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
School or Company ID
Tax Identification Number (TIN) card
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
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
Pag-IBIG Member’s Data Form
Permit to carry firearms issued by the Firearms and Explosive Unit of PNP
PHIC Member’s Data Record
Seafarer’s Registration Certificate issued by POEA
Temporary Driver’s License issued by LTO
Transcript of Records
Alien Certificate of Registration
Bank Account Passbook
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, https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=salaryeligibility
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 https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=salarydetails
Apply and Send your SSS Salary application to
The nearest SSS Branch in your area
Social Security System
SSS Building, East Avenue, Diliman Quezon City, Philippines
Telephone: 02 920 6401
Toll free: 1-800-10-2255777
Email: firstname.lastname@example.org or email@example.com