About us

A California Direct Lender
S.O.S. Loans offers personal loans or installment loans to qualified borrowers completely online and through the electronic banking system. Our process is so fast and simple you could have your funds within a few hours. The nice thing about our online loans is that you can use your funds for any reason:

Consolidate debts
Eliminate bank fees
Cover an unexpected expense
Take a vacation

Why use S.O.S. Loans?
We offer quick, affordable and confidential installment loans for life's everyday challenges. We are the industry leader for online personal unsecured loans.

Bad Credit OK
Emphasis on most recent credit history allows us to offer you a bad credit loan

Mobile Friendly
Complete loan process can be completed on a mobile device

No Origination Fee
The amount you borrow is the amount we deposit in your account

No Pre-payment Penalty
You only pay for the time you have the loan outstanding

Safe & Secure
Same security technology as online banking
256-bit SSL encryption

20 Years Lending Experience
Providing top rate service built on customer referrals