As an active member of the Filipino workforce, you may need to invest in several types of insurance. Among others, you may shell out monthly for life insurance, car insurance policy, health insurance, and others to secure yourself and your family.


One insurance option you can avail of today comes from the Social Security System (SSS), which is designed to provide enrolled employees with a host of exclusive benefits for retirement and other life events. The beauty of SSS membership is that you may also take advantage of their salary loans should you require a handy yet trustworthy source of credit.

Who is eligible for an SSS salary loan?

Before you can apply for an SSS salary loan, you must first meet eligibility requirements. You must be: an SSS member who is currently employed, self-employed, or a voluntary contributor with at least 36 posted monthly payments to your name. Six of those monthly contributions have to have been made within the year (12 months) prior to you filing your loan application.

SSS Loan Application

Aside from these requirements, you must be below 65 years old and have not yet availed of any “final benefits,” such as in the case of total permanent disability, retirement, or death, from the SSS. Your employer must be fully updated on the monthly contributions you have made, and you must not have been disqualified due to a previous case of fraud against the SSS.

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Applying for a Salary Loan Online

The good news is that there’s now no need for you to take a day off from work and line up all afternoon at the nearest SSS office to get a loan. Before you apply, you must have already asked your employer for certification that you’re getting a loan and verified that you’ve made the full 36 monthly SSS contributions.

Take the following steps when signing up for an SSS salary loan via the Internet:


  1. Go to the official SSS website and register for a My SSS account using your full name, SSS number, date of birth, and email address. Once you’ve successfully registered, go back to the main page and log in with your new username and password. (If you already have a My.SSS account, you can log in and proceed to the next step.)
  2. On the home page, click on E-Services and then access “Salary Loan Application.”
  3. Once you’ve selected “Salary Loan Application”, the website should automatically inform you if you’re eligible for a loan or not. It’s possible that you’ve met all of the eligibility requirements, but the website has not yet been updated to reflect this. Check to make sure, for example, that all of your monthly contributions have been recorded online.
  4. Once you’ve been declared eligible, enter the necessary details and your desired loan amount. Tick the “I agree to the Terms and Conditions” checkbox and click Proceed. You’re almost done!
  5. Once you’re done, wait several weeks for the processing of your salary loan application. If your application has been approved, the SSS will get in touch with your employer, who in turn will coordinate with you on how to obtain your first check.

Still find the process too complicated? You can try downloading the Member Loan Application form from the SSS website. Once you’ve finished filling out the form, take it to your local SSS office for processing. Note that if you’ve already been approved for a salary loan in the past, you have to make sure the previous loan has been paid or else, you won’t qualify.

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