Petal Card is a direct lender. We approve your loan, we fund your loan, and we deposit the money straight to your bank account — no brokers, no third parties, no runaround.
*APR shown per TILA for comparison only. Actual cost is the flat fee above.
Most people hit a wall when they need fast cash — banks are slow, credit cards are maxed, payday advances have strings attached. Petal Card was built to remove that wall. We are a licensed direct lender, which means faster decisions, lower friction, and total transparency from start to finish.
When you apply at Petal Card, your application comes straight to us — not to a marketplace, not to a broker. We review it, we make the decision, we deposit your money. You deal with one company, one agreement, one point of contact.
Our automated underwriting system runs 24 hours a day, 7 days a week. There is no loan officer you have to wait on, no committee review. Submit your application at 2 AM on a Saturday and get a decision before your coffee is done.
We evaluate your current income, not your past credit mistakes. No minimum FICO score. No minimum VantageScore. We want to know one thing: can you repay this loan from your upcoming paycheck? If yes, we want to work with you.
The cost of a Petal Card loan is $15 per $100 borrowed — and that is the entire cost. There are no monthly service charges, no origination fees layered on top, no penalties if you pay early. You see the full dollar amount before you sign.
We comply with the Gramm-Leach-Bliley Act and never sell your personal or financial data to advertisers, data brokers, or marketing companies. Your application is reviewed by our team only, and stored on encrypted, access-controlled servers.
Questions about your application? Need to discuss a repayment arrangement? Our support team picks up the phone. We are available Monday through Friday 8 AM to 8 PM ET and Saturday 9 AM to 5 PM ET at +1 (877) 444-0288.
Most online loan websites are actually lead generators or brokers — they take your information and sell it to multiple lenders who then compete for your business. That means your data goes to companies you never agreed to share it with, and you get bombarded with calls and emails. Petal Card is different.
Your information goes only to Petal Card. We are the only company that reviews it and the only company that can approve or deny your request.
No comparing offers from 12 different lenders. You receive one clear loan agreement with every number disclosed up front. Review it, sign it, done.
The money that goes into your bank account comes from Petal Card. We are the source of funds, not an intermediary waiting to match you with someone else.
When your loan is due, the ACH debit comes from Petal Card. If you need to discuss your repayment, you talk to us — not to a servicer, not to a collections agency unless the situation escalates.
No office visits, no faxing documents, no waiting days for a loan officer to call you back. Everything happens online through a secure form that takes under five minutes to complete.
Tell us your name, contact details, income, and bank account information. The form works on any smartphone, tablet, or computer and takes less than five minutes to fill out.
Our system evaluates your application in real time using income verification and identity checks. No hard credit pull ever. Most customers receive a decision in 10 to 15 minutes, around the clock.
Your loan agreement shows the exact principal, finance charge, APR, repayment date, and total amount due. Read every line. There is no obligation to sign. E-signature is legally binding under the E-SIGN Act.
We initiate an ACH direct deposit to your bank account immediately after signing. Most customers see the money arrive the next business morning. Applications signed before 11 AM ET on weekdays often qualify for same-business-day deposit.
Whether you need a small bridge to cover groceries before payday or a larger amount for an unexpected car repair, Petal Card offers flexible loan amounts with the same flat fee structure and the same fast process.
Petal Card charges a single flat fee of $15 per $100 borrowed. That is the complete cost. There are no origination fees, no monthly maintenance charges, no penalties for paying early, and no fees that appear after you sign. The number in your agreement is the number you pay.
Borrow as little as $100 or as much as $1,500 depending on your income, state, and borrowing history with us.
One flat fee. Borrow $500, pay $75. Borrow $1,000, pay $200. No hidden fees ever added after you sign your agreement.
Standard 14-day term aligned to your payday. Extensions to 30 days available where permitted by your state's lending regulations.
| Loan Amount | Term | Finance Charge | Total Repayment | APR* |
|---|---|---|---|---|
| $100 | 14 days | $15 | $115 | 391.07% |
| $300 | 14 days | $45 | $345 | 391.07% |
| $500 | 14 days | $75 | $575 | 391.07% |
| $750 | 14 days | $112.50 | $862.50 | 391.07% |
| $1,000 | 30 days | $200 | $1,200 | 243.33% |
| $1,500 | 30 days | $300 | $1,800 | 243.33% |
* APR Disclosure per TILA / Regulation Z: APR figures are shown for comparison purposes only as required by the Truth in Lending Act. Short-term loans are not annual products. The actual and complete cost of your loan is the flat finance charge stated in your signed agreement. Petal Card is not a long-term financial solution. Please consider all alternatives before borrowing.
We keep our eligibility requirements simple and straightforward. If you meet these four criteria, you are likely a strong candidate for a Petal Card loan. There are no trick questions and no hidden qualification hurdles.
You must be at least 18 years of age as required by federal consumer lending law.
US citizen or permanent resident with a valid government-issued ID and Social Security Number.
At least $800/month from employment, benefits, a pension, or another verifiable regular source of income.
A US checking or savings account open for at least 90 days that can receive ACH direct deposits.
Free to apply · No hard credit check · No obligation until you sign
We've helped tens of thousands of Americans access the cash they needed quickly and transparently. Here are a few of their stories.
"My car broke down the week before payday and I had no way to get to work. Petal Card approved me in about 12 minutes and the money was in my account the next morning. The fee was exactly what they said — $75 on a $500 loan. No surprises whatsoever."
"I was nervous because my credit score is not great, but they approved me based on my income. The process was completely online, took maybe 8 minutes total, and the loan agreement was very clear. I knew exactly what I owed before I signed anything."
"I needed $400 to cover a medical copay. The application was simple, approval came through fast, and when I called to ask a question, an actual person answered on the second ring. I've used Petal Card twice and both experiences were smooth from start to finish."
Apply in 5 minutes. We review it instantly. Funds deposited directly to your bank account.
Petal Card is a direct lender ready to fund your loan today. Apply in five minutes, get approved fast, and wake up to money in your account.