Possible Loan beats Brigit—get up to $500^ with more $0 perks

Get the cash you need with free instant* transfers. Plus, build your credit history without a monthly subscription.

Kiasha, Medical Triage

Member since 2022

Unlock payment freedom beyond Brigit

Borrow better with Possible Loan

With Possible Loan, you borrow cash and repay in installments over time. Brigit Instant Cash is an early paycheck advance that you repay in one lump sum, usually on your next payday. Here are all the ways Possible Loan is different:

Get more without a subscription

With Possible Loan, you’ll get free instant* transfers and flexible payments with no subscription cost—unlike Brigit Instant Cash.

Unlock up to $500^

When life’s bigger expenses come up, Possible Loan gives you access to more cash on average~—unlike Brigit Instant Cash. That means more peace of mind.

Repay on your terms, not theirs

Life happens. Possible Loan gives you a flexible installment plan, and you can move your payment date up to 29 days out from your original due date.

Build credit history

Your on-time payments get automatically reported to two credit bureaus every time. Brigit Instant Cash doesn’t do that.

Repayment Details

Repay in 4 installments over 8 weeks

Repay in 1 lump sum

Speed of Transfers

Free instant* transfers

No free instant transfers without a premium monthly subscription

Pricing

Upfront pricing with no extra fees, tips or penalties

Charges a monthly subscription fee plus extra fees for express transfers

Credit Reporting

Builds credit history by reporting to two bureaus

Does not build credit history

Access

Bad or no credit OK

Bad or no credit OK

We believe in transparent pricing

When you apply for a Possible Loan, you’ll see exactly how much it will cost before you commit—no hidden fees or surprises. Use our calculator below to see a sample loan cost.

Your state

You borrow

$200

In Alabama it's $20 for every $100 that I borrow.

WithPay Over Time, I can pay $240 back over eight weeks.

Week 2

$60

Week 4

$60

Week 6

$60

Week 8

$60

The information provided by the Real Cost calculator is for informational purposes only and does not constitute an offer. Loan terms are subject to eligibility. Loan costs are rounded up to estimate these approximate payments. Loan costs vary by state.

Relief Plan for emergencies

If you have a qualifying event, we’ll work with you on a customized Relief Plan so you can adjust payments beyond the usual grace period—support Brigit Instant Cash doesn’t offer.

Frequently asked questions

Should I choose Possible Loan or Brigit Instant Cash for access to a larger amount of money with more flexible repayment?

For access to a larger amount of money on average with more flexible repayment, Possible Loan offers up to $500^ with flexible payments in four installments¨, giving you control over how you pay it back. Brigit Instant Cash offers a credit-based extension system with a limit on how many extensions you can earn.

How does Possible Loan’s payment flexibility compare to Brigit Instant Cash’s extension credits?

With Possible Loan, you can reschedule each of your four installment payments up to 29 days out from the original due date without a penalty fee. Brigit’s Instant Cash payment flexibility uses a credit system, where customers earn limited extensions through on-time payments.

If I need more time to repay my loan, is Possible Loan or Brigit Instant Cash more accommodating?

Possible Loan is more accommodating because it’s built around a flexible installment plan and unlimited payment rescheduling. Possible Loan also offers extra time to pay with our Relief Plan for a qualifying hardship. Brigit’s Instant Cash extension credits mean you have less control over your repayment timeline.

Can I get free instant cash transfers with Possible Loan and Brigit Instant Cash?

With Possible Loan, instant* transfers are always free. With Brigit Instant Cash, you pay for a premium subscription ($15.99/month) to get free express transfers; otherwise, you may pay a fee of up to $5.99 for faster access to your cash.

How is Possible Loan pricing different from Brigit’s pricing?

Possible Loan gives you access to all services—including fast transfers, credit history building and payment flexibility—without a monthly subscription fee. Possible Loan has one upfront finance charge. Brigit requires customers to pay a monthly subscription fee for access to most features.

How does credit reporting with Possible Loan differ from Brigit’s Credit Builder?

Possible automatically reports your payment history to two major credit bureaus as a built-in feature of the loan. Brigit’s Credit Builder is an optional, separate product from Brigit Instant Cash that requires a paid monthly subscription (either Plus at $8.99 or Premium at $15.99).

Do I need a good credit score to access Possible Loan?

No. You don’t need a good credit score to apply for a Possible Loan or to start building credit history. Possible doesn’t check your FICO score when you apply and reports your payment history to two credit bureaus, so you can build credit history from the ground up.

Send instant cash right to the bank account you choose

All products are subject to eligibility and approval by Possible Financial Inc. dba "Possible Finance" and "Possible" or its banking partner Coastal Community Bank. Eligibility for a product is not guaranteed.

For Loans, Possible Finance has direct lending licenses in AK, CA, HI, ID, UT and WA. Idaho Residents: License #RRL-10073; Louisiana Residents: License #1697898; Nevada License #CDTH11200; Ohio Residents: License #ST.760161.000; Washington License #530-CC/SL-111888. California Residents: Possible Finance is licensed by the Department of Financial Protection and Innovation, pursuant to the California Deferred Deposit Transaction Law, License #10DBO-105848.

Loans in AL, AR, AZ, DE, FL, IA, IN, KS, KY, LA, MI, MO, MS, MT, NC, NE, NH, NV, OH, OK, OR, RI, SC, TN, TX, VA, VT, and WY are made by Coastal Community Bank, and serviced by Possible Finance. Texas Residents: Possible Finance is a licensed Credit Access Business; License #1800061850-160823.

*Funding typically occurs within seconds; ACH transfers take 1-2 business days. Instant Delivery fee may apply in select states.

^Loan amounts & structure vary by state. Max amount not typical.

¨See possiblefinance.com/samplepaymentschedules for rates & terms examples.

ˇReal customer compensated. Results may vary.

˘Possible Loans offer up to 29 days of payment flexibility from original due date.