About & Disclosure

How Our Service Works

When you submit an application through Possible Finance:

1. We collect your basic information through our online form
2. Your information is shared with participating lenders in our network
3. Lenders independently review your application using their own underwriting criteria
4. If approved, a lender will present you with loan terms for your review
5. You are under no obligation to accept any loan offer
6. If you accept, you enter into a loan agreement directly with the lender

Information Sharing

By submitting an application through our platform, you authorize us to share your information with:

• Participating lenders in our network
• Third-party service providers who assist in processing your application
• Credit bureaus for the purpose of verifying your identity and creditworthiness
• Other third parties as described in our Privacy Policy

We take the privacy and security of your information seriously. Please review our Privacy Policy for complete details on how we collect, use, and protect your information.

No Guarantee of Approval

Submitting an application through Possible Finance does not guarantee that you will be approved for a loan. Loan approval is entirely at the discretion of participating lenders and depends on their individual underwriting criteria, including but not limited to:

• Credit history and credit score
• Income and employment verification
• Debt-to-income ratio
• State of residence
• Bank account status
• Other factors determined by the lender

Loan Terms & Conditions

Loan terms, including interest rates, fees, repayment schedules, and other conditions, are determined entirely by the lender. Possible Finance has no control over:

• The APR or interest rate you are offered
• The loan amount you may qualify for
• Repayment terms and schedules
• Any fees charged by the lender
• Approval or denial decisions

You will receive full disclosure of all loan terms from the lender before you are required to accept any offer. We strongly encourage you to read and understand all terms and conditions before accepting a loan.

Representative APR & Examples

The APR range provided on this website (6.99% – 35.99%) is for informational purposes and represents the range of rates offered by lenders in our network. Your actual APR will depend on your individual circumstances and the lender's assessment of your application.

All loan examples provided on this website are for illustrative purposes only. They are not offers of credit or guarantees of the terms you may receive. Actual terms may be significantly different.

State Availability

Our services are not available in all states. We currently do not operate in New York, Vermont, Arkansas, or West Virginia. Lender availability may also vary by state. Even in states where we operate, there is no guarantee that a lender will be available to serve you.

Credit Impact

When you submit an application, a soft credit inquiry may be performed that does not affect your credit score. If you receive a loan offer and decide to proceed, the lender may perform a hard credit inquiry, which could impact your credit score. The lender will inform you before performing a hard inquiry.

Your Responsibilities

If you accept a loan offer, you are responsible for:

• Reading and understanding all loan terms and conditions
• Making all payments on time according to the repayment schedule
• Contacting the lender if you have questions or experience financial difficulties
• Understanding the consequences of late or missed payments
• Borrowing responsibly and only taking what you can afford to repay

Complaints & Disputes

If you have a complaint or dispute regarding a loan, you must contact the lender directly, as they are the party with whom you have a contractual relationship. If you have concerns about our service, please contact us.

You may also file a complaint with:

• The Consumer Financial Protection Bureau (CFPB)
• Your state's Attorney General office
• Your state's financial regulatory agency