Is Advance SOS Loans Legit or Sketchy?

Is Advance SOS Loans Legit or Sketchy?

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8.5/10 (Expert Score)
Product is rated as #7 in category Reviews on Payday Loans


  • Piece-of-cake application
  • 150+ proven and reliable lenders
  • Installment loans up to $5,000
  • Online and early repayment options
  • Same-day fund deposit is possible
Editorial Note: This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the financial institution.

Company (Lender) Loan Amount Loan term Min. credit score Est. APR Funds available in

Advance SOS

Advance SOS

Cash Advance Loans up to $5,000 1-30 months No matther Depends on state regulations within 24 hours


What Is Advance SOS?

Advance SOS is a well-known quick loans aggregator and marketplace for online loans. They offer an online financial service that helps people looking for direct lenders they can trust. The company focuses on small cash advances from online direct advance lenders. Because of this, Advance SOS borrowers can find a loan online in only a few minutes.

Founded in 2019, AdvanceSOS’s goal was to make a safe and easy way for reputable lenders to connect with needy people. Since then, the company has worked hard to build a panel of reliable lenders in several states.

You can use the Advance SOS platform on any device connecting to the internet. Fill out only their short online application form, and they will put you in touch with your top loan deal.

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What Products Does Advance SOS Offer?

Advance SOS offers online loans up to $5,000 with repayment periods of up to four weeks. They have among their top products are

  • Cash Advance Loans
  • Online Payday Loans
  • Same-Day Deposit Payday Loans
  • Payday Loans for Bad Credit
  • Instant Payday Loans
  • Emergency Cash Loans
  • No Credit Check Loans
  • Installment Loans

But despite their vast network, if payday loans are banned in your state, they won’t be able to connect you with a lender.

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How Does Advance SOS Work?

1. Loan Requirements

Here are the most important things you need to do to get the best loan deals from AdvanceSOS,

  • Be at least 18 years old
  • Reside in one of the US states except
  • Have a regular source of income
  • Have a checking or a savings account
  • Receive paychecks through direct deposit

2. Rates and Fees

This depends on many things, like the lender and the rules in the state. A good rule of thumb is that for every $100 you borrow, you’ll need to pay back anywhere from $10 to $30. So, the APR for a $100 payday loan with a $15 fee is around 400%.

3. Payments Terms

On the due date, the loan amount and the fee will automatically be taken out of your bank account. Several bad things will happen if you don’t repay the loan by the end of the term. This list includes items costing you more or hurting your credit score.

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How To Apply for an Advance SOS Installment Loan?

1. Applying

Fill out our simple online loan application form. Please let us know:

  • How much you want to borrow (loan amount)
  • For how long you will need the money (due date)
  • What state you live in (zip code) and other information

2. Deciding

Your best online installment loan offer is ready to look at. Clicking on it will take you to your lender’s website, where you can find out more about your request. You are only one signature away from cashing out when you get instant approval on your loan offer. Before signing, make sure you agree to all the terms to ensure everyone is on the same page.

3. Receiving

Get your online loan money by the next day. If everything goes well with the agreement, you might get your money as soon as the same day. Watch out for holidays and weekends, as they can delay the release.

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Our Advance SOS Review

AdvanceSOS is a legitimate and safe service that help people with bad credit to online loans. The company works with trustworthy lenders all over the US to make a network of them. When borrowers use their service, they match the top lender to the borrower’s needs. After a quick but strict screening, they bridge borrowers to lenders who can serve them best.

But when you use AdvanceSOS, remember that they are only a connection service. They don’t lend money. This means that the terms of your loan agreement bind only you and your lender. So read over any contracts your lender gives you before you sign them.

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How to Reach Advance SOS’ Customer Service?

Reach Advance SOS through

  1. Calling us at (918) 544-52-99,
  2. Emailing us at [email protected], or
  3. Visiting us at 812 E Central Ave, Miami, OK 74354.

Advance SOS’s customer service is available Mondays through Fridays from 8 am to 9 pm EST. You can also reach them on Saturdays from 9 am to 6 pm EST.

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Frequently Asked Questions

Is Advance SOS Legit?

Yes. With Advance SOS, only the top direct lenders who meet real OLA standards can connect with you. Their network of 150+ legitimate lenders is available 24 hours a day, seven days a week. So they will treat you right and help you through the process.

Will Advance SOS Protect My Information?

AdvanceSOS uses the information you give them only to help your loan application. But they don’t give out, sell, or share your information with others without your permission.

Who Can Use Advance SOS to Get a Loan?

All applicants must be US citizens and at least 18 years old. You also need a steady source of income (at least $1,500 a month). Plus, an active checking account in your name and a way to contact you.

Can I Still Get a Payday Loan If I Have Bad Credit?

Even if you have bad credit or none, you might still be able to get a payday loan. The lenders in Advance SOS’s network look at more than only your credit score. Also, they care more about how much you can pay back than your credit history.

Is It Possible to Get More Than One Loan at a Time?

Getting more than one loan simultaneously takes a lot of work. So, most lenders only let people simultaneously take out one loan. Not even ones working with AdvanceSOS.

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Reviews of Advance SOS from TrustPilot

Advance SOS is a verified company ranked high by TrustPilot, scoring 4.7 out of 5. The company has received 25 reviews on the platform, all 5-star ratings. See what some of the happy customers have left in feedback about Advance SOS below.

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Is Advance SOS Loans Legit or Sketchy?
Is Advance SOS Loans Legit or Sketchy?

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