The first part of the application is the pre-approval process. During this step, we'll perform a soft pull (which won't affect your credit score) to see if you're likely to be approved based on the information you've entered. If you're pre-approved, you'll be invited to apply fully for Petal. If you're not pre-approved, you won't be able to apply for Petal right now.
Keep in mind that getting pre-approved doesn’t guarantee approval for Petal. The only way to know for sure if you will be approved is to submit your application after the pre-approval process.