How to Apply for SSS Salary Loan Online (and get it in two weeks)

How to Apply for SSS Salary Loan Online (and get it in two weeks)

SSS Online Philippines website now allows any eligible SSS member to apply for an SSS Salary Loan online!

This is a better alternative to the in-branch SSS application provided you already have an active MySSS online Account.

Just for the sake of trying, I tried applying for this benefit online on their website and was surprised to receive the cheque in two-weeks’ time. It was a Php 32000 Salary loan upon my first loan application less 1% processing fee giving me a net cheque amount of 31, 680.
(Please be aware that the initial loan amount could vary, depending on your contribution so far.)

SSS Salary Loan Payment Amortization

The following table shows the payment schedule spread within two years in 24 equal monthly installments. The loan is charged a nominal interest of 10% per annum. For employed member-borrower, the first salary deduction shall start on the second month following the date of the loan.

SSS Salary loan details payment how to apply

SSS Salary loan how to apply payment schedule

SSS Salary Loan  Benefit & Eligibility

Just to reiterate, I did this SSS salary loan application for trying’s sake and don’t really recommend incurring a loan especially if you have poor discipline in payment and money handling. I presently don’t see a need in my life for any loan (praise God!), but this info may be helpful for others who could have valid short-term credit needs.

Another thing to note should you decide to take out a loan: the processing time may vary in your case depending on the type of support that your employer will give in your application. Specifically, your employer needs to certify your application before SSS can proceed with the next steps. Make sure you follow-up your employer (or HR department) for that needed action from their end right after submitting your application just to make sure they are informed.

Your eligibility and the applicable loanable amount will also depend on the number of contributions you have made and other past transactions or obligations you may have had with SSS.

How to apply for an SSS Salary Loan online in the Philippines

There are only three simple steps I did to apply for the loan:

(1) Create a MySSS account online
Go to and in their homepage, click the button for registration.
This is a one-time registration only and you will need your CRN/SS number and a working email address.


(2) Apply for a Salary Loan Benefit
Once your account is active and you have a working SSS online account, then you can try to apply online for SSS Salary loan under E-Services.

SSS Apply for Salary Loan Philippines

Upon following the steps, you will get your transaction number.  At this point, inform your employer of your application after submission.





Below is additional info from MySSS website:

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.
Complete details including eligibility and filing procedures are available here.

This is also a good time for you to explore the site and verify the recorded contribution payments your employers, including the previous ones, have made.

(3) Wait for the cheque from SSS
The waiting begins here assuming there’s nothing that could delay or reject your application.

In my case, it took less than two weeks before my employer sent me a notice that the cheque had come from SSS and is available for pick-up.

That’s just it!

Overall, the process is easy and smooth for a first-time loan.

UPDATE AUG 2 2019:

The My.SSS online account now also has new features for a member to monitor payments for the SSS Salary Loan. Under E-Services >> Inquiry, you can see the status of your existing loan and the payments posted so far.

SSS Salary Loan apply online status

Select Loan Status/Loan Info under Loan menu.

monitoring how to apply SSS Salary loan online Philippines

Clicking the Salary Loan lets you see your Statement of Account & Loan Payment Details.
In my case, more than two years have passed which means I’ve fully paid my first ever salary loan.

Statement of Account & Loan Payment Details

I checked once more the option to apply for a new loan, and I see my allowable loan amount has increased to 34,000 (from the previous 32,000).

SSS Salary loan amount increase

If you have more questions, you can write it in the comments below or contact SSS directly via email ( or thru their Facebook page.

– Omeng Tawid 🙂

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111 thoughts on “How to Apply for SSS Salary Loan Online (and get it in two weeks)

  1. leriedel

    Question lang po.. if seaman sir.. may idea po kaya kayo if san po pwede mapacertify ung sss loan online application? yung crewing manager lang po kase ang contact sa employer and according to him hindi siya ung nagcecertify non and wala siya idea kung kanino pwede magpacertify.

  2. Polly

    Hi Omeng,

    Can my company hold my salary loan? because I am planning to resign and first loan ko di ko pa na,receive, pwede ko bang kunin yun sa post office?

  3. denzjim

    hi sir. how many days bago ko makuha yung cheke q. i was applied on sept 11 and approved by my employer and check generated na rin on the same day. nasa province po kasi mailing addres nmin, dito po sa camarines sur

  4. bea

    Hi! applied for my salary loan and im just waiting for my check. I was wondering how to encash it, I only have 1 ID bearing my married name cause I just got married this January. what alternative can I do? ty

  5. romnick

    Gudafternoon Sir Paano po kung Nagkamali ako ng nasendan na company, pde pa po ba i-cancel ung online application ko??? may Expiration din ba ung application ko?? tns

  6. Luigi

    I applied for a salary loan online pero walang lumabas na mailing address, after ko mag input ng loan amount and company diretso computation table na after ko isubmit then nagproceed na siya, upon checking sa loan status, walang laman yung mailing address ko. Any thoughts about this po?

    1. Omeng Tawid Post author

      It’s fine with blank mailing address. If you’re employed,the cheque will be mailed to your employer. That was the case for me (watch the video above).

  7. Krish Edward Madarang

    hi,Omeng. Did SSS send you an email acknowledging your loan application and showing the transaction number? unfortunately for me, i was not able to get transaction number. thanks

  8. dondon

    helo panu poh mag apply nang online kc nka register na ako pero anong password ilagay ko kc upon regstration wla silang hiningi nang password..only users name lang..pano yan?

      1. Karel Padilla

        Hi , mismo sa branch ako nag apply ng salary loan then sabi dun sa SSS wla na dw notification mare receive employer balik after 2 weeks . Then i checked online nakalgay sa status nung loan q is salary loan granted. Pwd ko na bang makuha ung check sa branch or available na ba un ?? Salamt

    1. Krizza

      There will be a link sent to your email by SSS.. open mo using internet explorer.. dun mo mlalagay ung password.. 🙂

      1. Medyo Hilas

        32K is the highest if and only your contribution already made 72 contribution or more..otherwise, you will receive only 16k if your still in 36 to 71 contributions count.

        The maximum declare salary on sss is 16K… for some reason if the declared salary of your sss account is 10K (for example) your first loan after 36 contribution will be 10K only.

  9. Mercy

    Hi, good day. Where should I claim the check? My mailing address is at home. Does it mean it will be delivered at the mailing address or at the post office where the loan was filed? Thank you for your response.

  10. MacpogiMac

    An OFW here, I applied my loan thru website 2 weeks prior my vacation, then voila, I received my check one week upon my arrival. Just like Omeng, I applied for the sake of trying how effective the system is. Immediately deposited the check to my account until now buo pa din hehehe… trust the system…

  11. AIZA

    good morning, just want to ask, my family already received my salary loan (cheque) in the Philippines what documents they need to encash that, or they can deposit it in my account?

  12. Trisha

    Hi question po nagapply ako ng loan july 16 naapproved na ng employer and may email na sila pero bat nakapending padin pag chinecheck ko online?

  13. Czarina

    Sir, once the status is Check Generated, wait nalang po ba ako nun, i mean, sa employer ko po ba isesend ang check? Ty in advance po.

    1. ONEBEAT

      yup once the status already in CHECK GENERATED wait mo nalang na makarating ito sa office ninyo basically the normal process takes 2-3 weeks kasi i transfer pa sa post office yung cheque then postman will send drop your cheque direct to your office

      as of today 112918 possible na mas mapadali ang pag received ng sss loan mo mag apply ka lang saving account sa UNIONBANK at i add mo sa sss loan application na mode of payment and CASHCARD approximately 3 working days makuha muna yung pera

  14. arbie

    Hi. Thank you for this very useful information. I am able to apply to Salary loan yesterday. Same with your process thru online. After I submit my application online, I called the main office to notify them about my application. They certify it right after I call. I also received text and email that they approve my application. Now I am waiting for my check to deliver in the main office. Hopefully it won’t take too long.

  15. dex licup

    Hi this is urgent. I processed my sss salary loan via website and shows it is approved and qualified for printing the check but the problem is i already terminated from work can i still receive my check to my employer even im terminated please help me

    1. Madz

      Hello. It means SSS is currently processing your check. You may check back after a week or so for an update on your application. Once your check is available, they will show you the total amount or loan proceeds less processing fee. This status means your check is on its way.

    2. OneBeat

      QUALIFIED APPLICATION FOR CHECK PRINTING means your application are now line for check generation one the check created the status will change to CHECK GENERATED

  16. julius

    Hello Sir Omeng. I hope you are still active. I am an early retiree. I availed the Early Retirement Plan offered by my company at the age of 50 and have decided not to continue paying my monthly SSS contribution. I am just waiting till I reach the pension age which is still 10yrs from now. My question is, am I still eligible to avail of a personal loan during this timespan? do I still need certification from my previous employer? Appreciate if you could provide advise regarding the process?

  17. MARY

    How to cancel salary loan, na approved lng po last 04/03/2018? I chosen wrong company branch, so hindi ko talaga maku2ha ung check.

  18. Dale Lopez

    Last January 2018 I tried the online salary loan with SSS, but the site was consistently crashing, so I gave up. March 7, 2018 out of curiosity I filed my online application and it did pushed through! Though I received an error message after clicking the submit button, I got an email that my application was being verified. I applied at around 2AM maybe you should try it also around that time. I used my mobile google chrome browser to access the site.

  19. JC

    I did try filing for a loan yesterday via their online facility and it went through. I did notify my employer and thought that was the end of it since they just need to certify my application. But no, it wasn’t. My employer did try certifying my application twice, with several hours in between only to tell me that they were unable to do so since the website is returning some error. By the way, on those two occasions my employer was trying to certify my loan, SSS sent me emails saying that they are rejecting my application since my employer won’t certify it. What I did is try filing for another loan but it won’t push through since they tagged my initial application as “pending”. All I can do for now is wait for the initial online application to expire so I could lodge another online application OR do the manual process, that is, to fill out documents, scan IDs, send it to our company’s HR office and hope there are other employees also filing for SSS benefits so my employer would then be able to file all our applications in just one trip to SSS. After that, the wait begins.

    Really, what is the purpose of this online facility when employees and employers who pay their SSS dues still need to process things manually?!? Where do our taxes go to then. They should be hiring competent IT people. Tss! Old, grumpy branch employees + fresh from college IT people. Talk about extremes. Really not happy with PH government agency services.

    1. Lowis

      I actually tried applying for Loan online just usibg my phone this morning and it went through, then I sent an email with our HR to certify my Loan application after a few hours I received an email from sss congratulating me couz my employer already approved/certify my loan.

    2. Jen

      Same thing happened to me, inaapproved ko ang salary loan ni boss pero it keeps on showing the same thing na click “y” to approved, pagkasubmit balik na naman sa page na icecertify mo yung loan. I tried it sa ibang browser pero ganon pa rin.

    3. aple

      sorry to hear about ur experience but pls do know that SSS online is under maintenance so u may receive errors from time to time, I tried submitting salary loan app. through their website since dec of last year but was told to just process it manually due to the maintenance they have,

      might be best if u do it manually, it’s faster and u only need the salary loan app. form, ur valid id’s and a signature from your HR . that’s it. then the waiting game begins. 🙂

      1. Rose Ann Lapinid Lapas

        hellow po my name is rose ann and i was also aqpplying loan sa sss for the first time and i process it through online and as i expect sss notify me trough my email that my sss salary loan was succesfully granted and must certify my employer .And as i expect na certify napo siya sa employer ko at nong chineck ko yung status nang loan ko po ito po yung sabi

  20. Christopher

    If you are having the error “Service Unavailable” when trying to file the online loan application.

    *This only works if you have a UMID Card

    Try these steps : (I did this as I had the same problem and)
    1. Register to the SSS website (if registered, go to step 2)
    2. Go to the nearest SSS Branch, go look for the SSS Kiosk or the machine
    3. Tap your UMID Card (Register if you are still not registered)
    4. Browse and look for the online loan application there
    5. Apply for the loan application and check your loan application in the SSS website

    *If you are having problems because your fingerprint is invalid (though you are sure that there is no problem with the fingerprint) the most likely problem there is that the Kiosk is down.

    *I have failed to apply on their website and this is the most convenient way for me to apply for a loan application since I don’t have much time to fall in line and personally apply the loan.

    *Filed my loan during the SSS online loan application is down (Feb 10 – 20) and successfully filed my loan application using these steps.

  21. Ivan Rey


    I did try to apply for salary loan thru their Online Website but experienced the same thing as what others are getting: “Service Unavailable. Please try again later.” or “Apply Salary loan link is not visible on the website”. What I did was went directly to a branch and asked if the online application is down. They said the online salary loan application is not available as of the moment because they are currently upgrading their system. They advised me to manually apply thru their branch by submitting the required documents.

    3 documents needed:
    1. Fully filled up Member Loan Application Form
    2. Photocopy of updated Specimen Signature Card (SS Form L-501) – which you can get from your employer
    3. Photocopy of 2 valid IDs

    You can also schedule an appointment online so that you don’t have to wait for hours. Just select the branch and most convenient time you want.

    I was able to process it on their branch in less that 5 minutes (depends if their system is online. Sometimes it goes offline and you have to wait for minutes, if not hours.). They also said to wait 2 weeks before I can get my check and will be waiting for it first week of next month! 🙂

    1. alona

      Same here, ndi talaga ok ang salary loan online, nag email ako sa SSS CS and they respond na to apply nlng direct s any SSS branch.

    1. Sheen

      The apply for salary loan under e services is no longer there after the maintenance. Tried to email them but still no response.

    2. Louise

      I Tried applying for Salary loan but it says “Service unavailable. Please try again later.” when I click submit. Is it an error in the website?

    1. Maricel

      Link to apply salary loan under E- Services is even gone. I have been waiting for my Nov 2017 contribution under my new company to be posted. It only got posted yesterday so I immediately tried to apply for salary loan on my SSS account. However, every time I clicked on the link, it would give me a “website not found or page not found error”. I tried several times and kept getting the same issue until the link disappeared. Am I the only one getting the error? I am sure my application did not go through because I did not get to the confirmation page.

      1. Omeng Tawid Post author

        Oh that’s not good to hear.
        You can contact them in the meantime thru their SSS Facebook page and apply for a salary loan if really necessary at one of their local branches.

    2. Kenoizt

      Until now, still the same error. Sana may notification sa kanilang website kung may problem sila for application of loan salary.

  22. Joy

    Wow, thanks sa info. But is this really true? I applied SSS loan just today, so I will be expecting I’ll receive my sss loan check on or before last week of Jan? I need it badly kasi. :/

    1. Omeng Tawid Post author

      Joy, yes that is from my actual experience, which I think is the simplest case.
      Better follow up your application with your employer to expedite the process and make sure they’re aware. Good luck!

  23. Joanna Marie Mendoza

    I applied a salary loan last 3rd of October with my current employer, but I decided to move to a company near home and hired successfully but obviously I will get change employer effectively October 16, in that case. Do I still need to get my salary loan to my previous employer where this application was being verified to SSS or it will be cancel once I resigned?

  24. mary

    I just want to ask if am I able to file a loan even if I don’t have an employer ..I got an online account in SSS and it shows that I already contributed 36 months?

  25. Rowena Araña

    hello!..7 months after I decided to apply sss loan online,and until now I don’t know what to do after registration….

  26. Dan Musni

    I just would like to ask how long does it usually take to claim the sss loan check from the post office? I filed for my SSS Loan last June 24, 2017 and my employer approved of the request last June 25,2017. Does it guarantee it can be claimed within 2 weeks time? If not what are the cases that may cause the delay? Hoping for your immediate response on this.


    Dan Musni

  27. lex

    hi im lex I just file my loan last june 8 and It was approved June 9 , but there is no update yet, When can I expect the arrival on my cheque , should I ask my employer about it or go directly to sss, and where can I claim it? tnx

  28. Jopen

    I.have an existing sss sAlary loan. Paid it for over a a year now. my question is, will i get approve if i apply for a two month salary loan.even though i.have less than 72 months of sss membership? Thanks

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  30. Vicente

    hi mark same senario I just file my loan last May 30 and It was approved June 1 , but there is no update yet, When can I expect the arrival on my cheque , should I ask my employer about it or go directly to sss, and where can I claim it? tnx

  31. edward

    I also have not received my SSS check for 3 weeks now…where can I claim the check if I already have a registry number…I work in Mandaluyong, should I claim it in Mandaluyong post office?

  32. Jess

    Hi! Im trying to apply sss salary loan online , but it seems the web page for salary loan application seems to be not working is there any update for the error? Thanks

  33. Patty

    I just file a loan tru sss online application on may 16th it was certify and approved by my employer may18,2017…i went out from our HR office they said cheque was yet mailed..i was so confused about it! Its already june 14 but still i dont get any response nor updates about it…

  34. Mark

    I did file the loan on june 1 and it was approved on june 2nd, 2017. When can I expect the arrival of the cheque? Thank you

  35. archie zamora

    Very helpful article, Omeng! Good thing I found this one as I applied for an SSS loan and my employer already certified it today (May 30, 2017). You said that it took less than 2 weeks and you got your cheque. My question are as follows:

    1. Was it sent to your employer or were you just notified by your HR to claim the cheque from an SSS branch?
    2. Did you have to encash the cheque from PNB Diliman or do you have an option to use other banks?

    Hope to get your advise soon.

    Thank you,

    1. Omeng Tawid Post author

      Hello Archie,
      1. The cheque was sent to my employer so I just had to get it in our office.
      2. You can deposit this cheque to your account in any bank (I did this with my BPI).
      This will require at least one day to be credited to your account with the new cheque clearing process.

      If you want to encash it right away, you can go to a PNB branch and get the cash equivalent.

      1. Roselle David

        Good day Sir… I just want to ask any advice, since I am a voluntary member now and I applied a salary loan yesterday. The sss aproved it but how can I get or avail my cheque? Do i need to go in the nearest sss branch or they will send it to my mailing address? Hope you will notice me. Thankyou😊

        1. Omeng Tawid Post author

          Hello Roselle, you can visit your branch to verify this.
          There are cases when cheques are mailed but are stuck with mail service provider, so make sure this does not happen to you.

          1. Patrick Resoles

            Hi Omeng! In my case, I am not sure if my cheque is stuck with mail service provider, as I still haven’t received mine. I’ve called SSS and they told me that they already mailed the cheque but HR hasn’t received it yet. I called QC post office to trace the mail, but they need this registry number which I can get from SSS. I called SSS again, and unfortunately, they told me that I have to personally get that registry number from main office. This is very inconvenient to me, as I live far from the metro. Although my question is do I have to set an appointment before I go to main office?

          2. Omeng Tawid Post author

            There’s an appointment facility online, though I believe you can just walk-in.
            The online appointment however can be easier as you’ll be assigned time period for visit, saves you time.

Got questions? Leave your comments below.