Can Voluntary Members Apply for an SSS Salary Loan?
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Can Voluntary Members Apply for an SSS Salary Loan?
If you’re self-employed, an OFW, or simply a former employee who decided to continue your SSS contributions voluntarily, you might be asking:
“Am I eligible to apply for an SSS Salary Loan?”
The short answer is: Yes, voluntary members can apply for an SSS Salary Loan. But there are specific requirements you need to meet before you can qualify.
✅ Who Are Considered Voluntary Members?
Voluntary members include:
Self-employed individuals
Overseas Filipino Workers (OFWs)
Non-working spouses
Former employees who continue paying contributions on their own
📌 Requirements for Voluntary Members to Apply
To apply for a salary loan as a voluntary member, you must meet these conditions:
At least 36 posted monthly contributions (for 1-month loan) or 72 (for 2-month loan)
At least 6 monthly contributions made within the last 12 months
No existing delinquent loans with SSS
Must be under 65 years old at the time of application
Must have an active My.SSS online account
Must be enrolled in an SSS-approved disbursement method (like PESONet or UMID-ATM)
💡 Need Help Estimating Your Loan?
You can use our FREE SSS Salary Loan Calculator to estimate:
Follow the prompts and select your preferred disbursement channel
Wait for the loan approval and disbursement confirmation
📘 Summary
Criteria
Requirement for Voluntary Members
Contribution Count
Minimum 36 (or 72 for 2-month loan)
Recent Contributions
At least 6 within last 12 months
Delinquent Loan
Must have none
Age Limit
Below 65 years
Disbursement Setup
Must be enrolled
Online Access
Must have My.SSS account
👍 Final Words
Yes, voluntary members can absolutely apply for an SSS salary loan—as long as your contributions and account are up-to-date. This benefit is designed to support all SSS members, not just employees.
