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

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

  1. Ferdinant madrid

    Hi ask lng po naapproved onlive salary loan ko may24 2021 ,tapos sinend ko po sa employer ko sa manila yung voucher number at nag email po ako sa kanila..
    Papasok po ba sa atm metrobank card ko yung loan ko?
    Saka gaano po katagal?
    Thank u

  2. Good am po! Ilang araw po ba makukuha ang salary through online po ako,bale January 27,2021 po xia na approved,ilang araw na hanggang ngayon wala pa laman ATM ko.salamat po.

    1. Natanggap nyo na po yong loan nyo? Ilang days po bago nyo po natanggap sa ATM? Salamat

  3. Good pm! May question lang po ako about sa aking salary loan. Nag apply po ako last Dec. 7, 2020 nung una po hindi ako makapag proceed ng pag-apply online kase po hindi tinatanggap yung disbursement account na naenroll ko which is yung DBP thru mlhuillier since wala man po akong bank account. Ilang beses ko pong sinubukan na piliin yung DBP THRU MLHUILLIER, successful naman po sya kase nagtatanggap ko naman yung email galing sa SSS. Pero pagdating na po sa SSS application hindi po talaga sya nagpo-proceed hinihingian pa din ako ng account. So may pinagtanungan po ako na kakilala ko na nagtatrabaho po sa SSS ang sabi nya po sa akin subukan ko daw na DBP lang yung piliin doon sa dropdown choices kahit wala daw akong bank account sa DBP ilagay ko lang daw po yung cellphone number ko. So sinubukan ko po at naging tinanggap na po sya nung SSS application, nakapag submit na po ako ng salary loan ko online at na approved na din po ng employer ko. Ang status po ng loan ko ngayon ay “Loan has been granted” Ngayon po ang tanong ko saan ko po kaya makukuha yung salary loan ko kapag ready na sya i-claim? Wala naman po akong bank account sa DBP, cellphone number ko lang po yung linagay ko. Sinunod ko lang po yung payo nung pinagtanungan ko. Sa employer ko na po ba yun ibibigay through cheque? Sana po ay masagot ninyo ang katanungan ko. Salamat

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