pay back over a few weeks so you’re not fighting to keep your head above water every week. This isn’t even the main point though. Today, bc of a Vegas vacation and various acts of god, I’m on a quarter tank of gas with 30 cents in my account and have to get home from work. Possible has a feature that will file requests for refunds on overdraft fees on your behalf. Your press the button to do it, the claim is filed, set it and forget it. I just checked my bank account and have $32 bc Possible came through at the best /possible/ time. It would be better if I had enough self control that I didn’t need apps like this, but since I do, Possible is my first choice now. Thanks dudes.

Badwolf74, Jul 20, 2021

The app idea great but is constantly broken

This app was amazing the first time I used it. I needed an emergency loan and I literally had all the money I needed in my account within 15 minutes. The payments were easy, I could reschedule with no problems, and it boosted my credit! But now, I needed to pull another loan for a backup for a trip thinking it wouldn’t be a problem, however I kept getting errors in the state selection screen saying “ oops! We are having problems”....that was almost two weeks ago...Since then, nothing has been fixed and I even emailed asking what the problem was. They messaged me back saying they are updating in the California section of the app and cannot Lend to CA residents till it’s fixed(and also said she did not know when it will be fixed in a seemingly passive aggressive way) it was totally understandable at first. Every app has problems and sometimes needs updating. But two weeks??? And on top of that, now It’s giving me log in errors too! What if I had a payment due today and couldn’t even log in to pay it off?? I love this app, the idea of it is amazing and it helps a lot of people in emergency situations and (IMO the best part), it builds credit! But the functionality is horrible and very disappointing. I would rate this app 10 stars if I could, but I have to give it a 2 due to all the problems :/ Come on guys, you would blow all the other money lending apps on here out of the water if you could just figure out your app problems!

Big Pookue, Aug 05, 2019

Great terms! PLZ update for Blind to get more biz!!

For Blind users like myself, Please update app to include labels on checkboxes when accepting agreements at end and thruout application!It took me a extra hour to figure it out but most blind applicants would give up in just a few minutes! Since I am a blind Veteran advocate for disabled Vets it is my duty to report your app as not compliant with ADA regulations until you fix this and allow 6% of American borrowers to more easily use your service. That would make good business sense! When an app becomes easy to use for the blind the word gets around fast in the now tech trained blind who use accessable device tech!Your app developers can fix this in minutes to properly label check boxes. Also the slider at the final “accept money” requires the blind useing screenreaders to do a 1 finger double tap and hold on the <> symbols and then drag to right until it sticks on right. I suggest you change that to an actual slider button with a little instruction to seal the deal..I am taking time to write this totally blind using my talking accesable Iphone which the blind use these days instead of braille. Your biz can only increase and you will become top recommended if you dont waste this time I dedicated to your service which I like.I will wait 60 days before filing a report to Federal Compliance (by the time I pay off this first loan).Thanks and have a great day!!

blind bat 20 20, Jan 16, 2022

Don’t do it! It will ruin your credit!!!!

I never write reviews... EVER! But I wanted to make sure to write this one to at least put the warning out there so that someone else’s credit isn’t ruined as well. I tried this app out because I was in between jobs (two weeks off) and thought it might be an easy solution to get my by, and definitely seemed easier and cheaper than doing a payday loan, it has been the complete opposite. First off, my email changed because of work and I was unable to update it on their site, so I contacted support.... four days later, a general response instructing me how to change it. I followed those instructions, still can’t log in. Contact support for help logging in... countless back and forth emails about “screenshots while it’s happening” and all this, which I sent eagerly... still nothing. Asked for a phone call, numerous times, like the site says... no phone call. It’s been two months of trying every day to get into my account.... still can’t log in, still can’t talk to a live person, and now I’m two months late on my payments. Tried to pay over the phone so I can just get rid of it, nope, they don’t do that. You call the “customer support” number and they say that they’re not answering the phone “so they can serve customers to the best of their ability”. The entire thing is a joke! Save yourself......

CaptainNickolas, Sep 28, 2020

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:)

GreetingsEarthlings, Sep 12, 2020

My time feels wasted.

Hello Possible Team, My loan was finally processed 5 business days later, i applied for another loan, the problem is it was only for $50 again, i declined it. This would be the 3rd $50 loan I’ve taken (if i did) in a row with no increase. I really would like to use your product, but a $50 loan is not beneficial to me, i have much better options to build on credit with. Could you please increase my loan for much higher than $50 or i will have to declare your product useless to me and will be forced to remove the app. I have over $30,000 in available credit, i can’t do anything with $50. If my limit can’t be increased, i would like to terminate my relationship with Possible effective immediately please. Hopefully we can come to a swift resolution immediately. Looking forward to your response.Response to developer:That doesn’t make any sense. You’re not loaning out 10 grand, you’re loaning out $500, with time to pay back, Earnin does that. Your algorithms are truly messed up. I make almost 70 k a year, I’m not taking money out because i need it, I’m taking it to improve credit, did you not read my current availabile credit up top ? Smh, deleting the app… It’s useless…

Hfhjjvcjk, Jul 21, 2021

Don’t even think about it

I don’t think I’ve ever written a negative review of a company but I am now. Last year my credit took a hit because I was out of work. I read about Possible and thought it sounded like a good, and easy, way of getting a boost to my credit score. I applied for, and accepted, a small loan that I paid back in full with ease — no late payments or issues. They did report to all three credit bureaus as promised that helped raise my score a few points. For that reason I took out a second loan hoping to increase my credit score by a few more points. A few days ago I got alerts from the credit bureaus that there was a negative strike on my reports and my credit score dropped by 30 points. Turns out Possible Finance reports your account as CLOSED upon full loan repayment. They don’t do anything about it either—I contacted support and received a canned response apology stating they don’t have control over how the credit bureaus interpret the reporting. I’m now completely screwed because, after repayment of my new loan, expect my credit score to drop another 30 points. I’m physically sick over this as I’m out of work due to COVID and now my credit is destroyed. I reported them to the BBB in the hopes something can be done to erase these marks and make this entire experience go away.

HickH8ter, May 04, 2020

It’s good until you pay it off.....

A friend of mine told me about this app and how quick and easy it was to get a loan. I’ve had my share of payday loans and really didn’t want that hassle or headache again. A time came when I really needed the cash so I took a chance and applied. The application process was really quick and I got an approval response lightning fast. The option to get the money instantly to your debit card (free option for now) is also another easy convenience of this loan. I tend to do better with payments when they auto draft from my account so it keeps my payments on time. All was good my score was going up every time I made a payment. When it got to the 3rd payment, my score updated tremendously. I was stoked.....it wasn’t until the last payment status hit my credit that I noticed a major drop in my score over 100 points on Credit Karma. Possible will report the account “closed” after your last payment and “closed” accounts will always negatively affect your score. So the increase I thought I had was actually none existent. If you’re in a hard spot and need quick cash go for it. As far as building positive credit history don't bank on much. Only benefit is you can increase your loan amount after you’ve paid successfully.

Jaymiss84, Oct 03, 2020

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!

lee9422, Sep 11, 2019

Stay Away

These guys are really bad! Stay away. So I had a loan from them For $90 thinking I was a payday loan not an actual loan. It was broken down to 4 payments every two weeks. I made one payment on due date then on my next due payment I had a problem by my bank account so I reschedule for a later date because there was an option for another 2 weeks later. By the next due date I still had a problem with bank account so I try to reach them so I can cancel my payment I can send them a money order but they did not respond. They responded after my bank declined it so I got a fee from my bank. So I told them I would send a money order for remaining balance. They told me that they will mark my account as paid off and on time. One week later I get a email saying there will be a payment due and coming out of my account. I email them that I had paid this account in full, got a response saying don’t worry it was a computer error it won’t charge your account, but it did so I got another fee from account. After I had paid this off. And I found out the next week they reported my credit report being 30 days late after they told me it was paid off and on time. So I emailed them, they told me that they made a mistake and that by law they had to report as being 30 days late. After they told me it was paid off and on time. I have evidence on my email about all this so please stay away from this application they are bad business!

rubiben, Jul 08, 2019

Description

Access fast and affordable money, build credit history, and fight bank fees. Borrow up to $500¹ 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! INC. “50 World-Changing Startups to Watch in 2019” TECHCRUNCH “Possible is helping people on the lower end of the credit spectrum improve their financial outlook without being predatory.” **GET MONEY FAST** 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. **BUILD CREDIT HISTORY** 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? **FIGHT BANK FEES** 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. **MORE TIME TO REPAY** Compared to other short-term borrowing options, you have much more time to repay² 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. **GOOD CREDIT NOT REQUIRED** 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! **WHAT PEOPLE ARE SAYING** “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 **WHY WE CARE** 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. 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. **AVAILABILITY** Possible Finance is currently available to Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, and Washington residents. ¹Max amounts vary by state and subject to lender approval ²Loan structure varies by state. For example, in California, a single payment loan can be converted into multiple payments. Funding typically occurs within minutes of approval but can take up to five business days. In some states, Possible Finance installment loans are issued by Coastal Community Bank, member FDIC, subject to approved underwriting practices. California Residents: Possible Financial Inc. dba Possible Finance is licensed by the Department of Financial Protection and Innovation, pursuant to the California Deferred Deposit Transaction Law, license #10DBO-105848. Ohio Residents: License ST.760161.000. 2231 1st Ave., Seattle, WA 98121