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Online Loans

for working professionals & executives

Get a Personal Loan from $10,000 to $50,000

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California Direct Lender of Personal Loans

S.O.S. Loans is your local and trusted licensed direct lender with over 25 years of experience. Helping working professionals and executives with a fair to good credit score, finance their California dreams. We understand our customer's lives are extremely busy; that's why we have designed a quick, simple, and confidential online lending process with world class "white glove" service.

Our unsecured loans mean you don’t need to own a car or a home to qualify. An SOS personal loan is a great way to consolidate bills, fund a major purchase or a home improvement project without disrupting your personal cash flow. As an SOS Loans customer you can have $10,000 - $50,000 wired to your bank account within hours.*

Trusted Lender

Quick Loan Approval Process

You're Approved!


Your loan application has been approved pending verification of your identity and final underwriting review.


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 S.O.S. Loans?

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.

S.O.S. Personal Loan Reviews

4.5+ out of 5.0 Stars

I got a $5,000 quick loan through S.O.S. deposited the same day In my bank acct. Used the money to watch my San Diego Padres beat the Los Angeles Dodgers in Game 4 of the playoffs. Overall, I got a fair interest rate and was able to pay back the loan early.

- Anthony D. from San Diego, CA

My personal online loan was approved from this direct lender in a very short amount of time. Very reliable, would recommend to anyone with fair to good credit.

- Brooke S. from Los Angeles, CA

S. O. S. Loans provides excellent customer service. The application and approval process is both simple and efficient. They will work with you to align due dates. And are very responsive to all requests. A pleasure to do business with.

- Wendy T. from Pasadena, CA

SOS Loans has the BEST customer service! They took care of all my worry. Whenever I had a need they were right there to solve it. Their process is really confidential, safe, and easy. I think of them as the “go to” for all my financial needs! I live in Long Beach and the personal loan process was done through my phone so I didn’t have to drive anywhere! Thank you Frank!!

- John D. from Long Beach, CA

I live in Newport Beach California. I got a $10k personal loan for an elective surgery. I had the funds wired to my bank account the same day. I liked the confidentiality of the service. Wes in customer service was very helpful. I really liked the fact that I could pay off the loan with no penalties at anytime. I would highly recommend S.O.S. for an online personal loan. Thanks S.O.S.

- Jeanie S. from Orange County, CA

Always great service. Wes is the best 👍.

- Javier E. from Cypress, CA

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