Possible: Fast Cash & Credit positions itself as an ethical alternative to traditional payday lenders, offering credit access through a streamlined mobile application. Developed by a Public Benefit Corporation, the service targets consumers typically excluded from conventional lending due to poor credit history or limited financial options. The application's core functionality revolves around providing instant credit decisions and funding within minutes for approved users. Unlike traditional lenders, Possible employs alternative underwriting methods that consider banking history rather than relying solely on credit scores. The platform maintains complete fee transparency with no hidden charges or late penalties, presenting all costs upfront through a simple interface that clearly displays repayment schedules and total borrowing costs. User experience centers on minimal friction, with a clean interface guiding applicants through identity verification, banking connections, and loan terms. The application process typically requires under five minutes to complete, with immediate approval decisions and same-day funding available through direct deposit. Real-world usage patterns indicate most users access funds for emergency expenses, with common scenarios including vehicle repairs, medical bills, or temporary income shortfalls between pay periods. User feedback consistently highlights the application's accessibility for those with poor credit histories. Chris Mac's July 12, 2025 review notes 'I never get approved on these apps because of my credit... Possible truly came through for me,' reflecting a common sentiment among users. Jennifer Williams' July 13 review mentions approval despite wishing for higher amounts, indicating the platform's conservative initial lending approach. Multiple reviews reference the service's role during financial hardship, with Mary Scott's July 13 review stating it 'helped me greatly during a hard time.' The application demonstrates notable strengths in accessibility and transparency but operates within clear limitations. While providing crucial access to emergency funds, the maximum $500 credit limit and relatively high APR (though lower than payday alternatives) make it unsuitable for larger financial needs. The service best serves as a bridge during temporary cash shortages rather than a solution for ongoing financial challenges, with ideal use cases involving unexpected expenses that can be repaid within the structured installment plan.