Petal Card charges a single flat finance charge of $15 per $100 borrowed. That is the complete cost of your loan. No origination fee on top, no monthly service charge, no penalty if you repay early. The number you see in your agreement is the only number you pay.
We believe you deserve to know what a loan costs before you click a single button. Below are our complete rates for all loan amounts and terms. No fine print, no surprises.
First-time borrowers typically qualify for up to $500. Returning customers in good standing with Petal Card can access up to $1,500 on a single loan.
This is your total and complete cost. Borrow $500 and pay back $575. Borrow $1,000 and pay back $1,200. No other charges are added after you sign.
Standard 14-day term aligned to your payday. Extensions up to 30 days are available where permitted by your state's lending laws.
Move the slider below to calculate the finance charge and total repayment for any loan amount. The figures shown are exactly what you will see in your loan agreement — no rounding, no estimate.
*For comparison per TILA only
The table below shows the finance charge, total repayment amount, and Annual Percentage Rate for common loan amounts and terms. All figures are disclosed per Truth in Lending Act requirements.
| Loan Amount | Term | Finance Charge | Total Repay | APR* |
|---|---|---|---|---|
| $100 | 14 days | $15.00 | $115.00 | 391.07% |
| $200 | 14 days | $30.00 | $230.00 | 391.07% |
| $300 | 14 days | $45.00 | $345.00 | 391.07% |
| $500 | 14 days | $75.00 | $575.00 | 391.07% |
| $750 | 14 days | $112.50 | $862.50 | 391.07% |
| $1,000 | 30 days | $200.00 | $1,200.00 | 243.33% |
| $1,500 | 30 days | $300.00 | $1,800.00 | 243.33% |
* APR Disclosure (TILA / Regulation Z): Annual Percentage Rate figures are disclosed for comparison purposes only as required by the Truth in Lending Act. Short-term loans are not annual credit products. The actual and complete cost of your loan is the flat finance charge stated in your signed loan agreement. Formula: APR = (Finance Charge ÷ Principal) × (365 ÷ Term in Days) × 100. Petal Card is not intended as a long-term financial solution.
No surprises. No hidden fees. Petal Card is a direct lender and we fund your loan ourselves. Start your free application now.
Free to apply · No hard credit check · No obligation until you sign