Online Personal Loans

from SOS Loans Your Trusted California Direct Lender

Quickly borrow $10,000 to $25,000 with no collateral

S.O.S. Loans, Inc. is licensed by the State of California Department of Business Oversight Financing Law License No. 603-F428.  All loans are underwritten, funded and serviced by S.O.S. Loans, Inc.  We do not sell or refer your personal loan application to others.

Serving California with our eSign Loans for over 20 years

A California Direct Lender An eSign Loan is the fastest, easiest loan process for consumers to access a quick personal loan.  It allows the consumer to  sign & provide  necessary documents using any electronic device; discreetly at their convenience.  You can use the funds for any reason, like debt consolidation, vacations or medical costs its up to you.  Pay it back monthly on your terms.  It's easy to apply for an eSign Loan at S.O.S. Loans.


Competitive Interest Rates

We offer some of the best personal loan rates in the industry. Many of our customers save money by consolidating their high interest loans with us.

Same Day Loans

Receive your money as soon as the same day. Our eSign personal loan gets the funds to you quickly.

Low Monthly Payments

Your affordable timely payments will be the same for the entire term of your loan.

No Pre-Payment Penalty

We encourage you to pay your loan off early as their is no fee for early payoff. This allows you to save on your interest expense.

Get Started

Get Started with an SOS Loan Application

How an eSign Personal Loan Works:



Apply anytime using your mobile phone, tablet or PC. Takes less than 5 minutes to complete.



Get a loan offer with our basic terms via email or text in just minutes. Submit basic financial documents for approval.



Simply eSign your promissory note then money is wired directly to your account. You could receive your funds as quickly as today.

Basic Loan Terms*

Below are our basic loan terms including  sample payment schedules. Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) .*

Loan Terms:

Loan Amount(s):  $2,600-$10,000

APR(s):  24.00%-35.99%

Term(s):  36, 48, 60 Months

Sample #1 Payment Schedule

Loan Amount:  $3,000

APR:  35.99%

Term:  36 Months

Monthly Payment:  $137.39

Sample #2 Payment Schedule:

Loan Amount:  $5,000

APR:  35.99%

Term:  60 Months

Monthly Payment:  $180.63

Sample #3 Payment Schedule

Loan Amount:  $10,000

APR:  24.00%

Term:  60 Months

Monthly Payment:  $287.68


  • Thanks to the staff at SOS Loans for providing me with a fast & friendly $5,000 personal loan to help consolidate some bills. The eSign Loan process was so simple and convenient that I had the funds I needed within a day.

    Mike B from Torrance, CA
  • Thanks SOS! Your online lending process is so simple to do. I was able to get the entire loan through my mobile phone. The funds were wired to my account right away.

    Maria M from Long Beach, CA
  • SOS was able to help me when other lenders couldnt. I got a $2600 loan and paid back the loan at my convenience. Affordable monthly payments allowed me to pay it back on my schedule. Thanks!

    Dawn S from Los Angeles, CA
  • SOS Loans comes through when other online lenders could not. Their rates are lower than most online lenders like CashCall, LoanMe and others. Nice thing I could pay off my loan early with no penalty saving me money on interest.

    William H from San Diego, CA
  • Been using SOS for years to provide me with a fast cash loan. They have always been easy to deal with and the do what they say. Customer service folks are awesome!

    Bonnie H from Valencia, CA

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