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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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This Post Has 123 Comments

  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?

    1. Omeng Tawid

      They can deposit to any local bank account bearing the same name.

  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?

    1. Omeng Tawid

      Hi Trisha, SSS system may not be updated real-time.
      Just send follow-up email to expedite your request.

  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. Omeng Tawid

      Hi Czarina. pls ask your employer if they were able to receive your cheque.

    2. Ken

      Can I pick up the check instead of waiting for my employer to do the task?

    3. 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.

    1. Omeng Tawid

      Thanks for sharing. The text and email confirmation are indeed helpful as acknowledgment of the request.

  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

  6. Arra Denise

    what does QUALIFIED APPLICATION FOR CHECK PRINTING status means in SSS loan?

    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

  7. 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?

  8. 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.

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