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SSS SALARY LOAN: How To Apply For Salary Loan To SSS

Steps on How To Apply for SSS Salary Loan

SSS SALARY LOAN – Here are some steps on how to apply for a salary loan to the Social Security System.

Through the Republic Act No. 8282 in 1997, the Social Security System or more commonly known as SSS was established. It is an insurance program that is governed by the state.

Most employees who are working in private companies and establishments are insured under the SSS. Some members are also non-working individuals who applied for SSS membership.

Photo Courtesy of iMoney

If you are a member of the SSS, there are actually a lot of perks and privileges. You will have to pay a low monthly contribution but upon reaching 60 years old with at least 120 monthly contributions, you will be entitled to a monthly pension.

Another benefit offered by the state-run insurance program is the SSS Salary Loan. Members of the program who are qualified for the said loan may borrow money for their personal purposes.

According to SSS, a member who has paid at least 36 monthly contributions with six (6) of it within the last twelve months may be entitled to a one-month loan. For example, if the SSS member is earning Php 15,000.00 a month, he or she can borrow Php 15,000.00 from the social insurance institution.

If a member has 72 monthly contributions with six (6) of it posted in the last 12 months, he or she is entitled to a two-month loan. In this case, the member who is earning Php 15,000.00 a month may borrow Php 30,000.00 from SSS.

The following are the other qualifications to the SSS Salary Loan:

  • The employer of the member-borrower must be update in terms of contributions
  • The member should have not availed any final benefit like retirement and total permanent disability
  • The member who want to borrow money must be younger than 65 years old when he or she applied for SSS membership
  • The member-borrower should not have committed fraud against SSS and has been disqualified

Do you want to know how much you can borrow under it? Feel free to visit – SSS SALARY LOAN – Minimum and Maximum Loanable Amounts.

SSS salary loan

How to apply for an SSS Salary Loan?

If you wish to personally process your salary loan application, you may follow these steps:

Step 1: Visit the nearest SSS branch and ask for a copy of the Member Loan Application. You may also download it from the website of the SSS.

Step 2: Fill-up the Member Loan Application Form with factual and accurate information.

Step 3: Prepare the requirements including your SSS ID and at least two Philippine valid IDs. For the full list of requirements, visit: SSS Salary Loan Requirements.

Step 4: Bring your duly-filled up Member Loan Application Form together with your requirements to the nearest SSS branch where you plan to apply for a loan.

If you have a My.SSS account and you wish to apply for an SSS Salary Loan online, you may follow these steps:

Step 1: Log in to SSS Online or your My.SSS account at the official website of the SSS – https://www.sss.gov.ph/.

Step 2: Look for the E-services and click it. Choose “Apply for Salary Loan”.

Step 3: The SSS will present to you the loanable amount for you based on your contribution to the government agency.

Step 4: Provide your mailing address and postal code where you want the check to be sent to re-confirm your application.

Step 5: Inform your employer or the HR of the company you’re working at regarding your loan application. A message from the SSS will be sent to their My.SSS account regarding your application. It needs approval from your company or employer.

In case your loan application is approved, your check will be sent to the mailing address that you have provided together with a stub that you must present to the HR of the company you’re working at.

READ ALSO: SSS LOANS: 3 SSS Loan Offers For Members & How To Apply For Them

{ 90 comments… add one }
  • Zoilo L. Carabbacan jr August 29, 2020, 7:15 pm

    How can you know if your loan is unsuccessful due to incorrect bank account. Can an employee will reapply again?


  • Zoilo L. Carabbacan jr August 29, 2020, 7:16 pm

    How can you know if your loan is unsuccessful due to incorrect bank account.


  • EDUARDO HILA September 1, 2020, 10:15 pm

    Calamity loan

  • Nimfa Baat Pedro September 4, 2020, 5:55 am

    Salary loan

  • Benjamin Cariaga September 5, 2020, 3:05 pm

    Paano po mag apply ang 67 y/o ng loan at magkano ang maaaring hiramin.
    Kasama po ba ang Employer Contribution sa computation ng pensions.?

  • Virgilio Claro Aquino September 7, 2020, 6:11 pm

    Can I take a loan even with a salary loan balance?

  • Joel tacolod September 15, 2020, 10:49 am

    Very informative it can help a lot to anyyone

  • Consuelo Adela M.Frias September 18, 2020, 4:21 pm

    What if I’m voluntary member since our company did not remmit our contribution

    • Franc gerald mula August 23, 2021, 6:16 pm

      Add ne

    • Cauyan irene anoche October 4, 2021, 12:22 pm

      Hello sss , just want to inquire about my contributions ,i left philippines for 3 yrs this december and now working as ofw , i have previous loan and i want to continue my voluntary payment ,can you assist me on how to proceed by voluntary payment.
      Your response is highly appreciated

      Thank you
      Irene anoche cauyan
      June 19,1981

    • Lucena October 28, 2021, 2:27 pm

      I want to apply for a salary loan in an amount of 15 000 pesos.

  • Merry chris September 19, 2020, 2:36 pm

    Thanks for the info

  • Arnel Q Miñada September 19, 2020, 7:23 pm

    gagamiten ko sa loan ko po ay..mag gawa ako nang kolongan nang baboy…para sa busenes ko.

  • Maria victoria calizar September 20, 2020, 9:56 am

    Good morning, ask ko lang kung pwedi akong mag renew ng salary loan simce i have existing calamity loan, mattapos ang salary loan ko ng nov 2020. May start plang ang payment ng calamity on dec 2020.
    Thank you

    • Aubrey October 26, 2020, 1:27 pm


      Same tau ng sitwasyon, ano po reply sau?

      Thank you!

    • Fernando Frigillana June 19, 2021, 9:38 am

      Ask ko lang papaano bayaran ang existing loan sa SSS

  • Shiela importante September 24, 2020, 3:52 pm

    Kailan po ako pwedeng mag loan 1 year na po sa sept. 27,2020

  • Jim boy D maglanque October 2, 2020, 8:09 am

    Pang gastosin PO sa pang araw araw gatas ng anak at pag gawa ng sahig po namen salamat

  • REYNALDO T. CORDOVA October 31, 2020, 12:04 pm

    Paano mag apply ng MY SSS account

  • belinda baliguas November 5, 2020, 12:08 pm

    good day! pdi po ba mag apply ng calamity loan (covid19) khit my previous loan?

  • Ma.victoria barbarona aurel November 26, 2020, 10:09 pm

    Tanong ko lang po Kung nahulogan po ba ng employer ko ung sss ko po..nawala po kasi sss ko Hindi ko po matandaan sss number ko..pano po ba mag verify

  • Marifa gonzales November 27, 2020, 6:41 pm

    Pwde po ba ako magloan sa SSS
    Dahil nangangailangan lng poh ako..

  • EUNICE SOL BAGNOL TAGBAC November 29, 2020, 5:07 pm

    Gud day ask lng po pwede mag pa I d in your office?

  • Margie Dragon December 1, 2020, 7:07 pm


  • Neil Ruela M. December 2, 2020, 1:08 am

    How upply

  • Dexter Malabao December 3, 2020, 1:23 pm

    For my salary income

  • Dexter Malabao December 3, 2020, 1:24 pm

    Tanks for the information

  • Alberto C. De Villar December 3, 2020, 1:46 pm

    Ask ko lng po, my balanse p aq s dti kong loan, pwede b aq mag loan uli?slmat

  • Rose Ann O latorre December 4, 2020, 6:07 pm

    Panu Po ko mgapply Ng calamity loan kng hnd p Po ko Ng salary loan. Pwd Po b un.

  • Jimmy mabuting jr December 7, 2020, 7:09 pm

    Gusto kupo makaloan para po sa gamot po ng mama ko

  • John tome December 11, 2020, 11:00 pm

    Mahal kita

  • Jamel rojo December 14, 2020, 8:37 pm

    Gagamitin ko po ang loan na ito sa negosyo kahitbmaliit na store lng para may pag kakitaan sa araw araw .

  • Emman burgos December 18, 2020, 5:11 pm

    How to apply a SSS account.?

  • Edwin minoza December 20, 2020, 7:38 pm

    Cash loan

  • Elmundo salandanan ferrer December 22, 2020, 11:01 pm

    Mam ser how much may loan . See.

  • Dejaven Colombo December 23, 2020, 6:59 pm

    Pano po mag loan

  • Beltran Dimaculangan December 30, 2020, 10:21 pm

    sir/madam pano pi saken invalid na po user id / password ko.

  • Wilbert l basa January 7, 2021, 9:58 am

    Bakit 21k lang ang salary loan ko pero ang loanable amount is 40k..wala na ako loan since april 2020.thanks

  • Sheena Gumabon January 14, 2021, 4:50 pm

    Gawa po Sana ako account para po remittance…

  • JOEL ACOSTA DULAY February 7, 2021, 9:40 am

    makakaloan po b ako kht na stop po ung hulog ko gawa s pandemya

  • Carla Mae February 23, 2021, 1:39 pm

    I want to loan how to apply

  • Anna Luna J. Borja March 30, 2021, 3:58 pm

    Pedi poh, aq mg calamity loan gagamitin ko poh, pan dagdag sa pmbili Ng materiales s pag gagawa Ng mga motor at sasakyan Ng aswa ko. Pra poh mdagdagan Ang Kita namin plzz….poh, Sana pumyag kau….

  • Romell Claveria April 24, 2021, 3:15 pm

    can I loan next week by monday

  • Romell Claveria April 24, 2021, 3:19 pm

    good day can I loan this coming Monday April 24 2021 thanks

  • Jonavie joy lidem April 30, 2021, 9:09 am

    Ask ko LNG po kung pano po pag dpo nahulugan ung salary loan.?

  • Charly Ricaplaza May 24, 2021, 2:59 pm

    Buy materials my house

  • Irene Mae Ayon June 13, 2021, 4:19 pm

    Saan ko po pwede malaman at makikita ang aking contributions kung naka ilang taon na ko nag contribute?

  • Lomie balustre June 16, 2021, 8:55 pm

    Hi mam can I borrowed a money mam. 49 contribution in my sss mam. I will apply as calamity loan mam.
    Keep in touch 09635613289

  • JelitaTero June 21, 2021, 12:51 pm

    Help naman po ilang araw ba bago narecieve ung naaprove na na salary loan?

  • Agnes Y. Bugay June 23, 2021, 1:55 pm

    Pwede po b mgloan yung nka 60 mnths monthly contribution.

  • Esnar Villanueva July 16, 2021, 11:54 am

    Nice move SSS…THANK YOU.

  • Eduardo M. Viloria Jr. July 24, 2021, 8:14 pm

    Paano po mag salary loan?thanks po

  • RONILO Orbeta Remonde August 12, 2021, 2:46 pm

    Pwede po ba ako mag apply ng calamity loan?

  • ANSELMO BOQUE ABAINZA Jr August 14, 2021, 5:37 pm

    Ask q lng PO ma’am & ser nag loan po KC aq Hindi maaprovahan gawa laging lumalabas .as a Temporary SSS no naka punta n po AQ s branch NG SSS para ipa permanent q ung SSS no q s panggalan q noong feb.hanggang ngaun Wala p pong appdate

  • Marlon lopena August 14, 2021, 7:40 pm

    Mag.loan Po mag.ninigosyo Po ako Lalo na lockdown ngaun kailangan kumita

  • Roderick G. Dizon August 18, 2021, 12:17 pm

    ask q lng po kung ano ang gagawin kc po 82 yrs old npo tatay q ntigil n yung pension nya nung may tapos hnd nmin nai update sa sss nung ng b-day sya kya po wala na syang ntatanggap na pension.ano po kyaganda nmin gwin mahina npo tatay q at hnd npo malinaw yung pg iisip at ulyanin n.sana po mapayuhan nyo kmi.

  • bimar john gomez August 18, 2021, 1:12 pm

    mag loan ko og 20k kay akong enigosyo

  • Jimmy Acma August 18, 2021, 11:35 pm

    Loan balance status.

  • alma palasan abecia August 23, 2021, 3:27 pm

    Yes!Hello po ma’am @Maria Victoria Calizar…
    According to our Republic of the Philippines [email protected] Roa Duterte, Approves OFBank
    Exemption from Remitting 2016
    Earnings to Gov’t

  • bimar john gomez August 25, 2021, 11:26 am

    20k gawa ako nang bahay

  • Jhon Paul Gonzales August 25, 2021, 7:03 pm

    Maare ko bang makuha

  • Ruben P. Garcia August 26, 2021, 7:26 pm

    I wanted to Loan at SSS.but i’am already receiving my SSS pension. I may qualify coz I need to replace the roof and repair the ceiling.

  • reagan jurial August 27, 2021, 7:06 pm

    gud evening po ask ko lng po kung pwd na po ba akong magloan…

  • Lida Agbaya September 13, 2021, 7:23 pm

    Pwede ko po ba malaman kung magkano pa po Yung loan balance ko since nman na voluntary lang nman ako..babayaran ko na po Kasi Lahat Hindi po Kasi parepareho ng amount kapag nagbabayad ako.thanks po

  • Andrew Paredes Mandi September 15, 2021, 8:09 pm

    Voluntary member po ako for more than 8 years na….quarterly po ang aking payment @ Php 5,850/quarter…magkano po kaya ang pwede kong ma-avail na loan?

  • Arlene oliva capillo September 23, 2021, 6:27 pm

    Pno po lakarin ang sss ng tatay k n nmatay n at kng puede lumsum loan nlng kc po nd cla married ng mother k at beneficiaries nia duon e mother at brother nia n mga nmatay ndn po …no po mga requirements kng sakali …at kng puede po bng ilipat nlng s mother k ang pension nia

  • ricky canoso medrana September 29, 2021, 11:47 am

    How To apply for dim

  • Jose jorry diente salazar September 29, 2021, 5:34 pm

    Apply salary loan

  • Rellyboy deleon jadloc October 1, 2021, 11:12 pm

    Pang dagdag puhunan

  • LUZBIMIN D.PILAPIL October 2, 2021, 5:56 pm



  • vanity October 3, 2021, 6:01 pm

    i am voluntarily paying my SSS and i want to ask how to make a loan, i am a housewife and currently not affiliated to any working establishments but paid my monthly dues accordingly, may i know what are the requirements on how to apply? thank you.

  • Carl Patrick manio October 5, 2021, 7:25 pm

    Thank you ma’am

  • Carl Patrick manio October 5, 2021, 7:26 pm

    Done ma’am

  • john gerald adoviso pardillo October 6, 2021, 6:06 pm

    paano ho ba makuha ung salary loan ko po

  • Judith Tayong October 6, 2021, 10:51 pm

    hello SSS.May existing loan balance po ako when i resigned from my previous employer.Now I have a new employer and has started deductions for my contribution.Can I apply for a new loan and have my previous balance deducted from my check? Thanks for the assistance!

  • Elpidio B Flores Jr October 7, 2021, 5:14 pm

    Yung mga self employed member po ba nakaka avail ng mga natatanggap ng na covid na member.

  • HEBREO F DADAN October 9, 2021, 8:08 pm

    Good Day Sir/Madam
    By the way maaari po bang magtanong Kong papaano po mag-loan ng SSS ,kasi nais ko sanang subukan Kong pwedi na po ba,,, almost more than 3 years na po akong nagtatrabaho sa isang Company po,,,,I just want to clarify lang po,,,, Maraming Salamat po sa inyo,,,

  • Jimmy alas October 10, 2021, 10:26 pm

    Paano maka loan sa sss ko,

  • Lucia matullano October 25, 2021, 8:46 pm

    Ask ko Po Kung pano ko Po malalaman Ang utang ko noong 2016 p Po. Nais ko pong mag loan ulit po.

  • Lucia matullano October 25, 2021, 8:49 pm

    Voluntary Lang Po ako… Makakapag loan p Po b ako if mabayaran ko Po Ang utang ko Ng 50% . Salamat Po

  • Richel Dacules Cabacungan October 28, 2021, 1:49 pm

    Tanong ko lang po kung ilang months na po yung na contribute ko po sa SSS ko. Tnx po Godbless

  • LeiLani gavino November 17, 2021, 2:53 pm

    May exciting salary loan ako.na a ply ko po ng condonation. Pwede po ba I renewal loan ko nlng ito.ngyon pandemic.

  • felicita November 18, 2021, 1:29 pm

    how to avail loan

  • Ronald monteclaro November 18, 2021, 1:33 pm

    Paki Check kulang po kon Ilan taon na Ang hulog sa SSS

  • REGIE LACAMBRA November 18, 2021, 8:48 pm

    how to update my number of sss

  • Joseta November 19, 2021, 8:03 am

    I am already 68 years old , but O am interested to apply for a loan for my project..
    I am fully vaccinated and can still drive may car..
    Please acknoledge here in request.


  • Renato t. Dela rosa November 21, 2021, 3:44 pm

    Paano po kung may utang ka pa?hindi pa nabayaran!
    Pwede kaya,umutang ulit!

  • Abdullah December 1, 2021, 8:08 pm

    Sana pera ko pota Ina mo

  • Zaldy betita December 2, 2021, 8:54 pm

    Charm mae s betita chazie mae betita zaldy sorena betita CALAWIS brgy poruk 4

  • raul dignos February 20, 2022, 8:40 pm

    sss salary loan hindi ako marong mang online.ano ang gawen ko.
    mang aply

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