How Do You Apply For SSS Salary Loan?

The Social Security system (SSS) Salary Loan is a cash loan granted to an employed, currently paying self-employed or voluntary member. It is intended to meet the member’s short term credit needs.



Who are eligible to apply for the salary loan?

All currently employed, currently contributing self-employed or voluntary member.


For a 1 month loan, the member – borrower must have 36 posted monthly contributions, 6 of which should be within the last 12 months prior to the month of filing of the salary loan application.


For a 2 month loan, the member – borrower must have 72 posted monthly contributions, 6 of which should be within the last 12 months prior to the month of filing of the application.



The member – borrower whose employer must be updated in the payment of contributions.


The member – borrower has not been granted final benefit, such as total permanent disability, retirement and death.


The member – borrower must be under 65 years of age at the time of application.


The member – borrower has not been disqualified due to fraud committed against the SSS.




Member – Borrower must submit a Member Loan Application Form.


SSS digitized ID or E6 with any 2 valid IDs, one of which with recent photo



List of valid IDs accepted

Unexpired Driver’s License


Professional Regulation Commission (PRC) ID card




Postal ID


School or Company ID


Tax Identification Number (TIN) card


Seaman’s Book


Membership card issued by private companies


Overseas Worker Welfare Administration card


Senior Citizens card


Voter’s Identification card/Affidavit/Certificate of Registration


ATM card with cardholder’s name; or with certification from bank, if without name


Credit card


Fisherman’s card issued by BFAR


GSIS card/Member’s Record/Certificate of Membership


Health or Medical card


ID card issued by LGUs (e.g. Barangay/Municipal/City)


ID card issued by professional association recognized by PRC


Birth Certificate


Baptismal Certificate


Marriage Contract


NBI Clearance


Pag-IBIG Member’s Data Form


Permit to carry firearms issued by the Firearms and Explosive Unit of PNP


PHIC Member’s Data Record


Police Clearance


Seafarer’s Registration Certificate issued by POEA


Temporary Driver’s License issued by LTO


Transcript of Records


Alien Certificate of Registration


Bank Account Passbook


Certificate from:

Office of Southern/Northern Cultural Communities; or

Office of Muslim Affairs


Certificate of Licensure/Qualification Documents/Seafarer’s ID and Record Book from Maritime Industry


Certificate of Naturalization from the Bureau of Immigration


Life Insurance Policy


Birth/Baptismal certificate of child/ren



Further reading,



Filing procedure

A borrower may file the salary loan application at the branch nearest the place of residence or business. A member who is registered at My.SSS can submit the salary loan application online.


The salary loan submitted online by an employed member will be directed to the employer’s My.SSS account for certification, hence, the employer should also have an SSS Web account.


OFW members may also file their salary loan application at the SSS Foreign Representative Offices in selected countries.


In case there is no SSS office in a particular country they may send their application and supporting documents to their relatives here in the Philippines and authorize them to file at the SSS branch.


Documents issued in other country should be duly authenticated or certified by the Philippine Consulate Embassy.


Note: The employer shall submit an updated Specimen Signature Card (SS Form L-501) to be updated annually to avoid delay in the processing of salary loan applications.



Repayment term, please visit




Apply and Send your SSS Salary application to

The nearest SSS Branch in your area


Contact information

Social Security System

SSS Building, East Avenue, Diliman Quezon City, Philippines

Telephone: 02 920 6401

Toll free: 1-800-10-2255777

Email: or

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