Possible Loan vs. Earnin ▪︎ Possible Finance
Possible vs EarnIn
Possible Loan gives you more time to pay. EarnIn bugs you to tip.
Tired of EarnIn Cash Out’s instant transfer fees? Get the cash you need now, more time to pay and a chance to build your credit history at Possible, all hassle-free.
Amy, Office Manager
Member since 2020
Ditch those EarnIn Cash Out tip requests
Borrow better with Possible Loan
With Possible Loan, you can borrow cash and pay it back in installments over time. EarnIn Cash Out is an early paycheck advance you repay in one lump sum on your next payday. Here are all the ways Possible Loan is different:
- Free instant transfers:* Get cash in minutes with Possible Loan, day or night, with no instant transfer fee. Plus, you’ll always get the full amount you qualify for right when it’s offered, unlike with EarnIn Cash Out.
- Pay on your time, not next payday: Unlike EarnIn Cash Out, Possible gives you 8 weeks¨ to pay in easy installments. Plus, you can move a payment up to 29 days out from the original due date with no rescheduling fee.
- See your total cost upfront: Possible is transparent about the cost of your loan. You’ll never be hit with optional tips for instant cash like EarnIn Cash Out does.
- Build credit history: At Possible, your on-time payments get reported to credit bureaus. You deserve a loan that helps you build credit history, something EarnIn Cash Out won’t do.
Summary
Details
| Feature | Possible Loan | EarnIn Cash Out |
|---|---|---|
| Repayment | 4 installments¨ over 8 weeks | 1 lump sum on payday |
| Speed | Free instant* transfers | Does not offer free instant transfers |
| Pricing | Upfront pricing with no extra fees | Asks for tips and charges fees |
| Credit Reporting | Builds credit history | 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.
Example Loan Calculation
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 EarnIn Cash Out doesn’t offer.
Frequently asked questions
Should I choose Possible Loan or EarnIn Cash Out for access to a larger, more flexible cash option?
For a larger loan, Possible Loan offers up to $500^ in a single transaction with flexible payments in four installments¨. EarnIn's Cash Out product allows you to access a maximum of up to $1,000 per pay period from your earned wages, but this amount is limited by a daily max of up to $150 in most states. Accessing the full pay period amount requires multiple withdrawals. Standard transfers (1-3 business days) are free; however, if you want the funds instantly, you must pay a Lightning Speed fee (starting at $3.99 per transaction) each time you make a withdrawal. (Source: EarnIn Help)
How does the Possible Loan’s payment flexibility compare to EarnIn’s Cash Out repayment?
With Possible Loan, you can reschedule each of your four installment payments up to 29 days out from the original due date, with unlimited reschedules and no penalty fees. EarnIn’s Cash Out repayment is a single automatic debit on your next payday. While you can reschedule the debit once every 60 days, it is not as flexible as Possible's plan. (Source: EarnIn Help)
Can I get free instant cash transfers with Possible Loan and EarnIn Cash Out?
With Possible Loan, instant transfers are always free. EarnIn charges a Lightning Speed fee that starts at $3.99 per transaction for Cash Outs. (Source: EarnIn Help)
How is Possible Loan pricing different from Earnin's pricing?
Possible Loan gives you access to all services—including fast transfers, credit history building, and payment flexibility—without asking for tips. Possible Loan has one upfront finance charge. EarnIn's Cash Out service charges fees and asks for optional tips. (Source: EarnIn)
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.