Gusto mo bang umutang sa SSS pero hindi sure kung paano simulan? Don’t worry. Whether you’re employed, a voluntary member, or an OFW, this guide will walk you through how to apply for an SSS salary loan in 2025, the updated requirements, and tips para mas mapadali ang proseso.
What is the SSS Salary Loan?
Ang SSS Salary Loan ay isang short-term loan para sa mga qualified na miyembro ng Social Security System. Pwede mo itong gamitin sa anumang personal na gastusin—emergency man, tuition, o pambili ng gamit.
SSS Salary Loan Requirements
Before you apply, make sure you meet the following criteria:
- At least 36 posted monthly contributions, with 6 contributions within the last 12 months before application
- Your employer must be updated in remitting contributions and loan payments (if employed ka)
- No existing final benefit claim (e.g., retirement, total disability, etc.)
- You must be registered in the My.SSS online portal
How Much Can You Borrow?
- 1-month salary loan: If you have at least 36 monthly contributions
- 2-month salary loan: If you have at least 72 monthly contributions
Note: The loan amount is based on your average monthly salary credit (MSC).
Interest and Repayment Terms
- Interest rate: 10% per annum
- Loan term: 2 years (24 monthly installments)
- Service fee: 1% of the loan amount
- Late payment penalty: 1% per month
How to File an SSS Salary Loan (Online via My.SSS)
Step-by-step instructions for online filing:
- Log in to your My.SSS account
- Go to member.sss.gov.ph
- Enter your User ID and password. Don’t have an account yet? Guide to create an account: SSS Portal Registration Made Easy: A Step-by-Step Guide
- Navigate to “Loans” tab
- Select “Salary Loan”
- Select Loanable Amount
- Choose between 1-month or 2-month salary loan (depending on your qualifications)
- Choose Disbursement Option
- You need an enrolled disbursement account via DAEM (Disbursement Account Enrollment Module)
- Options: Bank account, e-wallets like PayMaya, or UMID-ATM
- Review and Submit
- Basahin nang mabuti ang summary bago i-submit
- Expect a confirmation email or SMS after submission
For Employed Members
After you apply online, SSS will notify your employer to certify your loan. The faster your HR certifies it, the sooner SSS can process your loan.
For Voluntary, Self-Employed, and OFW Members
Walang need for employer certification. Once submitted, SSS will process your application as long as your contributions are up to date and you have a valid disbursement account enrolled.
How Long is the Processing Time?
- If all requirements are complete, SSS typically disburses the loan within 3 to 5 working days
- Disbursement is through your selected bank or e-wallet
Tips to Avoid Delay
- Make sure your DAEM enrollment is approved and active
- Update your contact details in My.SSS
- Ensure your employer is active and compliant (for employed members)
- Check your contribution record before applying
What If You Have an Existing Salary Loan?
You must fully pay your existing SSS Salary Loan before applying for a new one. Partial payments or restructuring won’t qualify you for another loan.
Final Thoughts
Whether you’re in need of emergency cash or just want a financial buffer, SSS Salary Loan is one of the easiest loans to apply for — especially now that it’s fully online. Basta updated ka sa contributions at meron kang active My.SSS account, getting approved is much smoother.