List of SSS Cash Loan Requirements 2026 for Employers of Member-Borrowers
SSS CASH LOAN REQUIREMENTS 2026 – In case the application will be filed by your employer, you can check the documents required by the Social Security System below.
In the Philippines, employees who are working in the private sector are mandated to maintain active memberships to the Social Security System. More popularly called SSS, the state-run entity extends several financial offers that widen the options of members.
The Social Security System ahs several benefit offers for members that can attend to different situations like unemployed, sickness, and disability. There are also several SSS loans that members may turn to. One of them is the Salary Loan, the multi-purpose cash loan offer of the state entity.
The Salary Loan offer is open for both employed and self-employed members of the state-entity. However, it is important to know that there is a unique set of SSS cash loan requirements for the salaried members whose loan application will be filed by their employers.
Before checking on the SSS cash loan requirements for loan applications that will be filed by your employer, it would be great to have a quick recall of the membership coverage offered by the social insurance giant. There is a compulsory coverage as well as voluntary coverage which are as follows:
Compulsory Coverage
- Employer (Business or Household Employer)
- Employee
- Self-Employed
- Househelper or Kasambahay
- OFWs
- land- and sea-based; except for Filipino permanent migrants, including Filipino immigrants, permanent residents and naturalized citizens of their host countries, who may be covered on a voluntary basis
Voluntary Coverage
- Non-Working Spouses (NWS)
- Separated Members
Before checking on the SSS cash loan requirements that should be submitted to the state entity, it is important to check the eligibility requirements for application first. To qualify for the loan offer, the member-borrower should meet the following qualifications:
With regards to the qualifications or the SSS cash loan requirements in terms of eligibilities for application, here is the eligibility criteria that a member-borrower must meet:
- currently employed, self-employed, or voluntary member of the Social Security System
- must have posted at least 36 monthly contributions in the SSS account
- has not received any final benefit from the SSS
- if employed, the employer must be updated in the payment of the SSS contributions
- 65 years old and below at the time of the loan application
- has not been disqualified due to fraud committed against the SSS
The loan applications of working members of the Social Security System may be filed by the employer. Here are the SSS cash loan requirements that should be submitted:
- duly-accomplished Member Loan Application Form
- Letter of Authority (LOA) from employer
- Member-borrower’s SS card or Application for SS card (SS Form E-6) acknowledgment stub and two (2) valid IDs
- two (2) valid IDs both with signature and at least one with photo
The ID of the member-borrower is part of the SSS cash loan requirements for application. The following documents are accepted by the social insurance giant as long as they are within their validity period:
- Company ID
- School ID
- Professional Regulation Commission (PRC) ID
- LTO Driver’s License
- Senior Citizens Card
- Seaman’s Book
- Voter’s Identification card/affidavit/Certificate of Registration
- GSIS Card
- Pag-IBIG Member’s Data Form
- Postal ID
- Baptismal Certificate
- Tax Identification Number (TIN) Card
- Overseas Worker Welfare Administration card
- ATM card with cardholder’s name or with certification from bank
- Health or Medical Card
- Police Clearance
- Credit Card
- Transcript of Records
- NBI Clearance
- Marriage Contract
- Seafarer’s Registration Certificate issued by POEA
- Bank Account Passbook
- Certificate from:
- Birth/Baptismal certificate of child/ren
- Life Insurance Policy
- Office of Muslim Affairs
- Office of Southern/Northern Cultural Communities
- Certificate of Licensure/Qualification Documents/Seafarer’s ID and Record Book from Maritime Industry
- Certificate of Naturalization from the Bureau of Immigration
As mentioned, aside from the loan offers, the Social Security System also got different SSS benefits that members may turn to.