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COMPARE · 9 COMPANIES

Salary loans

Compare salary loans, payroll borrowing and multipurpose member loans. Check employer participation or contribution requirements before deciding which options you can apply for.

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₱1,000₱200,000
1 month60 months

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Optional. These are needed to illustrate an SSS Salary Loan, gross salary alone is not enough.

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9 companies to compare

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We check your choices against published information. Missing terms still need confirmation, appearing here does not mean approval. How this works

Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Eligible AFP personnel / pensioners

A specialised facility for eligible AFP active personnel and pensioners. Confirm repayment deductions and the applicable borrower conditions.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
BDO Network Bank

Salary Loan for Teachers

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Eligible teachers

Salary-linked borrowing for eligible teachers. Confirm the employing institution, payroll arrangement and required net take-home pay.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
China Bank Savings

Easi-APDS Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Eligible education employees

Payroll-deduction finance for eligible teaching and non-teaching personnel in the specified education institutions.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
China Bank Savings

Easi-Funds Salary Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Employer partnership

Employer-accredited salary financing with payroll repayment. Company accreditation is a separate condition from your salary.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Chinabank

SalaryPlus

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Employer partnership

Salary financing arranged through participating employers. Ask your HR team whether your company is accredited.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
EastWest Rural Bank

Teachers’ Salary Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Eligible teachers

The bank lists a teachers’ salary-loan product. Confirm your employer’s deduction arrangement, net-pay requirements and current terms.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GSIS

Ginhawa Flex

Government
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Member eligibility

A GSIS member loan for recurring personal needs. Entitlement depends on the member’s record and repayment capacity.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GSIS

Ginhawa Go

Government
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Member eligibility

The former Ginhawa Lite was relaunched as Ginhawa Go in February 2026. It provides short-term borrowing for qualifying government employees, member and net-pay conditions apply.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GSIS

Ginhawa Max

Government
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Member eligibility

Designed to help eligible members transfer qualifying private debt to GSIS. This is not an unrestricted additional cash allowance.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GSIS

Policy Loan

Government
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Member eligibility

Borrowing linked to a member’s GSIS life insurance policy. The policy value and existing obligations affect entitlement.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Pag-IBIG Fund

Multi-Purpose Loan

Government
Loan amountConfirm your limit
Term24–36 months
Published rate10.50%annual stated rate · see details
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Member eligibility

The official application form states 10.5% p.a., equivalent to 17.5% on a diminishing balance. The amount depends on member savings, existing loans and repayment capacity. Confirm your current entitlement in Virtual Pag-IBIG.

Interest during the two-month grace period and individual entitlement affect the schedule. We do not convert this headline rate into a repayment quote. The source form is version 08 (October 2024), confirm that it remains applicable.

Visit company website Quote required
SAVii

Salary Loan

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Employer partnership

Salary-linked borrowing through an employer partnership. The starting rate is not a universal approved rate.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
SB Finance

eSALAD

Finance company
Loan amount₱10,000–₱2,000,000
TermUp to 36 months
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Employer partnership

Salary finance accessed through a participating payroll arrangement. Employer participation and your assigned limit must be confirmed.

Requirements & eligibility

Eligibility

  • Access depends on employer onboarding and payroll arrangements, the advertised amount depends on net salary credits. Confirm whether eSALAD or the separate Corporate Salary Loan rules apply.

Amount conditions: Advertised range, individual limit depends on net salary credits. Do not apply CSL eligibility automatically to every eSALAD account.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
SB Finance

eSALAD Lite

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Payroll offer

A smaller salary advance for eligible Security Bank payroll customers, including qualifying recently onboarded employees. Confirm fees even when interest is advertised as zero.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
SSS

LoanLite

Government
Loan amount₱1,000–₱20,000
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Member eligibility

A short-term member loan accessed through participating financial institutions, including UnionDigital. Eligibility and amount depend on contributions and salary credits, not salary alone.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
SSS

Salary Loan

Government
Loan amountConfirm your limit
Term24 months
Published rate8.00%annual · reducing balance
Monthly repaymentSet your amountProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Member eligibility

A one-month loan needs 36 posted contributions, a two-month loan needs 72. Both require six contributions in the preceding 12 months. The amount depends on your average 12 latest Regular SS salary credits, not gross pay.

Requirements & eligibility

Eligibility

  • One-month loan: 36 posted contributions, two-month loan: 72. Both require six within the previous 12 months.
  • Self-employed, voluntary and land-based OFW members additionally need six contributions under their current membership type. Legal age and under 65, other loan, benefit and employer-remittance conditions apply.

Documents to prepare

  • Updated My.SSS contact information and an active DAEM disbursement account, employed applications require the relevant employer process.

Amount conditions: Calculated from the average of the latest 12 regular-program monthly salary credits, not current take-home salary. Outstanding loans, fees and prorated interest can reduce release.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

The 8% rate applies to initial loans and renewals without penalty condonation in the last five years, otherwise 10% applies. Pro-rated initial interest and existing loan balances also reduce proceeds. Other SSS conditions remain unchecked.

Visit company website Illustration available

What could the repayments look like?

Try different amounts, repayment periods and interest rates in the loan payment calculator. It is an independent example, not this company’s quote. A longer term can lower each payment while increasing total interest.

Already know your monthly budget? Estimate an amount you could plan around. For an actual offer, include its fees and payment schedule.

BEFORE YOU CHOOSE

What deserves a closer look

01

Check your membership record

SSS and Pag-IBIG entitlements are not determined by salary alone. Contributions, savings and existing balances can matter.

02

Ask whether your employer participates

A payroll product can be unavailable even if you earn enough. Ask HR about accreditation and deductions.

03

Protect your take-home pay

Automatic deduction makes collection easier, but does not make a repayment affordable. Include your other deductions in the budget.

Your questions, answered.

How is an SSS salary loan different from a company payroll loan?

SSS uses membership and contribution rules. Employer-linked lenders use their own payroll arrangements. Being employed does not automatically qualify you for either.

Does my current salary determine my SSS loan amount?

SSS bases the amount on posted Monthly Salary Credits, subject to its rules. Your current gross payslip salary is not the same figure.

Why do recent contributions matter for an SSS salary loan?

SSS requires both a contribution history and recent posted contributions. Check your online record before assuming that an employer’s deduction has been posted.

Can voluntary or self-employed SSS members borrow?

The programme includes qualifying membership types beyond employees. Check the contribution conditions for your current membership category.

Will an overdue SSS loan affect a new application?

SSS checks specified existing loan obligations. Review your loan ledger and resolve any discrepancy before submitting another application.

Where does SSS send an approved salary loan?

An active disbursement account enrolled through SSS is required. Verify the account details in your own My.SSS profile.

Is the SSS salary loan maximum automatically approved?

No. The requested amount and programme entitlement limit the loan. A published ceiling is not a personal approval.

What happens to payroll deductions if I change employers?

Ask the lender and both payroll teams how repayment will continue. Leaving a job does not itself cancel the debt.

Does Pesopal approve salary loans or lend me money?

No. Pesopal compares salary borrowing options and published information. The lender or programme administrator assesses your application and issues the offer. Changing our filters does not submit an application or guarantee eligibility.

What should I verify after comparing salary options on Pesopal?

Check contribution or employer eligibility, deductions and your remaining take-home pay on the lender’s official website or app, then confirm your written offer. Rates, fees, limits and requirements can change after our review, Pesopal’s figures are a comparison starting point, not a binding quote.

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