Guide on How to Apply for SSS Salary Loan

The SSS salary loan is the most availed program of the Social Security System or SSS. A member can borrow up to twice the average of their 12 latest monthly salary credits. The loan will be payable in 24 monthly installments. It comes with an added interest rate of 10% per annum based on its diminishing principal balance.

SSS Salary Loan

Good thing is that SSS has a new convenient way for members to apply for a loan. They can already apply for a loan online, with just a phone and internet connection you can apply anytime anywhere.

Here are the steps on How to Apply for A Loan:

  • Log in to your My.SSS portal account (Click here to log in My.SSS)
    If you don’t have an account yet, you can create now. You can use this guide: How to create a SSS online account
  • Once you already accessed the website, proceed to ‘Apply for Salary Loan’ under the Electronic Services drop-down menu
  • Click ‘Proceed’
  • Fill up all the information such as loan information and bank preference
  • Once you submit the request for Salary Loan. Your employer will be notified and they have 3 working days to verify your request. Make sure to inform your HR about your loan request
  • Once your employer certified your loan. SSS will notify you via SMS or Email regarding your loan. You can also check anytime your loan request in My.SSS portal
  • Once you receive and used the money, make sure to settle it monthly so that you can apply for a loan again. A PRN generated number can be used to pay your loan. it can be used in any SSS payment channel. If you are employed, your employer can deduct the loan from your monthly salary

If you need money it is a great thing that you can easily apply for a loan now. Take advantage of the convenient way of applying for a loan but make sure to be responsible when paying your debt.

1,235 Comments

  1. Dear SSS
    Bakit hindi po uli e open ang calamity loan para sa lahat dahil sa pandemic pa rin po. Ito po ay malaki maitutulonh sa tulad nmin. Maraming salamat po. Sana po mapansin po ito

  2. Ma’am gdaftrnon ilan buwan ang approval sa first loan sa SSS 96 months n po ang SSS ko nag apply ako first loan nong Dec 16 2021 hangang ngayon wala po txt sa akin

  3. hello papano angngagaein kung gusto ituloy ang contribution ng anak ko nasa abroad kasi xa 10years na at gusto sana nya na ituloy ang contribution nya kahit wala xa dito sa pilipinas

  4. Pwde po bng mg apply Ng salaryloan khit myron pa ako utang hndi ko pa nabayaran,ang kso lng kz inaplay ko sya s restructuring program Ng 2yrs to pay,kso hndi ko sya nahulugan lagpas n sya Ng 2yrs, pwde prin po b akog mg loan tpos ipakaltas ko nlng un s uutangin ko,my work nman n ako 2yrs.

  5. Iam applying for a renewal of my pension loan but sending is unsuccessful.i hv tried several times since feb 1 but the message says Try again.Please assist i need the money for my hospital needs.Thank you

  6. Gusyo ko sana makaman how much na contribution ko..at pano mag pay online? Pls hel pme..hindi kase ako makapasuk sa online nyo..

  7. Dear SSS,
    may i update my membership to continue my patronage in this intititution,, how can i update my recird,, tbx po

  8. Hello po magtatanong lang po tatanggapin po ba kahit expired ang nbi ng september 2021 ? Yun lang po kase ang meron ako sa list of valid id para sa salary loan sss salamat po

  9. Please help naman, hindi po updated ang information details ng tab sa apply for salary loan. Ang dami ko na mil sa sss pero 1 month na hindi pa rin nag ok…

  10. Kailan po magkakaron ng doctor sa mga sss branch kasi po magpapacheck up na ko stroke po ako nahihirapan po akog mag commute.

  11. Mam sir bkit Ang tagal ma aprub Ng ATM k nag gawa n Ako Ng demburstment account Metrobank ATM k

  12. Pede po b byaran kung kulng pa ng 22months provident loan kc 18 months na Yung MR. Ko wla n syang work.ngsara na Ang hotel na pinapasukan nya.

  13. Pwede ko pa po ba ipatoloy ang pag huhulog ng sss ko matagal ko na po cyan hindi nahologan at saan po ako makakoha ng sss id wla pa ksi ako sss id po simola pa nhinohologan ko ang sss ko atngayon v
    Gsto kna po cya ipapatoloy

  14. Pwede ko po bah pag patuloy sss ko matagl na po kasi hndi nahulogan mga 10 years na po

  15. Bakit po ang tagal ng approval sa disembursement enrollment sa banko? how many days po bago ma approve?

  16. pano po kya ang dapat kung gawin ang nanay ko po ay kailangan ng kumuha ng ACOP eh hirap na po sya mag lakad sa papag na nga sya kumakain naliligo at kung ano ano pa kya sana mabasa nyo ito pra mapayuhan nyo ko

  17. Ang pinasa kung papers para makakuha uli ng copy ng E1 sa sss damaguete mag 1 week na pero hangang ngayon di pa nagpadala sa email ko. Ganyan ba kalala ang sss sa dumaguete ngayon.kaylangan ku yan para makapasok ng trabaho.yan nalang hinihintay ko.

  18. Kailan ko malalaman ang resulta ng disability pension ko refund sa Processing Dpartment/Section alert level 2 na tayo maluwag na ang tagal na naming pina follow up yan

  19. I am applying for salay loan, kaso need daw pong i-update ang contact information, my question is, pwede bang gawin ito online or need pa talagang magpunta sa SSS branch to submit my e4??? Thank you and Godbless.

  20. I am applying for salay loan, kaso need daw pong i-update ang contact information, my question is, pwede bang gawin ito online or need pa talagang magpunta sa SSS branch to submit my e4??? Thank you and Godbless.

  21. Gud pm Po pnu Po mkka kuha Ng PRN thru online kac pra mka byad aq Ng sss contribution q,at salary loan Ng mr.q,Sana Po msagot nyo Po sss,

  22. Mag inquire lng po aq, about po sa. Mr q, nag job order po cya sa Municipyo po ng Hagonoy, Bulacan,, ask q lng po,, kulang 2yrs po cya nag job order,nais q pong Malayan kung nahulugan po dto.???

  23. Nagloan po ako, online, hindi po naapproved dahil sa mga hinihingin mga docs.

    Selfie photo: selfie ko un SSS id card ko, Pero reply po, POA/ID/Document not icluded in selfie photo. Anung document po un kailangan?

    ID/Card Document: SSS id, pero ang reply po sakin not valid daw. Anung valid po un kailangan?

  24. Bkt mahirap mag loan s inyo ngyn laging busy yun site, Di b puwde pumunta n lng s SSS para at least di kami maloko s online. Hindi lahat marunong s online. pls. ibalik n nyo yun dating face 2 face.

  25. Gusto ko Po magloan sa SSS..pano Po ba malalaman un PRN # sa SSS..ala Po Kasi Ako eh..nalimutan ko din Po un dati Kong account eh..I need help please..

  26. Mam/sir patulong po akong senior na po ako,papa lump sum ko po yong SSS ko…

  27. Magandang araw po! Gusto ko mag pension Load dahil wala na akong work.magkano ho! Ang makukuha ko..need subra nang money para makabile sa mga kailanganin ko.

  28. Good Morning po paano pp maibalil ung account q pp kc na unlocked ung account q sa Sss

  29. Tanong lang po tungkol sa ACOP last wk. nasadya ako sa SSS Caloocan EDSA angnakusap ko ay ang security na sabi sa akin di na raw kailangan magreport kapag retirement pensioner yun lang daw survival pensioner ang obligadong magreport sa inyong tanggapn, tama po ba, tama pa ang kanyang sinabi? Kailangan ko po ay tamang sagot sa bagay na ito, salamat po at magandang araw po sa inyi

  30. may 1year akong hulog at ang monthly 150 pierday puwidi bh ako maka loan at sa ngayon nagmonthly ako ngayon 650.anong gawin po.

  31. maam/sir bakit wala pang laman atm ng asawa ko nag-apply kami ng salary loan nong march 4, 2022 hanggang ngayon wala pa rin. Approved naman ng banko at ng employer nila.

  32. 64 years old na po ako,pero wala pa po ako pensiongang ngayon.Pano po ako inquire? Pls po paki tulungan naman ako.Salamat po

  33. Paano po mag palit ng benepisyare ang benepisyare ko ay nanay ay namatay na wala akong asawa at anak.?

  34. Paano po mag palit ng benepisyare ang benepisyare ko ay nanay ay namatay na wala akong asawa at anak.?

  35. Pwede ko poh malaman kung ilan months na ang aking contributions at paano ko poh mahuhulugan ang hindi ko natapos na loan,,thank you

  36. Dear sss bkit ang hirap mag apply retirements benifits 269 months hulog ko sss nagfile nko retirement hindi nagrèply sss kung may approve retirement ko.

  37. Gudam SSS,mag ask lng ko, mayroon akong previous loan 2019.tapis d ko nabayaran until now dahil pandemic..
    Tapos pwede ba mka loan uli.

  38. Good pm po. Tanong lang po. Nagfile po ako sa sss nung october po dahil naoperahan po ako. Until now po wala parin po. Saan po kaya ako pwede magfollow up para malaman kopo kungmaaaproved papo kaya sya. Tnx in advance po sa sasagot.

  39. Pwede po ba ako mgloan kc 1yaer kuna hindi nahulogan pero 10years na rin po ako nakapgbigay ng contributions,hindi ko pa kc nasubukan nagloan,

  40. sss bakit ganun?tagal n ako nkbyad ng loan ko bakit d p nkpost nklagay may kulang p ako samantalang byad n..anu gawin ko para maayos n ang loan ko

  41. Hello po., ask ko lang pwedi ba mka pag loan ang hindi na nag contribute? Peru nka pag contribute na ako lagpas na ng 10 years. Gusto ko Sana mag loan pwedi po ba at Kung sakali man pwedi, paano ang process.

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  52. Hello po SSS,c fsther ko pstay,sng hunahap ay kong,ako ay beniffisciary,kasu de ki maayos ang BCertificate,kota kailangan ang sign ng father,,oatay na po cia,,isa po ba akong beniffisciary nia?Edna D Aldon,Sept 26,1957…,c fsther Anacleto Escresa Aldon July 4
    ,1931 po,puede po bang malaman na kong ako po ay kanyang Beniffisciary,,,

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