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Personal Loans

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A Personal Loan Boutique

Trusted direct lender with over 25 years experience helping professionals with less than perfect credit finance their active and adventurous California lifestyle.

private & confidential

Private & Confidential:

Our privacy policy is simple… we do not share your information with anyone. Many of our clients are high level executives, professional athletes or public service professionals and require the utmost privacy. The entire loan process is completed online, no need to drive to a bank or any other institution.

personal service

Personal Service:

As an online company we provide 5-Star customer service with a personal touch. We are proud of the fact that our business grows rapidly through our client referrals. You will have your personal loan concierge to help you at any time. Text, email, call or chat with your concierge 24/7.



You can rest at ease that your data is secured with the highest-level SSL encryption technology available. The same level of security that online banking provides. Our processes are monitored and audited to provide you with the utmost security.



As a boutique lender we are privately funded no middle men or investment bankers to satisfy allowing us to customize a solution just for you. Our underwriters review each application this gives us the ability to say “Yes” when other financial institution can’t.



Starting in 2021, S.O.S. Loans is now accepting cryptocurrency. Do you own cryptocurrency? Would you like to make your personal loan payment directly using your Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Ripple (XRP) or many others. It’s really simple! We’ve partnered with Coinbase to accept all major cryptocurrencies for payment. If you don’t already have a crypto wallet, you can open one for free at Coinbase, Gemini or even PayPal. If you need any additional information let us know and we would be happy to guide you through the process.

Now accepting cryptocurrency
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How Our Online Personal Loans Work?

It’s as easy as 1-2-3


Apply Online

Using your phone, tablet or PC you will enter some basic personal and financial information then you will receive a quick decision on your request.


Get Approved

Once approved we will provide you with the most secure environment to submit some basic ID and financial documents. Review and accept your loan terms then e-Sign your loan documents.


Money Wired to You

S.O.S. Loans is fast! We use bank wires to fund all accounts. This is the fastest most secure way to transfer money to you. You could get your funds as quickly as a few hours. *

Why a personal loan?

The fastest growing type of credit for baby boomers, generation-xers and millennials are personal loans. Personal loans are unsecured, meaning there is no collateral required to obtain a personal loan. The average personal loan balance is $16,259, according to Experian, a level that is similar to credit card debt. While a credit card allows people to keep borrowing as long as they are under the credit limit, many people like that a personal loan is for a fixed payment and term. In certain states where the cost of living is high like California, unsecured personal loans are becoming the preferred method of payment for higher ticket items.

Your funds can be used for any purpose

Our loans can be used as personal bridge loans that can help your cash flow until your anticipated income is received. The nice thing about using a personal as a bridge loan is that your not restricted into a short term in case funds are needed longer. If you are waiting for funds from a bonus, commission, tax return or even inheritance a personal loan from S.O.S. Loans could be the answer for you.

Benefits of an S.O.S. Loan?

We offer quick, affordable and confidential installment loans for life's everyday challenges. We are the industry leader for online personal unsecured loans.

Build Your Credit

We report your payment history to Experian. By making your payments on-time you can improve your credit.

A California Direct Lender

As a licensed California direct lender, we underwrite and service your loan. No 3 rd parties involved.

Access to Higher Capital

Get $10K to $25K Within a Day!

No Pre-payment Penalty

Pay your loan off early and save on your interest expense. You only pay for the time you have the loan outstanding.

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