How to File SSS Salary Loan Online: A Complete Step-by-Step Guide for 2025
Applying for an SSS Salary Loan online is one of the fastest ways to get emergency cash when you need it most — whether you’re preparing for a baby, paying hospital bills, or handling sudden expenses. Gone are the days of lining up at SSS branches; now, everything can be done through My.SSS, the official online portal.
In this guide, you’ll learn how to file your SSS Salary Loan online, who qualifies, how much you can borrow, and how to check your status — all explained in simple, easy-to-follow steps.
💡 What Is an SSS Salary Loan?
An SSS Salary Loan is a short-term cash assistance program for active SSS members. It’s designed to help employees, self-employed, or voluntary members meet immediate financial needs.
The loan is payable in 12 or 24 monthly installments with an 8% annual interest rate, automatically deducted from your salary (if employed).
👉 Example: If your average monthly salary credit (AMSC) is ₱15,000, your maximum 2-year loan could reach ₱30,000 — depending on your contribution history and eligibility.
This makes it one of the most convenient and low-interest loans available to working Filipinos.
✅ Who Can Apply for an SSS Salary Loan?
Before you file your loan online, make sure you meet the following requirements:
Basic Eligibility
You must be an active SSS member with updated contributions.
You must have:
At least 36 posted contributions (for 1-year loan)
At least 72 posted contributions (for 2-year loan)
Six (6) of your contributions must be posted within the last 12 months.
You have no existing overdue SSS loan.
You are currently employed, self-employed, or a voluntary member.
Your employer must be up-to-date with SSS remittances (for employed members).
If you’re on maternity leave, you can still apply as long as you are still an active employee and your employer can certify your application online.
🖥️ How to File SSS Salary Loan Online (Step-by-Step Guide)
Here’s the full process for filing your SSS Salary Loan via My.SSS Portal:
Step 1: Log in to Your My.SSS Account
Go to the official My.SSS portal at sss.gov.ph. Enter your User ID and password. If you don’t have an account yet, click “Not yet registered?” and create one using your CRN or SSS number.
Step 2: Go to “E-Services” → “Apply for Salary Loan”
Once logged in, navigate to: E-Services → Apply for Salary Loan.
This section automatically displays your loanable amount, which depends on your contribution history and average salary credit.
Step 3: Review Your Loan Information
You’ll see your eligible loan amount, interest rate, and repayment terms. Choose between:
1-year loan (up to 1x your AMSC)
2-year loan (up to 2x your AMSC)
A 1% service fee will be deducted from the loan upon release.
Step 4: Choose Your Disbursement Method
You can receive your loan proceeds in two ways:
UMID-ATM (UnionBank) – fastest method if your UMID card is enabled.
PESONet bank account – you must have a verified and active bank account enrolled in My.SSS.
If you don’t have a registered bank account yet, go to “Disbursement Account Enrollment Module” (DAEM) first and enroll your account before applying.
Step 5: Submit and Wait for Employer Certification
For employed members: Your employer must certify your loan application through their My.SSS Employer Account within 3 working days.
If not certified within the period, the loan application will be automatically canceled.
For self-employed or voluntary members: You can skip this step — your application goes directly for SSS evaluation.
Step 6: Check Application Status
You can monitor your loan status by logging in to your My.SSS account → Inquiry → Loan Info → Salary Loan.
If approved, SSS will credit the amount to your PESONet or UMID-ATM account within 3–5 working days after employer certification.
💰 How Much Can You Borrow?
Your loanable amount depends on your Average Monthly Salary Credit (AMSC) and contribution history.
Type of Loan
Required Contributions
Maximum Loanable Amount
1-Year Loan
36 posted (6 in last 12 months)
Up to 1x AMSC or max ₱25,000
2-Year Loan
72 posted (6 in last 12 months)
Up to 2x AMSC or max ₱50,000
Example Computation: If your AMSC = ₱20,000, your maximum loan = ₱40,000 (2-year loan). SSS deducts 1% service charge, so you’ll receive ₱39,600 net proceeds.
You can easily compute your expected amount using the 👉 SSS Salary Loan Calculator. It helps you estimate your take-home amount and monthly amortization accurately.
📆 Repayment and Interest Rules
Interest Rate: 8% per annum based on the diminishing principal balance.
Loan Term:
1-Year Loan → 12 monthly payments
2-Year Loan → 24 monthly payments
Service Charge: 1% deducted upon loan release.
Pro-Rated Interest: Charged from loan approval date until end of following month before first payment starts.
Example: If approved on March 20, interest for March 20–31 and full April is computed in advance.
Late Payment Penalty: 1% per month on unpaid amortization.
Early Repayment: Allowed anytime without penalty.
Loan Default: If unpaid, SSS can deduct from future benefits (e.g., SSS Maternity, Sickness, or Retirement).
⚠️ Common Mistakes That Delay Your Loan
Avoid these common issues that often cause rejection or delays:
❌ Unposted or missing SSS contributions
❌ Wrong bank details or unverified PESONet account
💡 Tip: Before applying, update your contact number, email, and bank account details to ensure smooth processing.
🚀 Tips to Speed Up Your Online Loan Approval
Use an active PESONet bank account like BPI, UnionBank, or RCBC.
Coordinate early with your HR so they can certify immediately.
Apply early in the month — end-of-month applications often take longer due to system traffic.
Keep your My.SSS info updated — outdated contact or bank info may cause rejection.
Avoid browser autofill errors when logging in; use Chrome or Edge in incognito mode.
📋 Example Scenario
Let’s say Ana, a 30-year-old office employee, has:
80 posted contributions
Average Monthly Salary Credit = ₱18,000
She qualifies for a 2-year loan of ₱36,000. SSS deducts ₱360 service charge (1%) and pro-rated interest. Her first monthly payment of around ₱1,620 starts 2 months after loan approval.
This example shows how manageable the monthly payments can be, making the salary loan a practical option for many working members.
🧾 TL;DR Summary
If you’re an active SSS member with at least 36 contributions, you can now apply for a Salary Loan online via My.SSS.
You’ll need:
Updated contributions
Employer certification (if employed)
Enrolled PESONet or UMID-ATM account
Loan amount is based on your average salary credit, payable for 12 or 24 months at 8% interest per year.
1. How long does it take for SSS to approve the online salary loan?
Usually, 3–5 working days after your employer certifies the loan. For self-employed members, processing takes around 5–7 days.
2. Can I apply for a salary loan while on maternity leave?
Yes. As long as your employment is active and your employer certifies your application, you may apply even while on leave.
3. How will I receive my loan proceeds?
Funds are released through UMID-ATM or PESONet bank account registered in your My.SSS account.
4. Can I apply for another salary loan before finishing my current one?
You can renew your loan once you’ve paid at least 50% of the principal and made 12 regular payments.
5. What happens if I miss a payment?
A 1% monthly penalty applies on unpaid amortization. Continuous non-payment may affect your eligibility for future SSS benefits.
🏁 Final Thoughts
Filing your SSS Salary Loan online is simple once you know the steps. With updated contributions, a verified My.SSS account, and accurate bank info, you can receive your funds quickly — often within a few days.
If you’re planning ahead for emergencies or extra cash flow, take a few minutes today to log in and check your eligibility.
👉 Try the SSS Salary Loan Calculator to find out exactly how much you can borrow and what your monthly amortization will look like.
