Plus Membership ▪︎ Possible Finance
Loan
Get up to $500^ fast*
Members can borrow money fast. We don’t check your FICO score. Pay it back over time in 4 installments.
Bill & Rent Reporting
Build credit history
Report rent and bills to TransUnion as part of your membership. Rent reporting can boost credit scores by up to 26 points if you’re starting with a score below 670.
Source: TransUnion
Coach
Get spending insights
Find out where your money is going and how to save. Get exclusive access to Coach, our AI assistant, as a member.
Start for free
Get great benefits with a Plus plan
Loan
Get up to $500^ cash in seconds*
Get funds straight to your bank account and pay it back over time. No FICO check.
Optional instant* delivery
Guaranteed 35.99% APR
Repay in installments
Move payments up to 29 days from the original due dates—no penalty
Build credit history: every payment is reported to two bureaus, TransUnion and Experian
Bill & Rent Reporting
Build credit history with your existing bills
Get your bill and rent payments reported to TransUnion.
Build credit history with the payments you’re already making
Plus: up to 2 years of past payments included, free
Only on-time payments get reported
Coach
See where your money is going and find ways to save
Ask Coach, our AI assistant, a question and get an answer that’s specific to your finances.
Spot spending patterns before they become problems
Compare this month to last—no spreadsheet required
Safe and private using your secure bank link—we’ll never sell your data
7 day free trial~, then
$14.99/month
7 days free~ to see eligibility
Personalized to your finances
No penalty fees, ever
Cancel anytime
What the free trial~ includes
Your $14.99 monthly membership activates if you accept a loan, add a bill for credit reporting, or after the first 7 days—whichever comes first.
Frequently asked questions
What is the Plus plan?
Plus is a monthly membership plan from Possible Finance that gives you access to a personal loan, credit-building tools and bill & rent reporting—all in one place.
How much does Plus cost and how does the free trial work?
To get started with Plus, sign up for a free 7-day trial to explore your eligibility before you're charged anything. Your trial ends after 7 days, or sooner if you activate a loan or initiate credit reporting, whichever comes first.
How does the loan work?
When you have a Plus membership, you can access loans. You check your eligibility directly in the Possible app during your 7-day trial.~ If you activate your offer and get approved, funds can be deposited the same day with Instant Delivery.
What’s included in a Plus membership?
A Plus membership includes three core benefits: access to a personal installment loan at 35.99% APR, credit-building through reported on-time payments, bill & rent reporting so your monthly rent payments count toward your credit history, and access to personalized insights with Coach, our AI assistant.
Do I need to take out a loan to be a Plus member?
No, a loan is one benefit of your membership, not a requirement. With Plus, you can use credit-building and rent reporting features without ever borrowing.
Can I cancel the Plus plan?
Yes, you can cancel your Plus plan anytime. Cancel within your free 7-day trial before you activate a loan or credit reporting, and you won't be charged.
Is Plus available in my state?
Plus is currently available in Mississippi and Oklahoma. Availability is expanding, so if it's not in your state yet, it may be coming soon.
How is a Plus membership different from a regular personal loan?
A standard personal loan is a one-time transaction. Plus is an ongoing plan that bundles loan access at 35.99% APR with credit-building and rent reporting, plus access to Coach, for $14.99/month.
What happens to my loan if I cancel Plus?
Canceling your Plus plan only affects future access to Plus benefits. It does not discharge, pause or modify any existing loan obligation.