Can I Apply for the SSS Salary Loan Online?

Yes, you can now apply for the SSS Salary Loan entirely online — no need to go to an SSS branch or submit physical documents!

Thanks to the My.SSS online portal, members can easily apply for loans, monitor their contributions, and manage their accounts wherever they are.

💻 How to Apply for an SSS Salary Loan Online

Here’s a step-by-step guide:

Go to the official My.SSS portal:
👉 https://member.sss.gov.ph
Log in using your User ID and password.
(If you don’t have an account yet, click “Not yet registered in My.SSS?” to sign up.)
Navigate to the “E-Services” tab.
Click “Apply for Salary Loan.”
Review your loanable amount and choose your disbursement method (bank, e-wallet, etc.).
Agree to the terms and conditions.
Click “Submit.”

✅ Requirements for Online Loan Application

To apply for an SSS Salary Loan online, you must:

Be an SSS member with at least:
- 36 posted monthly contributions (for a 1-month loan)
- 72 posted contributions (for a 2-month loan)
Have paid at least 6 contributions in the last 12 months
Be currently employed, voluntary, or self-employed
Have an active My.SSS account
Have a valid disbursement account enrolled in the SSS portal
Be under 65 years old
Have no existing delinquent SSS loans

🧮 Use the SSS Salary Loan Calculator Before Applying

Want to know how much you can borrow and what your monthly amortization will be?

Try our free tool here:

👉 SSS Salary Loan Calculator

📌 Reminders

You will receive a notification via email or SMS once your loan is approved.
Your loan amount will be credited to your selected disbursement account, so make sure your information is updated.
If you’re a voluntary member or OFW, you can apply online just like regular members, as long as you meet the requirements.

🏁 In Summary

Yes, you can apply for an SSS Salary Loan online through your My.SSS account — making the process faster, easier, and more convenient than ever before.

Ready to apply or want to check your estimated loan amount?

👉 Try the SSS Salary Loan Calculator now