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Frequently Asked Questions

Loans SOS is a 2nd & 3rd credit alternative. The Loans SOS team is dedicated to connecting you with the most reputable lenders with low rates and no upfront fees. With multiple years of experience in the credit industry we strive on protecting our members from predatory lenders. We will work with you and your credit score to get the financial help you need!

The APR on the borrowed amount from our lenders can range between 3% and 35%. The payback period can range between 6 months and 5 years for personal loans, for all states across America some restrictions may apply. Americas lead referral network.

How do I know if I'm approved?

You will be notified as soon as your application is approved. One of our partners will call you and e-mail you to inform you that your application was approved. Loans SOS strives to provide its customers with the fastest approval times in the country.

How can i speed up the application process?

After you submit your application or callback request you might be asked to submit some documents. This will depend on the product you are interested in. If such a request is made you should strive to get the required documents in as soon as possible so that the agent looking after your application can proceed with the approval process as quickly as possible. You will only be asked to provide documents that are necessary or required by law to complete your file. Loans SOS protects your privacy.

What happens after I apply?

Shortly after you submit your application or callback request one of our partners will be contacting you to discuss the services you are looking for and the options available to you. The agent assigned to your application is a fully trained professional ready to assist you with all of your requirements. Loans SOS will not begin to work on your file before first directly speaking to you about your financial needs.

I'm a recent immigrant. can i still apply?

Yes. Even if you have no credit history we will be able to pair you with a great financial product at a great rate.

Will you check my credit score after i apply?

No. We will not and cannot check your credit score after you submit an online application. You must submit consent before a Loans SOS partner can pull your credit score.

I've been rejected by a bank. what do i do?

If you’ve been rejected by a bank please note that there are still MANY options available to you. We recommend that you try again with us: you’ll benefit from better rates, more products and more options. One of the great things about Loans SOS is that we have relationships with many banks and other lending institutions. We also have a large array of private lenders ready to assist you. We have relationships in place to pair you with the best solution available.

Do you service the self-employed?

Yes. Loans SOS is a specialist and industry leader in loans and financial solutions for self-employed individuals.