Let's see exactly, how our FAST and SIMPLE Loan Process works: 
You access our secure website from your computer or any internet enabled device THEN:
1) Review our website and Loan Products page for basic loan terms and repayment information.
2) Access our SMART help, or FAQ page for any questions you may have.
3) If you wish to obtain a personal loan from S.O.S. Loans go to our Application page and complete our simple & secure on-line application.
4) Once we receive your application, we will review it, and make a decision for loan approval within minutes.
5) During normal business hours you should receive a response regarding your loan application within 15 minutes*. You can retrieve the results of your application by logging-in to your account, also, you will receive a confirming email or text message. Upon APPROVAL, you may be requested to FAX or e-mail some basic financial documents.
6) Once we have received and verified these documents, a representative will contact you to set up a convenient billing cycle for your loan payments and answer any questions you may have.
7) You will then receive an e-mail invitation to review and e-sign your Promissory Note.
8) If you agree to the Terms and Conditions outlined in your Promissory Note, you will be guided through our simple e-signing process.
9) If your Promissory Note is e-signed before 1:15 PM PST, on any normal business day you will be funded usually within an hour. If your Promissory Note is e-signed after 1:15 PM PST, but before 4:45 PM PST, you will be funded in the AM of the following banking day.
10) Your loan payments will be debited automatically on the same day each month until your loan is paid in full.
Note: You may always pay more (and SAVE $$) or pay off your account with no pre-payment penalty. (This is HIGHLY encouraged by our company)
* Our normal business hours are (M-F: 9 am to 5 pm, PST) and we are closed on ALL banking holidays. If you submitted your application after normal business hours or on a banking holiday your application will be processed the following business day in the order that the application was received.
