Can I Apply for an SSS Salary Loan If I Resigned?

Can I Apply for an SSS Salary Loanⓘ If I Resigned?

Thinking of applying for an SSS Salary Loan but already left your job? You’re not alone. Many former employees ask the same thing:

“Can I still apply for an SSS Salary Loan even if I’ve already resigned from my job?”

The answer depends on your current status with the Social Security System (SSS). Let’s explain.

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✅ Quick Answer:

Yes, you can still apply for an SSS Salary Loan even if you’ve resigned — but only if you’re an active, updated voluntary member.

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💡 Here’s How It Works:

When you resign, you stop being an “employed member” of SSS. However, this doesn’t mean your SSS coverage ends completely. You can shift your membership to “voluntary” or “self-employed” and continue contributing on your own.

To be eligible for a salary loan, you must:

• Have at least 36 total monthly contributions
• Have at least 6 posted contributionsⓘ within the last 12 months
• Be an active, updated member (whether employed, voluntary, or self-employed)
• Have no defaulted SSS loans

So, if you meet those requirements and are paying SSS contributions as a voluntary member, you can apply for a salary loan directly through your My.SSS account — no need for employer certification.

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👥 Who Is a Voluntary Member?

A voluntary member is someone who:

• Was previously employed but no longer working
• Continues paying SSS contributions on their own
• Is still within the working age (under 60 for salary loan eligibilityⓘⓘ)

If you haven’t switched to voluntary status yet, you need to:

1. Log in to your My.SSS account
2. Download and fill out the SS Form RS-5 (Contribution Payment Return)
3. Pay your contributions as a voluntary member through accredited payment centers or online channels like GCash, Maya, or banks

Once you’ve made at least 6 recent contributions, you’ll be eligible to apply.

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📝 Can I Still Use the Online Application?

Yes! As a voluntary member, you can still apply online:

• Log in to My.SSS
• Go to E-Services > Apply for Salary Loan
• Your loan will be processed without the need for employer certification

💡 Since you’re no longer employed, your repayment will not be through salary deduction — you will pay SSS directly on a monthly basis.

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🛑 What If I Haven’t Contributed in a While?

If your last contribution was more than a year ago, you’ll need to restart your contributions and pay for at least 6 months before applying.

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⚠️ Important Reminders:

• Always update your membership type to “voluntary” after resigning
• Pay your SSS contributions regularly to remain active
• Monitor your loan balanceⓘ and repayment schedule to avoid penaltiesⓘ

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🧾 Final Thoughts:

You can still apply for an SSS Salary Loan even if you’ve resigned — as long as you stay active as a voluntary member.

Just make sure your contributions are up to date, and you’ll be able to enjoy your loan benefits without needing employer involvement.

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🔎 Need to check if you qualify or how much you can borrow?
Try our Free SSS Salary Loan Calculator here:
👉 SSS Salary Loan Calculator