Petal Card LLC was founded with a single conviction: that Americans who need short-term cash should be able to get it from a single, transparent, licensed lender — without being bounced between brokers, sold to data buyers, or confused by fine print.
Petal Card LLC is a licensed American online financial services company. We provide short-term consumer loans to eligible US residents through our website, petalcard.us. When you apply with us, your application comes straight to our team. We are not a marketplace, not a broker, and not a lead generator. We make the lending decision, we fund the loan from our own capital, and we service the loan until it is fully repaid.
We built Petal Card because we saw how many online "lenders" were actually lead-generation businesses that sold customer applications to networks of lenders. Borrowers would apply once and receive calls and emails from a dozen different companies. Their personal data was shared without their real understanding of what was happening.
We wanted to offer something different: one company, one application, one agreement, one lender. That is what Petal Card is. Your data goes to us. Your decision comes from us. Your funds come from us. That is direct lending.
Every borrower who works with Petal Card deals with us and only us, from application to final repayment.
These six principles guide every decision we make — from how we design our application to how we treat customers who are struggling to repay.
Every fee, every term, every number is disclosed before you sign. APR is shown per TILA. Nothing is buried in footnotes. If a number will appear on your statement, it will appear in your agreement first.
Emergencies do not follow business hours. Our systems run 24/7, decisions come in minutes, and funds arrive the next business morning. We built speed into every layer of our process.
We hold lending licenses in every state where we operate and comply with TILA, ECOA, FDCPA, and GLBA. Regulators examine us and we welcome that scrutiny.
Nobody applying for a short-term loan should be made to feel embarrassed. We use respectful, plain-language communication at every stage. There are no judgment calls made about why you need the money.
256-bit SSL encryption, strict access controls, GLBA-compliant data governance, and a no-data-selling policy. Your personal and financial information is used to process your loan and nothing else.
Short-term loans are a tool for genuine emergencies, not a long-term financial strategy. We say this on our website, in our agreements, and in our customer conversations. We want to help, not to create dependency.
Petal Card LLC holds active lending licenses in every state where we offer loans. We are subject to periodic examination by state banking and financial regulatory departments and comply with all applicable federal consumer financial protection laws.
Our NMLS number is publicly searchable through the Nationwide Multistate Licensing System. We encourage prospective borrowers to verify our licensure before applying.
Petal Card funds your loan directly. No brokers, no third parties, no data-selling. Start your free application now.