Social Security System (SSS)

SSS Salary Loan

File an SSS Salary Loan online through My.SSS or the MySSS mobile app. Typical eligibility includes 36 posted contributions (6 in the last 12 months) for a one-month loan, or 72 posted contributions (6 in the last 12 months) for a two-month loan; SE/VM/OFW-LB also need six posted contributions under their current coverage type. You must be under 65, have no past-due covered loans, updated contact details, and an active DAEM-enrolled disbursement account. Employed members need an employer that is updated on contributions/loan remittances and that certifies the loan in My.SSS.

Eligibility and My.SSS filing path for an SSS Salary Loan—short-term member credit filed online, not over-the-counter paper filing.

Last verified October 8, 2026

Updated October 8, 2026

Eligibility, online filing, interest/service-fee framework, and employer certification duties come from https://www.sss.gov.ph/salary-loan/ (rechecked 2026-10-08). Exact net proceeds are disclosure-statement specific.

Quick Summary

Agency
Social Security System (SSS)
How to apply
Online
Published processing time
Filing is completed in My.SSS/app after eligibility and (for employed members) employer certification. Disbursement timing depends on DAEM account validation and SSS release processes—confirm status in My.SSS.
SSS contribution notes
1% of the loan amount

What You’ll Need

Use this as a preparation checklist. Items marked “If it applies” are situational.

  • Posted contribution count for the loan amount you want

    Official source

    One-month loan: 36 posted monthly contributions, including 6 within the last 12 months before the filing month. Two-month loan: 72 posted monthly contributions, including 6 within the last 12 months. SE, VM (including NWS), or land-based OFW members also need at least 6 posted contributions under their current coverage/membership type before the filing month.

  • Legal age and under 65; no disqualifying loan/benefit status

    Official source

    Must be of legal age and under 65 at application; no past-due Salary Loan/SLERP/EALP or other covered member loans as SSS determines; not disqualified for fraud; final benefits rules on the official page apply.

  • Updated contact information and active DAEM disbursement account

    Official source

    Contact details must be updated in the SSS database. Loan proceeds go to an active MySSS/UMID ATM Pay Card or an active single PESONet bank account enrolled through DAEM in My.SSS.

  • Employer updated on contributions and loan remittances (employed members)

    If it appliesOfficial source

    The employer must be updated in payment of contributions and loan remittances. The employer certifies the loan in My.SSS (employment, net take-home pay, payroll deduction).

  • Active My.SSS / MySSS mobile access

    Official source

    Applications are filed online only—paper walk-in filing is not the published path on the Salary Loan page.

How To Do It

  1. 1

    Confirm contributions, age, and DAEM account

    Official source

    Review posted contributions and enroll/update your disbursement account in DAEM before starting the loan application.

  2. 2

    Apply in My.SSS or the MySSS app

    Official source

    Log in, open the Salary Loan e-service, choose the loanable amount, agree to terms, and submit. Review the Disclosure Statement amounts before final submission.

  3. 3

    Wait for employer certification if employed

    Official source

    Your employer logs into employer My.SSS to certify employment and net take-home pay sufficiency, and accepts payroll-deduction remittance duties.

  4. 4

    Receive proceeds through the enrolled disbursement account

    Official source

    SSS releases net proceeds (after service fee, pro-rated interest, and prior short-term loan offsets if any) to the DAEM-enrolled account.

Fees

Getting an SS Number is separate from paying contributions. Confirm contribution amounts on official SSS channels.

Service fee
Deducted from proceeds per the official Salary Loan page.
Official source
1% of the loan amount
Interest rate framework
Initial / renewal without penalty condonation in past five years: 8% p.a. Renewal with prior penalty condonation in past five years: 10% p.a. Rates may be adjusted by SSS for new/renewed loans—confirm the Disclosure Statement.
Official source
8% or 10% per annum (diminishing), by renewal/condonation history

Important Notes

  • Published filing path is online

    Official source

    The official Salary Loan page states members file through My.SSS or the MySSS mobile app. Do not rely on outdated paper-form instructions from unofficial sites.

  • This is not loan or financial advice

    Official source

    Eligibility and net proceeds depend on your SSS record and Disclosure Statement. Confirm figures inside My.SSS before you borrow.

Where / How To Apply

Online only through the member’s My.SSS account on the SSS website or the MySSS mobile application, per the official Salary Loan page.

Become an SSS MemberVisit SSS website

Official Forms

Links go to current official agency sources. Ano Kailangan does not host government PDF copies. Do not assume a downloadable file is accepted for filing unless the note below says so.

  • SSS Salary Loan application (My.SSS / MySSS app)

    Social Security System

    This procedure is completed in an official portal. A downloadable PDF is not the primary filing path.

    No downloadable paper Salary Loan form is the current published filing path. Apply inside My.SSS or the mobile app.

    Last verified October 8, 2026 · Evidence VERIFIED

    Open official source

Official Sources

Verify the checklist against the agency before you travel or pay.