You do not have to have direct deposit to be considered for an SOS Loan.  CLICK HERE:  https://sosloans.com/requirements to see our minimum requirements to be considered for an SOS Loan.  Our minimum income and FICO score just to be considered for a loan is $6,500/month & a 550 FICO score. +18 years Must be 18 Years or Older CA Resident Must be a California Resident Income Must Have a Verifiable Source of Income Checking Account Must Have an Active Checking Account