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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. 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

    1. Omeng Tawid

      Normally two weeks to one month,and it’s delivered to your employer.
      Contact your employer and ask if they have received it.

  2. 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

    1. Omeng Tawid

      You can try that. Or simply deposit to a bank account with account name the same as in your cheque.

  3. 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

    1. Omeng Tawid

      Better call SSS about this Romnick.

  4. 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

      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).

  5. 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

    1. Omeng Tawid

      Hi Kris, in one of my photos on this blogpost, you can see the transaction number.

  6. 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. Omeng Tawid

      Hi Don, maybe just try the forgot password option.

    2. 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

    3. Omeng Tawid

      Hi, haven’t tried yet the application in a branch. Best check with the branch, or contact your employer if you have.

    4. Krizza

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

    5. Mayen

      Hi magkanu pinaka mataas na loan ke sss 32k yun naba pinaka highest nun??

    6. 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.

  7. 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.

    1. Calli

      If youre employed, that will be delivered to your company.

    2. Mercy

      Thank you so much Calli.

  8. 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…

    1. Omeng Tawid

      thanks for sharing your experience! 🙂

    2. Mylene

      Hi,Ask ko lang po nag apply kc aq ng sss loan nung mar.17,2020 sa sss online,,ng success nmn po application q,kaso nga lng wala pa po dumdating cheque q gawa ng lockdown,,ilang months po ba bgo mg expired ang cheque ng sss loan?
      Thank you☺️

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