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Personal Loan (No Collateral Required)

Credit approval is subject to S.O.S. Loans, Inc. credit standards, and actual terms (including actual loan amount) may vary by applicant. S.O.S. Loans requires certain supporting documentation with each new application. As you can see these are very high interest loans and we recommend that you seek more favorable terms before applying. We encourage all of our customers to pay off their loans ASAP to minimize their interest expense. There are never prepayment penalties on any loan at S.O.S. Loans, therefore you only pay interest for the time you have your loan outstanding. It is important to understand that not all customers will qualify for every, or any loan. Our lowest rates and higher loan amounts are approved for customers with excellent credit. If you have any questions regarding this, text/call us at 1-800-503-6648

Fee Schedule

Late Fee:

If your payment is more than 10-days late, you will be charged $10.00. Or if your payment is 15-days late or more you will be charged $15.00.

Returned Item Fee:

Any payment that is dishonored by your bank you will be charged a return item fee of $15.00.


There is no penalty for paying your loan off early. You will only be charged interest for the time you have your loan outstanding.

Administrative Fee:

You may be charged a non-refundable administrative fee of $75.00 or up to 5% of amount financed.

State Regulator Information

All Loans Are Made Pursuant To The California Finance Lender Law, Division 9 (commencing with Section 22000) of the Financial Code. 

If we are unable to address your questions or concerns, you can also contact your state regulatory agency:

Department of Business Oversight
1515 K Street, Suite 200
Sacramento, CA 95814
Phone: 866.275.2677
Fax: 916.445.7205