Salary Loan Eligibility Requirements

What is a Salary Loan?
It is a cash loan granted to an employed SSS member, currently- paying self-employed or voluntary members. It is intended to meet the member’s short-term credit needs. However, you should meet Salary Loan Eligibility to be able to get it.

Who are eligible to apply for an SSS Salary Loan?

  • Employed SSS member, contributing self-employed member, voluntary member
  • Must be under sixty-five (65) years old
  • Must not commit any fraud against SSS
  • The employer of the borrower must be updated in the payment of contributions
  • The borrower must not be granted the final benefit, total permanent disability, retirement, and death

    For One-Month Loan
    A member must have thirty-six (36) months posted contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of the application.

    For Two-Month Loan
    A member must have seventy-two (72) months posted contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of the application.
Salary Loan Eligibility

How much is the Loan Amount?

One-Month Salary Loan
It is equivalent to the average of the borrower’s latest posted 12 Monthly Salary Credits (MSCs), or the amount applied for, whichever is lower.

Two-Month Salary Loan
It is equivalent to twice the average of the borrower’s latest posted 12 MSCs, rounded to the next higher monthly salary credit, or amount applied for, whichever is lower.

Repayment Term
– An interest rate of 10% per annum
-It is payable within 24 monthly installments
-Monthly amortization will start on the 2nd of the month following the date of the loan. The due date will be on or before the payment deadline
– A penalty of 1% per month for every late payment on the due date
-Remember to only pay your loan at any SSS branch with accounting facility, SSS-accredited bank or SSS-authorized payment center

Schedule of Payment

For Regular and Household Employee

If the 10th digit of the ER/HR 13 digit number ends in:Payment Deadline Schedule
1 or 210th of the month
3 or 415th of the month
5 or 620th of the month
7 or 825th of the month
9 or 0Last day of the month

For Self-Employed and Voluntary Members

If the 10th digit of SS Number ends in:Payment Deadline Schedule
1 or 210th of the month
3 or 415th of the month
5 or 620th of the month
7 or 825th of the month
9 or 0Last day of the month

If you wanted to apply for a Salary Loan just click this link for a guide:
Guide on How to Apply for A Salary Loan

For more inquiries, you may contact SSS customer service using this number: (02) 8920 6446


  1. Paano po maebalik Yong email SA ka password ko SA SSS po Naka limotan ko Kasi ma’am & sir

  2. Tanong ko po almost 13yrs n na stop payment ko pero meron po ako contribution

  3. Ng apply aq salary loan ang loanabale amount kolang is 16k tas nets proceeds is 1400 only kasi my loan aq calamity loan..paano ngyari n last loan ko is 28k tas ngayon 16k lang..di q nlang tinuloy,,laki n ng contribution q sa inyo

  4. Pwede ba yan kahit may previous loan balance pa ako? Kasi last nov. Lng ako nag salary loan

  5. Bakit Po Ang tagal pumasok sa bnak account Yung salary loan ko April 19 pa po sya na approved bakit Po till now walapa rin.Ilan days po ba bago pumasok Ang Pera sa account..?

  6. Nagregister na po ako online pero ang problema is yung email for pw activation is putol or incomplete, wala po yung “click here” so that maroute ka sa activation ng pw. Ilang beses ko na po inulit2 pero ganon parin po yung email na natatanggap ko is there any way po to have that link? Pls help. Thanks

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