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

Last updated on September 17th, 2019

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

  1. 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?

  2. 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?

  3. 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

  4. 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.

  5. 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

  6. 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?

  7. 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.

  8. 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.

  9. 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. 🙂

    4. 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

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