SSS Salary Loan Online Application: Five Easy Steps

How to Apply for an SSS Salary Loan

Signing up is very easy and takes less than a minute.
Signing up is very easy and takes less than a minute.

The Philippine Social Security System (SSS) is the government's social insurance program for workers. Established in 1957, the SSS provides retirement and health benefits to enrolled Philippine employees.

After registering and becoming a member, employees can apply for what is called a salary loan. Members can apply for cash loans equivalent to either one month's or two months' salary. Salary loans must be paid within two years. Before applying, be sure to inform your employer. They will need to certify your application. The SSS will not approve a loan application without the employer certification.

Note: I am not affiliated with the SSS. For SSS-related inquiries, please call the SSS call center at 920-6446 to 55 or send an email to

1. Register With the SSS

  • When signing up, choose a username and password that you can easily remember. This is to prevent having to call SSS for a username or password reset. The telephone lines at the SSS are always busy!

2. Log In!

  • If your first login attempt fails, wait 20-30 minutes and try again. Better yet, wait to log in after receiving a registration confirmation email from the SSS.

3. Select Salary Loan Transaction

  • Roll over Transactions and select Salary Loan.

If You Do Not Qualify

  • This is what the screen will look like if your application for a salary loan is not approved.

If You Do Qualify

  • This is what your screen will look like if your application is approved.

4. Set Your Loan Amount

  • When you are ready, tick the box beside "I agree to the terms and conditions." Then click Proceed. The maximum allowed loan amount is 30,000, but you may use the drop-down menu to select a lower amount.

5. View Disclosure and Submit

  • View the "Disclosure Statement on Loan/Credit Transaction. Save or bring and then click Submit. The disclosure statement details your loan amount, other charges/deductions, payment schedule, and interest fees.

You're Done!

  • It takes two to three weeks from the date of submission to receive the check. Depending upon where you work, your human resources department may send an email to notify you where you can claim your check.

Comments 33 comments

erika 2 years ago

I have salary loan last Feb 2013 but resigned on may 2013 I want to pay full amount of loan in cash to the nearest branch. Is it possible. Even without certification from employer

Glenda 2 years ago

Hello good morning.. I applied for a loan online....I was not able to get a transaction number though cause the connection went bad just after i confirmed ... I tried again and it showed.. "you can no longer apply since you have a pending loan application..." Does that mean it went through the first time I did it...? Ty

henry lagunero 2 years ago

ask ko lng po nagloan po ako ok naman po ung mga hulog q bakit po na denied

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

On your my.sss profile, click online inquiry , go to member info tab and click actual premiums. this will show your monthly premiums.

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

Guys, for a more accurate response to your inquiries, please email your concerns to Thanks.

lei 2 years ago

hi there, just wanna ask if how i can check if the company am working for do really remit for the payment for my SSS loan. thank you!

jayson rivera 2 years ago

Hi... Im jayson rivera... If i paid my salary loan balance can i apply for a new loan again... My last loan amount is 9000 but since may 2013 i haven't paid my contribution bcoz i moved abroad for work... If i paid all my salary loan balance is it possible to apply a new loan again and how much is it... Is it higher than the last or smaller bcos of my delayed payment.. Pls help me..

janno 2 years ago

Ang sbi sakin ng hr ipasa ko daw ung cnend sakin ng sss.. un po ba ung dapat iprint ung disclosure statement?? Salamat ulit.

roland credo 2 years ago

hi,kailan ba ulet magkakaroon ng condonation program para nman mbayaran ko lang yung talagang naloan ko noon.grabe na kasi ang intetest na pinatong dun.di ko naman kasalanan.di pala naupdate ng employer ko.kaya ayun lumaki ng help nman bka magawan pa ng paraan.para makapag loan nko.kailangan ko na kasi..asap ha..


Gladys Familaran profile image

Gladys Familaran 2 years ago Author

Thank you for this information Patrick. :)

Patrick 2 years ago

Hello again. My loan was already certified by my employer. :-)

To certify our loan by the employer, our employer need to approve it also online. Some employer don't log in online everyday or some are not yet registered online. That's why we need to inform our employer.

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

hello everyone - please understand that I'm not affiliated to SSS. For inquiries other than the online salary loan application, please call 920-6446 to 55; or send an email to

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

hi sam - i'm sorry but i can't answer your question... i'm just sharing what i know about online salary loan application. i can't provide information other than this...

glover tamba 2 years ago

inquire my loan ballance

Sam 2 years ago

Good day Ms. Gladys! Hope that you're doing great.

By the way, can we pay the salary loan greater than the monthly payment scheme? I mean just to speed up the process of completing the salary loan. Thanks!

Joey 2 years ago

hi.. im 56 yrs old, retired na po ako 3 yrs ago, gusto ko po magloan sa SSS account ko. ano po bang pinakamadaling paraan para makapagloan ako.. thanks

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

hi - it's on step 3, just inform your employer that you filed for a salary loan. some employers require it, some don't.

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

hi - the employer just needs to be informed so that they can review and approve when they get the approval request from SSS

Cecille 2 years ago

Hi, I tried this on my husband's account but we are not sure as to what "certification" this online application really requires. Even the employer doesn't know what kind of certification they should issue to us. Do you know what it is? Thanks in advance.

Patrick 2 years ago

I tried this yesterday and successfully finished the transaction.

Question: It says that my loan will expire if my employer fail to certify on or before jan22. What's this? Is there a step 6 which involve my employer? Do i need to inform my employer?

Thabk you.

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

hi sherryl, please contact SSS's call center 920-6446 to 55 for the status of your check.

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

Hi Arnel - For you to qualify for a 1 month loan, you must have 36 posted monthly contributions, 6 of which should be within the last 12 months prior to the month of filing of the application.

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

Hi Analyn - you may get your check from your HR office. If your HR does not release it, you may contact SSS's Call Center: 920-6446 to 55; or send an email to

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

hi charlotte - based on my experience, payments are done in 24 months. I had monthly deductions in my salary. You may also pay in full if you want, just visit the nearest SSS branch.

Gladys Familaran profile image

Gladys Familaran 2 years ago Author

hi renalyn - i'm sorry i cannot help you with that and i'm very sorry for the delayed response as i'm not always online. I am not affiliated with SSS. I'm just sharing the steps i learned on how to apply for an SSS loan. My husband however got his SSS Id card in just one month.

yannie 2 years ago

hay..just have a quick question..i tried to aply but it says that i'm not yet eligible due to number of contributions, 34months as of 10/ you have any idea how long it will take before the contributions for nov&dec to post???..or any other way to still apply for the loan knowing that i should already be eligible???..thanks

Sherryl 2 years ago

Hi! Good day! I applied for a loan at the sss main office last nov. 19. The status of my loan is i have already a check dated november 20 2013. And im a voluntary contributor. Until now i haven't receive my check. Kindly check kong kelan ipapadala sakin yng check.thanks.

Arnel 2 years ago

I have applied for a salary loan but status under eligibility for salary loan states that:

Loan application will be rejected due to the following reason(s):

* Insufficient Number of Contributions - Total Contributions : 35

Posted Contribution considered up to : 09-2013 only.

What does this means? What must be the Total Contributions for us to be eligible for a salary loan?

Please help... Thank you.

marites borines 2 years ago

how to aply calamity loan I cannot go in to the website tnx

Bugoy 2 years ago

Thank you :)

charlotte 2 years ago

hi, i just want to ask if you can determine till how many months i have to pay my loan. thanks.

Gladys Familaran profile image

Gladys Familaran 3 years ago Author

Hi Monique, to check your loan status log on to and click ONLINE INQUIRY from the Main Menu located at the left side of your SSS homepage. You will then find a drop down for loans, select loan status/loan info. I hope this helps.

Monique 3 years ago

Hi, I applied for a loan but on the statement there is a label Loan Month - What does that mean? Also, It's more than 4 weeks and I haven't received the check yet.

Any help is appreciated.

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