about company
S.O.S Loans
For Your Daily Expenses
S.O.S Personal Loans and debt consolidation solutions give you the funds you need to keep life moving forward. With SOS finance, it takes just a few minutes to apply for a flexible personal loan or consolidate your existing debt.
Fast, Flexible Business Loans To Help You Grow.
Potential tax-deductible car finance – Borrow up to 100% of the purchase price
A Smarter, No-Loan Debt Consolidation Solution
Get a property loan to improve your home. Purchase a property or make those quick touch-ups or give your home some serious TLC with a loan of up to R3 Million.
Get a Personal Loan from R10 000 up to R500 000 with interest from as low as 5.48%*, With an easy application process and Customer Protection Plan.
Our Student Loan can be used for tuition fees, accommodation, and study material and devices.
Apply Now Apply Now – Make Your Dream Wedding a Reality Are you planning your dream wedding but worried about the costs? Don’t let finances stand in the way of your big day. At SOS Loan Solution, we’re here to help you celebrate in…
our features
Quick
Easy
Flexible
Interest from as low as 5.48%*
Apply online. It’s simple, paperless and convenient
Get a personal loan and make it possible: home DIY, education or emergency repairs
Customer Protection Plan for your peace of mind
Fast and convenient. Get a provisional answer in minutes
Low repayments, typically over 12 to 180 months
How Much Do You Need?
A smarter loan
Is a S.O.S Cash Loan
Right For You?
We provide flexible long-term loans and smart investment solutions tailored to individuals, small businesses, and large corporations — helping every client achieve their financial goals with confidence.
We are purpose-led, measuring success not only by shareholder returns but also by the social value we create. Since inception, partnership has been the cornerstone of our growth strategy. Today, we hold stakes in more than 100 ventures spanning the insurance value chain, each advancing our mission to empower individuals and communities to build and protect a better future.
How does it Work
Complete a short application in under 5 minutes. Personal information that you submit on our site is genuinely 100% safe and secure under the POPIA Act. Getting approved is easy.
Our high-tech system pings your loan application to our panel in seconds. We review and score your application. You’ll instantly get a message to tell you if you’ve been approved.
If your loan is approved, we’ll pay the money directly into your account or ask you to send any documents that we might need.
Annelize van der Merwe
Amava am nge-SOS Loan Solution abe mahle kakhulu. Ndifake isicelo semali mboleko lula, ndaza ndafumana imali ngemini enye. Inkxaso yabo yabathengi ibingakholeleki—baphendule yonke imibuzo yam ngokukhawuleza nangobubele. Ndiyabaxhasa kakhulu.
Nomsa
It feels like magic—the application process is super-fast with a very customer-friendly interface. Overall, getting a loan here is truly top-notch and far above other lenders!
Anusha P.
Okuhlangenwe nakho kwami nge-SOS Loan Solution kuhle kakhulu. Ukufaka isicelo semali mboleko kulula, futhi ngithole imali ngosuku olufanayo. Yonke imibuzo yami iphinde yaphendulwa ngokushesha nangokweseka okukhulu. Ngiyaphakamisa kakhulu le nkampani.
Nokuthula T.
The application process was incredibly simple. Their loans are fast and hassle-free, perfect for emergencies.
Arjun P.
Guys SOS Loan Solutions is a reliable company that quickly resolved my credit challenges and made repayment stress-free.
Seguja T.
13
See How Much You
Qualify for Today!
A Quick Payment Transparent Process
Take only what you need, when you need it.
Applying is Quick and Simple
- Apply Online Quickly and Securely
- Get an Instant Review from Our Team
- Choose to Accept or Decline Your Loan Offer
- Receive Cash Directly Into Your Account the Same Day
36%
Our borrowers save compared to their credit card rates
We Allow Better Rates
Through Better Credit Information
Contact Info
Our customer service team is available on weekdays from 8:00 AM to 5:30 PM and on weekends from 8:00 AM to 4:00 PM (SAST).
address
10 Old Mutual Building Meintjies Street Middleberg 5900, Middleberg
Working Hours
Weekdays: 8 AM – 5:30 PM
Weekends: 8 AM – 4 PM
Representative Example
If Leticia borrows R10 000.00 and selects a repayment term of 12 months.
At an annual interest rate of 15.28%, her monthly installment for the loan will be R903.43 and her total repayment amount will be R 10,841.19
Note: Our interest rate will never exceed the maximum as prescribed by the NCA of 29.25%.
🚨 Fraud Alert
Report suspicious activity immediately:
📧 Email: reportfraud@marinersfinance.co.za
Fraud and scams are on the rise. Fraudsters often try to trick you into giving away your personal information. Protect yourself—never share your personal details, banking information, with anyone.
S.O.S Financial Services is aware of ongoing scams where fraudsters misuse our name on platforms such as Facebook and WhatsApp. If you are unsure whether you are dealing with a genuine S.O.S Financial Services employee, please contact us directly.
✅ How to Stay Safe:
-
We will never ask for your bank card details, CVV, or other sensitive security information.
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Report any suspicious messages, calls, or activity immediately to reportfraud@marinersfinance.co.za.
Your security is our priority. Stay alert and protect your money.
Non-payment
– Non-payment of your account will result in an R69 service fee and 5% interest added monthly. If you fail to pay for two months, your account will be handed over to an external debt collection company, resulting in additional costs for your account.
– Not repaying your loan on time will decrease your credit rating and might make it challenging to qualify for finance at other credit providers in the future.