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How to Apply SSS Salary Loan Online

How to apply for SSS salary loan online

Who would not want to avoid traffic and long queues? As a Call Center Agent who does not have the luxury of time, I always prefer the fastest and most convenient way when working something. If I can do it online, then I would rather hit the keyboard immediately.

It all started when I planned to resign from work and start a small business. I had thought of all possible avenues where to get additional capital for my business and I happened to share my dilemma with my good friend and colleague. Fortunately, my friend once tried to access the SSS website. She taught me how to use it and suggested to apply for a Salary Loan online.

As a working wife and a mom-to-be, I thought of sharing these things to help those who reside outside the city and need to travel hours from their places just to avail of this kind of opportunity.

I have noted here the process on how to apply for SSS salary loans online without going through the wearisome long queue. But first, make sure that you already have an SSS online account by registering to https://www.sss.gov.ph/. 

You can check how to create an SSS online account post for more information.

Salary Loan Online Application: Step-by-step Guide

We can now apply for SSS salary loan online anytime and anywhere with our mobile phone or portable computer as long as we have an Internet connection.

We can do it at home or we can go to an internet café. We just have to make sure we log out when accessing our SSS account at the internet café to avoid a data breach.

This new service is available to all SSS members whether employed, self-employed, or voluntary member.

Step 1 

Go to the same website as mentioned above which is https://sss.gov.ph/. Let's assume that you already have registered online. Log in with your User ID and Password.

Step 2

Once you've logged in, it will then route you to your My.SSS account. You will then see menus like Home, Member's Profile, E-Services, and PRN. Since the purpose is to apply for a Salary Loan, then, hover your mouse to the "E-SERVICES" menu which will then show the option "Apply for Salary Loan". 

Click on it to see if you are eligible to apply for a loan. There must be 6 monthly contributions posted for the last 12 months prior to the month of filing the application.

Step 3

Click the "I agree to the Terms and Service" box. I suggest that you also read it to be sure that you do understand the conditions of your loan application. Then, click on the "Proceed" command button below on it. 

Step 4

You will then see the electronic version of the loan statement which will show you the schedule of payment, monthly amortization, loan interest, and other important information. Click on the "Submit" button below the loan statement to finalize your application.

A final disclosure statement will then be generated once the application is approved.

You will receive a notification from SSS regarding your application through email, so, you must check it from time to time.

So, that’s it. It is so easy and fast, right? I was able to make it and I believe you can too.

By the way, for employed members, your salary loan application still requires your employer’s approval. Your employer must have an online account too for them to be able to know your online application.

You can inquire with your employer if they do have SSS online access before you create your online account just to be sure you are not wasting your time and effort.

This online service, however, is not available for those previously employed members who have not changed their membership status with SSS.

As I have stated above, the online salary loan application requires approval from the employer. So, if your membership status is still employed, the system will route the information to your previous employer to provide notification about your application.

To avail of the online service as an individual member, you have to change your membership status first from employed to voluntary.

Voluntary means you will now be paying your SSS monthly contributions out of your own pocket. This Voluntary Membership is only available for those who are separated from employment, for OFWs and non-working spouses.

Previously employed individuals cannot change their membership status from employed to self-employed although they engage in a business or online job after being employed. I don’t know why, but that’s how SSS categorized their members.

Best of luck with your salary loan application! If you have further questions, don’t hesitate to put them in the comments section below.

Post a Comment


  1. good day
    i've been enroled my disbursement account since feb 17 untill now no approval? how can i know or proceed to loan & what is the status? thank you.

  2. I want union bank atm because uses for loan sss

  3. where is the exact location of unionbank in bacoor cavite?