A California direct lender since 1999

Personal loans & mortgage broker solutions for California residents

Online personal loans, mortgages, and equity — funded fast and kept private.

Apply for a personal loan Explore equity solutions
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27+

Years in business

130K+

Clients served

4.6

Google reviews

What we offer

California direct lender. Mortgage broker. One place.

Personal loans, mortgage brokering, and equity solutions — serving California since 1999.

A California professional checking her phone as she walks out of an office building at golden hour Direct lender · California

Personal loans in California

As a California direct lender since 1999, we fund unsecured online personal loans from $5,000 to $50,000 — for debt consolidation, home improvements, or an unexpected expense.

  • Quick fundingDeposited as soon as the same business day.
  • No collateral neededYou don’t need to own a home or car to qualify.
  • Flexible useAlmost any purpose, from emergencies to travel.
Learn more
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Home equity investment

A home equity investment (HEI) turns California home equity into a lump sum. Repayment comes when the home is sold or refinanced, in exchange for a share of its future value.

  • Cash as a lump sumPaid out in one amount at closing.
  • Flexible qualifyingA 500+ score can qualify, high DTI is not fatal.
  • First mortgage stays putAn HEI sits alongside your existing loan.
Learn more
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Auto equity loans in California

An auto equity loan lets California drivers borrow against the equity in their vehicle — it does not have to be fully paid off — without selling the car they depend on.

  • Keep driving your carIt secures the loan but stays in your driveway.
  • Credit is not everythingYour vehicle’s value carries the application.
  • Refinance a title loanBetter terms, lower rate, even cash back.
Learn more
How it works

Three simple steps to our online personal loans in California

From application to funding, the whole process is online, human, and fast — no branch visit, no runaround.

The S.O.S. Loans site on mobile showing available cash and a rate check
  1. 1

    Apply online

    Complete our secure application in minutes — 100% online, nothing to mail.

  2. 2

    Get reviewed

    A real person reviews your file — no algorithm, no underwriting box — then follows up with the options that fit.

  3. 3

    Get funded

    Once you’re approved and sign, your funds are on the way — fast, with terms you actually understand.

Start your application

lockOur loans are private and confidential — we don’t sell your information to third parties.

Client reviews

What our clients say

Trusted by California homeowners in Los Angeles, San Diego, San Jose, San Francisco, Sacramento, and communities statewide.

Good to know

Frequently asked questions

Short, straight answers about how we lend and what to expect.

Is S.O.S. Loans a direct lender or a mortgage broker?
Both. We are one of the few California direct lenders that funds personal loans in-house — your application is underwritten by us, not sold on to other direct lender loan companies. For home financing we act as a licensed California mortgage broker, shopping our wholesale lender network for your rate.

How fast can I get a personal loan in California?
Most online loans in California move fast. Many personal loan applicants get a decision within minutes and see funds deposited the same business day, or within 24–48 hours of approval.

Can S.O.S. Loans help me with a new home purchase in Los Angeles?
Yes. As a California mortgage broker we help buyers in Los Angeles and statewide with new home purchase loans — FHA, VA, conventional, and jumbo — plus mortgage refinance, HELOCs, and jumbo reverse mortgages.

What are auto equity loans?
Auto equity loans in California let you use the equity in a paid-off vehicle as collateral, giving you quick access to funds without selling your car.

How can I improve my credit score?
Consistent on-time payments, lower balances against your limits, and time. Our California credit builder program helps you establish a positive credit history so you qualify for a personal loan, HELOC, or mortgage refinance on better terms later.

What is a jumbo reverse mortgage in California?
A jumbo reverse mortgage is for California homeowners 62 and over whose home value exceeds standard FHA HECM limits. It lets you draw on home equity — as a lump sum, a jumbo reverse mortgage line of credit, or a HomeSafe second mortgage that leaves a low first mortgage in place — with no monthly mortgage payment for as long as you live in the home.

Should I use a HELOC, a home equity investment, or a cash-out refinance?
It depends on payments and rate. A HELOC is a revolving line of credit with a monthly payment. A home equity investment (HEI) is a reverse mortgage alternative that pays a lump sum with no monthly payment, repaid when you sell or refinance. A cash-out mortgage refinance replaces your first mortgage entirely — which rarely makes sense if your current rate is low. As a mortgage broker we will tell you plainly which one fits.

Still have a question? Get in touch and we'll help.

Statewide

Proudly serving all of California

As a California direct lender and licensed mortgage broker, we serve residents across the Golden State — personal loans, mortgages, and home equity in California's major economic hubs and coastal communities, from the Bay Area to the border.

Tap a region to see cities

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Bay Area & Silicon Valley

  • San Francisco
  • Oakland
  • San Jose
  • Santa Clara
  • Mountain View
  • Sunnyvale
  • Fremont
  • Silicon Valley

Sacramento & Delta

  • Sacramento
  • Stockton
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Central Valley

  • Fresno
  • Clovis
  • Bakersfield

Central Coast

  • Santa Barbara
  • Ventura
  • Thousand Oaks
  • Malibu
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Los Angeles & South Bay

  • Los Angeles
  • Pasadena
  • Burbank
  • Culver City
  • Santa Monica
  • El Segundo
  • Manhattan Beach
  • Hermosa Beach
  • Redondo Beach
  • Torrance
  • Palos Verdes
  • Long Beach
  • City of Industry

Inland Empire

  • Riverside
  • San Bernardino
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Orange County

  • Orange County
  • Anaheim
  • Irvine
  • Huntington Beach
  • Newport Beach
  • Laguna Beach
  • Aliso Viejo
  • Dana Point
  • San Clemente

San Diego County

  • San Diego
  • Carlsbad
  • Encinitas
  • Del Mar
  • La Jolla
  • Pacific Beach
  • Ocean Beach
  • Coronado

Don't see your city?

We're licensed statewide and lend everywhere in California. Tell us where you are and we'll take it from there.

Talk to us today

Ready to get started?

Answer a few quick questions online and we'll match you to the right option — it only takes a few minutes.

Start your application

lockOur loans are private and confidential — we don’t sell your information to third parties.

Prefer to talk?
call Call(800) 503-6648 chat Text(424) 323-3361 mail Emailinfo@sosloans.com