Petal Card is a direct lender. There are no middlemen, no lead-selling platforms, no wait for multiple companies to review your file. You apply with us, we decide, we fund. Here is exactly how that works from the first click to the money landing in your account.
From the moment you hit Apply to the moment funds hit your checking account, the entire process typically takes less than 24 hours. Everything happens online, securely, through a form that works on any device.
Our online application is short, secure, and works on any smartphone, tablet, or desktop computer. You do not need to print anything, fax anything, or visit an office. The entire form takes most people under five minutes to complete.
You will be asked to provide your full legal name, date of birth, home address, Social Security Number (used for identity verification only), your employer or income source, your monthly take-home pay, and your US bank account routing and account numbers. All data is encrypted in transit and at rest.
Because Petal Card is a direct lender with our own underwriting system, we make the lending decision ourselves — not a committee, not a partner network. Our automated platform evaluates your application in real time and returns a decision in most cases within 10 to 15 minutes.
We do not pull a hard credit inquiry. We perform a soft inquiry only to verify your identity and check for fraud indicators. Your credit score is not affected by applying and does not play the same role it would at a traditional bank. What matters most is whether your current income supports repayment of the requested amount.
Our system runs 24 hours a day, 7 days a week. You can apply at midnight on a Sunday and receive a decision before your next alarm goes off.
If approved, you will receive a Loan Agreement that discloses every number in plain language: your loan amount, the exact finance charge in dollars, the Annual Percentage Rate (calculated per TILA), your repayment date, and the total amount you will repay. No math required — all figures are pre-calculated.
You are under no obligation to sign. Review the agreement carefully. If you have questions, call us at +1 (877) 444-0288 before signing. Your electronic signature is valid under the Electronic Signatures in Global and National Commerce (E-SIGN) Act.
Once you sign, Petal Card immediately begins the process of transferring your funds. There is no additional waiting period.
Petal Card initiates the ACH direct deposit from our own accounts to yours immediately after your signed agreement is received and verified. We are the ones sending the funds — not a third party, not a partner lender. The money comes directly from Petal Card.
Most customers whose agreements are signed on a business day before 11 AM ET see money in their account the same business day. Applications signed after that cutoff are typically funded the following business morning. You will receive an email and SMS confirmation the moment the transfer is initiated.
We will send you a reminder three days before your repayment date. On your due date, the total repayment amount is automatically debited from the same bank account via ACH. Early repayment is always free.
Must be at least 18 years old per federal consumer lending rules.
US citizen or lawful permanent resident with a valid SSN and government-issued photo ID.
At least $800/month from employment, benefits, pension, or other verifiable regular source.
Active US checking or savings account open at least 90 days. No prepaid debit cards.
Five minutes to apply. We review it instantly. Funds deposited directly to your account by us — your direct lender.
Free to apply · No hard credit check · No obligation until you sign