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Online Personal Loans

Quick loans from $2,600 to $10,000

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S.O.S. Loans is a direct lender underwriting and servicing all loans. We do not sell, share or refer you to other websites. If you apply for a loan on this website your entire loan experience will be with S.O.S. Loans. S.O.S. Loans, Inc. is licensed by the State of California, Department of Business Oversight Finance Lender's License No. 603-F428

Apply Online

Online Loan Application

For a personal loan anytime using your mobile phone, tablet or computer.

Fast Approval

Fast Loan Approval

Response via email or text in just minutes.

Same day funding

Same Day Loan

Money wired directly to your account today.

How Online Personal Loans Work

Applying for an online personal loan with S.O.S. Loans is simple. We take pride in providing a quick and easy process. Here's how it works:

  • Apply Online

    It's simple, free and takes just a few minutes. Need Help? Call or Text us at (800) 503-6648 for a loan agent.

  • Verify information

    We will request some basic supporting documents that you may submit to us via email text, or fax.

  • Receive funds

    After you e-sign your contract your cash loan will be deposited directly into your bank account.

Why 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

Low, Fixed Monthly Payments For All Personal Loans

Your online personal loan can be paid off at any time with no pre-payment penalty. You may pay extra at any time to help reduce your interest expense. You only pay for the time you have your personal loan outstanding.

  • Reliable customer support via Text, Email, Chat or Phone. Contact Us
  • Transparent process you get what you borrow, no hidden or origination fees. Current Rates
  • Affordable loan payments just a few hundred dollars per month. Current Rates
  • We do not share your information with others. No SPAM Emails or Texts. Privacy Policy
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Bill paying lady



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
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Your Personal Loan Lender for...

Debt Consolidation, Emergencies or Vacations


Debt Consolidation Loans: Consolidate any payday loans, cash advances, or other high rate interest loans into a single monthly payment.


Emergency Loans: Pay medical bills, car repair, past due utilities, or collection accounts.


Vacation Loans: Take advantage of last minute deals for cruises, airfare or lodging.


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What People Are Saying

Customer's Photo - Keisha W.

Keisha W.

from Riverside, CA

Had a last minute opportunity for a discounted family cruise to Mexico. Saved a boat load!
Thanks for the quick personal loan.



Customer's Photo - Jeanie S.

Jeanie S.

from Orange County, CA

Your loan process was so simple, even I could do it. Thanks.




Customer's Photo - Latreese C.

Latreese C.

from San Bernardino, CA

Thanks so much for helping me in a time of need. With the unsecured personal loan I was able to get my new apartment. My regards to Wes for his great service.


Customer's Photo - Lupe S.

Lupe S.

from Sacramento, CA

I was looking for a bad credit loan, SOS Loans came through with an installment loan when nobody else would.



Customer's Photo - Joseph G.

Joseph G.

from San Diego, CA

Was looking online for personal loans. Found SOS to have a lot better rates and lower payments than other lenders like Cashcall or LoanMe.



Customer's Photo - Marcus M.

Marcus M.

from Los Angeles, CA

Thanks for the quick loan. Because of SOS I was able to buy books and help with my tuition.
Got the cash loan I needed!