A smarter loan
Proudly South African
Finance & Loan Agency
SOS Finance is a proudly South African credit provider, committed to empowering individuals, students, SMEs, and mid-sized corporates with flexible funding solutions that unlock growth and drive sustainable success.
As a purpose-driven organisation, we place equal importance on social impact and shareholder value. From day one, partnership has been at the heart of our business model. Today, our group proudly supports over 100 ventures across the insurance value chain—each playing a vital role in advancing our mission to help more people build, protect, and secure 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.
Home Improvement/ Property Loans
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.
Personal Loan
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.
facts about us
Our Core Values
Our Purpose
At SOS Finance, our mission is to empower individuals and communities to build and secure a better future. We are dedicated to driving exceptional, sustainable, and inclusive growth by partnering with our clients, communities, and stakeholders to create true win–win outcomes.
We are guided by a strong commitment to:
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Care & Dignity – Treating every person with respect, empathy, and fairness.
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Innovation & Courage – Continuously seeking smarter, bolder ways to serve and support.
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Positive Impact – Acting as a catalyst for lasting, meaningful change.
Our vision is clear: to be the most trusted and preferred financial partner in every market we serve.
This vision is made possible by our culture. At the heart of everything we do is The SOS Finance Way—a set of values and principles that shape our decisions, actions, and relationships every single day. It is more than our work ethic; it is our way of life.
Ready to Start Now?
We Earn Your Trust. Because More Then, People Trust..