Guide on SSS Cash Loan Amount 2025 Allowed for Member Borrowing
SSS CASH LOAN AMOUNT 2025 – Here the details about the minimum and maximum loanable amounts for the qualified members of the Social Security System.
Millions of Filipinos are members of the Social Security System or SSS. The social insurance giant offers both voluntary and compulsory coverage which have paved the way for its multi-million member populace. Employees of the private companies are mandated to maintain an active membership to the social insurance giant.
Business and household employers as well as self-employed individuals and household helpers are also under a compulsory coverage to SSS. Several land and sea-based overseas Filipino workers may also qualify to the membership to the state giant.
Non-working spouses of SSS members may opt to apply for a membership to the Social Security System. There is a huge advantage in being a member of the SSS with the loans and benefit offers that it has designed for members.
Aside from the SSS Calamity Loan offer of the Social Security System, the Social Security System also has the Salary Loan offer. It is a multi-purpose cash loan that was designed to help the qualified members meet their short-term financial needs.
The SSS Salary Loan or cash loan offer is open for currently employed, self-employed, or voluntary members who have posted at least 36 monthly contributions in their SSS account and have not received any final benefit from the state entity.
The social insurance giant also requires the member to be 65 years old and below at the time of the loan application and has not been disqualified due to fraud committed against the SSS.
With regards to the SSS cash loan amount allowed for borrowing this 2025, the amount actually depends on the total contributions posted by a member. The social insurance giant has outlined two (2) basis for the borrowing amounts.
Here is a guide on the SSS cash loan amount allowed for borrowing:
One-Month Salary Loan
The minimum loanable amount under the SSS loan offer is equivalent to a one-month salary loan. This amount is equivalent “to the average of the member-borrower’s twelve (12) latest posted Monthly Salary Credits (MSCs), rounded to the next higher MSC, or amount applied for, whichever is lower”.
Two-Month Salary Loan
The maximum loanable amount is the two-month salary loan which is “equivalent to twice the average of the member-borrower’s twelve (12) latest posted MSCs, rounded to the next higher MSC, or amount applied for, whichever is lower”.
In applying for the loan offer, the documents that have to be submitted depend if the loan application will be filed by the SSS member himself/herself, by an authorized representative, or his/her employer. Here’s a guide: