What Is the Maximum SSS Salary Loan Amount?

If you’re planning to borrow through the SSS Salary Loan, you’re probably wondering: How much can I really borrow? Is there a maximum amount I can get even if I earn a high salary?

Let’s dive deep into how the maximum SSS salary loan is computed and what affects your loanable amount.

📌 Quick Answer

The maximum SSS Salary Loan amount is ₱40,000.

This is based on the 2-month Average Monthly Salary Credit (AMSC) and is only available to members who meet all the requirements, including at least 72 posted monthly contributions.

🔎 What Determines the Maximum Loanable Amount?

SSS doesn’t simply approve loans based on your current salary. Instead, it uses a fixed method:

🧾 Key Factors:

Average Monthly Salary Credit (AMSC) – Based on your last 12 posted MSCs, excluding the current month.
Total Number of Posted Contributions
Outstanding Balance – If you have an existing salary loan, this will be deducted from your new loan.

💡 Understanding the AMSC and Contribution Tiers

To qualify for the maximum ₱40,000 salary loan, you must:

✅ Have at least 72 posted monthly contributions
✅ Have no outstanding balance from previous SSS loans
✅ Have a consistent salary credit of ₱20,000 for the last 12 months

📘 Example:

If your employer has reported an MSC of ₱20,000/month for the last 12 months and you’ve made over 72 total contributions, your AMSC = ₱20,000.

That means:

2-month salary loan = ₱20,000 × 2 = ₱40,000
Less service fee (1%) = ₱400
Net proceeds = ₱39,600

But if your AMSC is lower, say ₱15,000, your max loanable would be:

2-month loan = ₱30,000
Net proceeds after service fee = ₱29,700

🧮 Try the Calculator

Don’t want to guess? Use this free tool to check your loan eligibility and estimate your maximum loan:

👉 SSS Salary Loan Calculator

🛑 Common Reasons You Might Not Get the Maximum

Even if you earn a high income, here are common reasons you might not qualify for the ₱40,000:

❌ You don’t have 72 posted monthly contributions
❌ Gaps or missed months in your contribution history
❌ Your employer underreported your salary (e.g., reported ₱16,000 instead of ₱20,000)
❌ Existing balance from a previous SSS salary loan

📝 Final Thoughts

While ₱40,000 is the maximum salary loan, most members receive less due to contribution history or inconsistent salary credits. It’s crucial to regularly check your My.SSS account to verify: