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How to loan on SSS?

What is SSS? It’s the Social Security System in the Philippines which is the Government’s social insurance program for workers. It provides health and retirement benefits to enrolled Filipino workers including self-employed individuals via voluntary registration.

Salary Loan

Employees can apply for a salary loan worth 1 – 2 months’ salary. The salary loan is to be paid within 2 years in 24 monthly amortization. In order to apply, one has to present an employment certification to verify employment.

How to apply: Simple 5-Step Quick Apply

Step 1

Visit and click on “Register Now” button. Login to your account with your username and password. If you forgot your password, just call SSS hotline and request for a reset.

Step 2

Go to Salary Loan Transaction, scroll down and click Transactions, then select Salary Loan. Make sure to notify your employer about the loan to certify your application.  SSS will not approve your loan application without employer certification.

Step 3

Input necessary information required especially the amount you intend to loan. Do not forget to tick the agreement box, “I agree to the terms and conditions.” Then click Proceed.

Note: Maximum loan amount allowed is Php 30,000.00.

Step 4

You will be directed to a window with a button, View Disclosure Statement, click on it to see the details of your loan (amount of loan, changes, deductions, payment schedule and interest fee)

Step 5

The process takes 2 – 3 weeks before your check is released. You can also follow up with your HR Department so they can send you  an email once your check is available.


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