The mid-size loan from Possible Finance, spread over months, with a term you choose so the monthly figure fits your budget. One flat fee, fixed from the day you accept, and every due date shown before you agree to anything.
Pick an amount and a term. The fee is fixed at the moment you accept and does not grow if a payment slips.
An estimate for illustration only. Your exact fee, term and APR are confirmed before you accept, and they vary by state. Checking your rate is free and won’t affect your credit score.
The Installment Loan sits between a small emergency top-up and a larger consolidation. It works best for a cost you can name, at an amount you could clear inside a year and a half.
A transmission, a boiler, a roof leak — the kind of bill that arrives whole rather than in instalments, and that costs more the longer it is left.
Two or three smaller debts on different dates become one payment on one date, which is easier to plan around even when the total is similar.
First month, last month and a truck usually land in the same week. Spreading that over a term you choose keeps the rest of the month intact.
$2,000 borrowed over 12 months with a flat fee of $350. Payments are equal, on dates you pick before you accept, and the balance only ever goes down.
| Payment | Amount | Goes to fee | Goes to balance | Remaining |
|---|---|---|---|---|
| 1 | $195.83 | $29.17 | $166.66 | $2,154.17 |
| 2 | $195.83 | $29.17 | $166.66 | $1,958.34 |
| 3 | $195.83 | $29.17 | $166.66 | $1,762.51 |
| … | payments 4 to 10 are identical | |||
| 11 | $195.83 | $29.17 | $166.66 | $195.87 |
| 12 | $195.87 | $29.21 | $166.66 | $0.00 |
| Total | $2,350.00 | $350.00 | $2,000.00 | — |
The final payment carries four cents of rounding, which is normal on any equal-payment schedule. Nothing accrues in between, so clearing the loan in month five costs the same $350 fee — and no more.
We look at your income and banking activity rather than a credit score, so the bar is deliberately low.
Same flat-fee structure across all three. The difference is the size and how long you have.
| Starter Loan | Installment Loan | Plus Loan | |
|---|---|---|---|
| Amount | $200 – $1,000 | $1,000 – $3,500 | $3,500 – $5,000 |
| Terms | 6 or 12 months | 6, 12 or 18 months | Up to 24 months |
| Example | $500 over 6 mo | $2,000 over 12 mo | $5,000 over 24 mo |
| Monthly | $90.63 | $195.83 | $281.25 |
| Flat fee | $43.75 | $350.00 | $1,750.00 |
| Total repaid | $543.75 | $2,350.00 | $6,750.00 |
| Representative APR | 29.4% | 30.9% | 30.7% |
Not sure which fits? The full calculator covers the whole $200 to $5,000 range in one place.
Between $1,000 and $3,500. What you are offered depends on your income and banking activity rather than a FICO score, and the ceiling varies by state. Smaller amounts are covered by the Starter Loan.
Pick the shortest term whose monthly payment you can carry without straining. A longer term lowers the monthly figure and raises the total fee, and the calculator above shows both numbers at once.
No. The review is the same whether you ask for $1,000 or $3,500 — income and banking activity, never a hard FICO inquiry. Amount does not change the kind of check we run.
Yes, at any time, with no prepayment penalty. Because the fee is flat rather than accruing, clearing it early does not reduce the fee — but it never costs you extra either.
Yes. An upcoming date can be moved in the app without a late fee, and over twelve to eighteen months most people do it at least once. Doing it before the payment attempts is what matters.