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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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A LITTLE ABOUT YOUR PLANS

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₱1,000₱200,000
1 month60 months

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SSS membership details

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

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YOUR STARTING POINT, MADE CLEARER

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

GSIS

Ginhawa Flex

Government
Loan amount₱5,000,000
Term180 monthsfrom 12 months
Interest rate6%yearly
Monthly repayment—
Requirements & documents

Who can apply

  • At least one month of paid personal and government-share premiums; not on unpaid leave.
  • No defaulted GFAL account; agency must not be suspended.
  • Take-home pay after deductions must meet the statutory minimum. Pending administrative or criminal cases affect eligibility, except qualifying light administrative offences.
  • Paid premiums of 1–19 months: up to 1× basic monthly salary, repayable over 1–3 years.
  • 20 months to under 3 years: up to 3× salary; 3–under 5 years: 4×; 5–under 10 years: 7×. These bands allow 1–6 years.
  • 10–under 15 years: up to 10× salary; 15 years or more: 14×. These bands allow 1–15 years.
Apply now
SSS

Salary Loan

Government
Loan amount2 monthly salary credits
Term24 months
Interest rate8%yearly
Monthly repayment—
Requirements & documents

Who can apply

  • 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.
Apply now

Plan your repayments

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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.

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