Remittance, loan, contribution, ID, benefits and membership help information guide

What is SSS Salary Loan and Who May Qualify

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sss loan

SSS Member Loan

A salary loan is actually a short term loan offered to SSS members by the Philippine Social Security System to meet any immediate need for cash by any SSS member. The next question would probably be who can qualify to make an SSS loan? So far, in the SSS website, there are basically 5 pointers with which any member may qualify for a salary loan. Please read below.

Who Is Qualified to Make a Loan? (info taken directly from SSS website –

1. An employed, currently paying self-employed or voluntary member (SE/VM) who has 6 posted monthly contributions for the last 12 months prior to the month of filing of application.

  • For one-month loan, the member-borrower must have 36 posted monthly contributions prior to the month of filing of application.
  • For a two-month loan, the member-borrower must have 72 posted monthly contributions prior to the month of filing of application.

2. If the member-borrower is employed, the employer must be updated in contributions and loan remittances.

3. The member-borrower must be updated-current in the payment of other member loans, which include educational, stock investment, MADE & housing loans granted under the Unified Housing Loan program (UHLP) or direct from SSS.

4. The member-borrower has not been granted final benefit (total permanent disability, retirement and death).

5. The member-borrower has not been disqualified due to fraud committed against the SSS.

Please note that credit on basic guidelines of who may qualify to make an SSS salary loan from the official websites of SSS.

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168 Responses to “What is SSS Salary Loan and Who May Qualify”

  • maricar calingasan says:

    may i ask f im qualify for loan, im former ofw and now im self-employed.. i wnt to have a loan in sss…

    • Liezl B.Palomeno says:

      Gud day po..ask q lng po kng mkakapag salary loan po mother ko….kya lng po may balance pa po xa s dti nyang nloan!!mkakapagloan po kya xa?pls reply

  • josan onsay says:


  • josan onsay says:


  • SSS Philippines says:

    @ Maricar, if you passed all 5 requirements mentioned above, I believe so that you are qualified to apply and get your SSS loan. If you were able to pay at least 36 SSS remittance payments to the SSS in the past and you have no other existing loans or outstanding balances, then that makes you legible for the loan.

    @Josan, you can only be blocked from the SSS online inquiry if you repeatedly tried to access your account entering the wrong username password combination. However, I am not implying that you made this mistake but there is little or no chance at all that your account could get blocked if you did nothing wrong in the process of logging in. All I can suggest to you however is to fill up a form of request of new SSS password. This might take time but this is the standard process that nobody is spared of when instances like this happen.

  • memie says:

    Hi,gd day im member of sss since 1997,i want to apply loan as a salary loan,im working here in cyprus more thean 4 years,f possible can u send me some informattion on how to avail loan?even im here in abroad?

  • km says:

    in which banks can we encash SSS checks?

  • SSS Philippines says:

    encashing of SSS checks are only done in PNB Bank branches po.

    • Sally says:

      Magkano po ang pwede ma loan kung firt time mo lang magloloan? salary loan po ito.equivalent ba xa sa 1 month salary? say my basic is 30k how much yung pwede ko maloan? Please advise.

  • loi says:

    Will you please send me a feed back if if the account of Mrs. Delfina Pedrasa is still receiving her monthly pension?, Becuase she was past away already 3 or 4 months from now?..

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  • Rhodora Manuel says:

    Ask q lang po sana, gusto ko sanang ipa activate ang membership ko sa SSS, kaya lang po ay nakalimutan ko na ang SSS number ko Pano ko po ba malalaman ang SSS number ko? im currently working in Kuwait.

  • raymond says:

    im contributing to sss now for more than a year but not yet in 24 months. can i still avail of the SSS salary loan?

  • Jay Frane says:

    nablock po ung user account login ko sa sss website.. paano po kaya marerecover un? e2 pong id number ko…0416532340,,, gusto ko po kzng malaman kung ilan na ung contributions ko… kindly mail to me….. tnx..

  • Elver Arguedo says:

    Why PNB didn’t encash my SSS Check worth 12,000, the approving officer said that they will only encash SSS check amount below 10K…Why it happen?

  • Virgilio P. Belga, Jr. says:

    I’m looking at your downloadable forms but I can’t see the SE/VM form. I am a Voluntary member for almost 3 years now and wanted to have a Salary Loan. Thanks.

  • Carlo Val Gocela says:

    I also experience that my SSS loan check was not accepted by PNB. In the SSS check it was clearly displayed that SSS check is accepted in all PNB Banks.

  • matronilo miole says:

    Hello gud pm. Pls. gusto ko lang malaman ang sss number BBJ Construction kc kailangan ko sa pag sa sign in sa sss website.

  • lorie says:

    hi!pwedi ko pa kayang ma-retrieve ang sss number ko?16 t0 17 years ago na kasi yun..tapos nag-abroad na ako.thanks for helping..

    • SSS Philippines says:

      Pwedeng pwede po hulugan ulit ang account as long as you still have the SSS number or if you kept a copy of the number pero kung talagang retrieval po, you can ask the sss admin.

  • Edz says:

    hi, pwede pong photocopy ng passport yung ipresent along with the company ID to apply for a loan?

  • LAiney says:

    hi ….I still dont have my SSS ID….can I apply for salary loan?what do i need?

  • Nessie says:

    I resigned from my previous employer on March 2010. Now I’m with a new employer and my status with them currently is trainee. More than 40 months na ang contribution q and the latest posted month was for January 2010. Pwede na kaya aq mag-apply ng salary loan? Please helppppp….wala pa aqng na-avail kahit isang benefit, first time ko rin mag-apply ng loan if ever I am qualified.

  • lady quemuel says:

    Can I file a salary loan if I just declared my status change from single to married?If it’s possible,what type of id card will I have to submit?Does it have to include my married last name or my maiden name?thanks.

    • lady quemuel says:

      please reply asap.thank you.please include all the information that I need to know including the an addition,my status with my employer is married.

  • Jane Magtoto says:


    I’m currently unemployed and would like to start a small home business of my own. Am i qualified to get SSS loan?

    I’ve been giving contribution to SSS since 2006.

  • Katrina says:


    Do I need an sss ID to apply for the loan? I am already a member but don’t have an ID yet. Thanks!

  • arnie says:

    i just want to ask if im already qualified to apply for a loan even i had only 20 contributions?

  • arnie says:

    need your reply as soon as possible..thanks and God bless!

  • rebecca de castro says:

    gud day!!! ask ko lang po kung paano po ako uli makakapag loan,kasi po almost 9 years ko na pong hindi nakakahulog.dati po akong ngayon po nandito po ako sa pilipinas…
    ano po ba ang mga dapat kun gawin para makapagloan uli at ilang months po ang require para makapagloan ako uli.willing naman po ako na ituloy yung hulog ko,kaya lang po baka self employed na lang po.
    sana po ay matulungan ninyo ako sa katanungan ko.MARAMING SALAMAT PO!!!!

  • dote says:

    Ask ko lang po pwede na po ba ako mag loan ule?Nabayaran ko na yung 1st loan ko last november 2010.

  • Marla says:

    hi, ask ko lng po kung pwede na ba akong mag loan ulit sa SSS, nag avail po ako ng SSS loan condonation last October 2009. i’m an active member, i have 74 contributions as of April 2010..thanks.

    • SSS Philippines says:

      Kung kayo po ay fully paid na sa inyong SSS loan at wala na kayong balance after availing of the SSS condonation program ay pwede na po kayo mag apply ulit ng loan sa Social Security System (SSS). Salamat sa pagbisita.

      • noel aquino says:

        ngresign po aq nung nov 2013 at tapos q na hulugan ung 2nd loan q. pd pa po b aq mgloan khit di na aq employed.9years na po aq nghuhulog . kelangan q po kc sa training q for japan. thanks po

  • dj says:

    hello po ask ko lang po kasi nakapagloan na me ng salary loan first time,tapus di ko po nabayaran and my question is naooffset po ba ang bayad ko sa salary loan ko thru my contribution po.?kasi kung hindi po balak ko po bayaran nalang ng buo ung loan amount ko before para sana makaloan me ulet 2nd time at tanong ko po.magkano na po maloan pag second time kung 1,500 monthly contribution at tuloy pa rin ang pagcontribute ko po.thanks and god bless,hoping to hea fron you soon

  • baldo says:

    ask ko lang po. 3 years na po nkkraan d pa po ako kinakaltasan ng sss slary loan ko. nagpasa nman nko ng voucher sa ofis nmin kya lng d pa po ako kinakaltasan gang ngun. ano po kya ms maganda ko gwin? tnx po……..

    • SSS Philippines says:


      Tumutubo po ang SSS salary loan. Kung 3 years na po na hindi kayo naghuhulog or kinakaltasan ng monthly amortization, malamang na nag incurr na po ng malaking interest ang loan ninyo. Ang pinakamabuting gawin po ninyo sa ganitong kaso ay kayo na po ang mismong pumunta sa SSS upang itanong kung magkano ang dapat nyong bayaran monthly at kayo na din po ang maghulog sa any SSS accredited banks ng inyong loan payment. Tandaan na lumalaki ang tubo ng loan na ito habang hindi binabayaran.

  • jhen says:

    yung qualify to loan po ba dapat at least 3 years ng nakapaghulog????

  • jonthan says:


    I’m an inactive SSS member and currently working as OFW. Do I need to pay all past contributions before I can avail loan programme? How long is the processing take place before day of release?


  • winnie says:

    panu po ba magvoluntary contribution sa sss?gusto ko po kc magloan at anu mga kelangang requirements?thank you po pls.reply


    Our company require us that 50% of our net pay must be intact in our payslip after deduction before they allowed us to make a loan. it is legal?

  • julita u. adduru says:

    hi! ask ko lang po if sino ang mas mai-prioritize in applying a housing-loan? Are those who are self-employed or ofw members? and how many years to pay for the housing loan if i want to apply for it?

  • griezel sajo says:

    ask lng po ako kung pwede na akong maka loan?

  • marzi says:

    Hi. I applied for a salary loan about two weeks ago. I just want to know the timeframe for processing such claim. I checked my account this morning and it says that I have an active loan and the renewal date is on November 2012. Does this mean that my salary loan will be credited on November of this year? If so, why does it take 3 months to process?

  • grace says:

    Hello! I have over 100 contributions in SSS but were able to stop for sometime ,I was unemployed,but right now I started a business,would I be able to avail the business loan of SSS?Thank you.

  • Sherwin says:


    May I ask how to have a housing loan? I am self employed member of SSS. My monthly contribution is 416. How much is the loanable amount? Thank you.

  • roselle says:

    hi! 3ys and 2 months n po ako nghulog sss but upon checking for my contribution 34 p lng ang ng post and huling hulong ng bgo ko n company was march and active p rn ako s company n un.pwede n b ako mg avail ng salary loan since september n ngayun.

  • aj camba says:

    Can i pay my monthly amortization for my salary loan in the bank directly? is it possible? if so, please inform me the name of the banks. thanks.

  • vania perigo says:

    how long is the processing for the loan or will i receive the cheque?

  • Leah says:

    My concern is with regards to my father’s sss#.
    He used to work when he was still single (about 20~27) years ago, and as far he still rembered he continuously paid that time at his job tenure until he got married at hindi na po sya nakahulog.

    My father is 55 years old now and I wanted to continue his contribution.
    Would it be possible for my father to continue his contribution but he already lost his sss#.Please help answering my querries.
    I wish from your respective company’s consideration with my request on how I can locate my father SSS#? And he can still continue his contribution?


  • Rosalie Maya says:


    May Salary Loan restructuring po ba ang SSS? May Loan po ako last 2003 pa po Php 15,000 thousand, Alam ko po na malaki na ang penalties nito. Gusto ko po sanang i-reloan para d po lumaki ng lumaki ang penalties ko. continues naman po ang monthly contribution ko except po ng year 2005 kasi wala po me d2 sa philippines . Please e-mail me at

    Thank you so much!
    More Power to your Good Office.

  • mat says:

    hi. pwede po ba ako magsalary loan khit resign n q sa employer ko. kaso napatigil po ang pagbabayad ko mula mgresign ako. ang balak ko po ipagpatuloy ang payment by dec. ngstop po kasi nitong may 2010

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  • mary ann says:

    gudday. pwede po bng misis ng OFW ang mg.file ng salary loan niya provided na may papers naman po galing sa kanya? thanks.

  • nhajo says:

    hello sss calamba, i just want to ask on how to know if how much na ang nahuhulog ng company na pinagtrabahuhan ko since 2 times pa lang ako ng work as contractual..? then pano din ako mkkpag avail na makapgcontinue na maghulog kahit unemployed or sef employed..?thanks

  • leasandra says:

    would like to inquire as to why my sss salary loan application already takes almost a month. what took it so long? our hr department has already furnish my application to sss but unfortunately i haven’t receive any check yet. kindly advise, please send your reply @ is it true that if u don’t use the sss salary loan, someone might be tried to use it? Just asking. I hope u could do the necessary action for this. Kindly indicate also the sss loan contact your reply. Your immediate response is highly appreciated. Thanks and God bless.

  • ana says:

    I wanted to file for a loan but my problem is that my previous employer did not pay the contribution for almost 2 years.

    I wanted to file a complaint but i dont know where to go and if the process would involve me hiring a lawyer.

    I hope you could help.


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