Learn How to Apply for SSS Salary Loan Online

Life’s full of surprises. You’ll never know one day you’ll be needing significant amount of cash to pay an emergency expense. If you have a little money saved in your bank, your problem is instantly solved. But if you don’t, are you doomed? Not really.

There are tons of options to consider and getting a quick loan might be the right one for you. Before asking help from someone else, consider first the SSS Salary loan. SSS Salary loan can provide you at least an average of your latest 12 monthly salary credit or a two month SSS salary loan which is equivalent to twice the average of your latest 12 monthly salary credits posted.

The good old days are gone. You can now apply for an SSS salary loan online. And the good thing about this is it will only cost you fifteen to thirty minutes of your time to apply for your SSS Salary loan. Forget about filling up application forms and long waiting list of SSS branches. You can easily apply for your SSS Salary Loan online without the hassle.

This means that you can apply for SSS Salary loan on the go, making the process even easier than before.

Today We learn how to apply for SSS Salary Loan Online

Steps on How To Apply for your SSS Loan Online in Few Minutes - Image 1

To start making you SSS Salary loan online, you need to log in to your My.SSS account. If you don’t have a My.SSS online inquiry account, you need to register for a My.SSS online account to be able to apply for SSS Salary Loan online. To register your My.SSS online inquiry account, you are required to provide some personal detail especially your SSS number as well as your Employer’s SSS Number. Learn on how to register your my.sss online inquiry account here.

If you have a My.SSS online inquiry account you can now go to My.SSS Online Inquiry Log in page.

Steps on How To Apply for your SSS Loan Online in Few Minutes - Image 3

Once logged in, the website will display its Main Menu where you can see important links. In the left side of you screen, click on the TRANSACTION and click again the Salary Loan Application. In my case, the Employer ID is automatically populated. I did not enter those figures. If in your case that the SSS Employer ID Number is blank, enter correctly your SSS Employer ID Number so that your SSS Loan Application online will go to the next step. The SSS Salary Loanable amount cannot be modified and will be automatically computed. Know more about SSS Salary loan here.

Don’t forget to tick the “I agree to the Terms and Conditions” statement. Read the SSS Salary Loan terms and conditions online if you prefer. Once satisfied with your online application of salary loan, click the submit button.

Steps on How To Apply for your SSS Loan Online in Few Minutes

It’s not an error but you will be directed again to the same page of SSS Salary loan online application. Click again the submit button.

Steps on How To Apply for your SSS Loan Online in Few Minutes - Image 6

A message confirming your SSS Salary Loan online application was successful will be presented. The message states:

You have successfully submitted your SSS Salary Loan Application. We are awaiting the certification from your employer. Your salary loan application will expire if your employer fails to certify on or before Months Date, Year. Please take note of your transaction number XX-XXXXXXXXX-X.

To explain this part further, your employer will be contacted by a SSS through their SSS Employer online account (if they have one) or any manner they prefer to verify if you are an existing employee of their company. If your employer did not respond to their requested certification for your SSS salary loan application online on or before the given period, then it will expire and you have to resubmit another SSS Loan application online. In my case I didn’t have any problem with the certification from my employer because our HR / Payroll personnel is regularly checking its My.SSS online account and responds immediately to their requests. If you’ve been rejected by SSS because your Employer did not respond to their request, I suggest that after you submitted your second SSS Salary Loan Application online, notify your Company department that handles the Employee benefits/SSS Loans or Company Certification. This department might be your Human Resources or the Payroll Department. Tell them that you are making a SSS Salary loan online and they need to verify/certify you that you are an existing employee of the company. No sweat right?

The period given to your employer takes three (3) to five (5) working days before it expires.

If your employer responded to SSS request to verify you as their employer, you will not encounter any problem. SSS Office will process you loan immediately. SSS will send you a check named after you.

Don’t get to excited applying for a SSS Salary Loan

You might be get sooo excited after reading this blog about applying for SSS Salary loan online. Don’t be, you might get this message:

Steps on How To Apply for your SSS Loan Online in Few Minutes - Image 8

Remember that you should be eligible to apply for a SSS Salary loan to be approved. If you’re not sure if you’re eligible or not, you can try two things: Know the things about the requirements on how to apply for a SSS Short term / Salary loan before applying your SSS Salary Loan online or you can simply proceed on applying for your SSS salary loan online. If you’re not eligible to make your SSS Salary loan, the website will reject your application and display a message below.

My SSS Salary Loan Application Online Experience:

There’s nothing exciting about my experience on making an SSS salary loan online, it’s just the check arrivedquickly. I applied online last June 18, 2012. I actually take a screenshot of every steps on making my loan so that I can share it with you. I managed to apply for my first SSS salary loan online successfully. If you noticed, SSS gave my employer two working days (jun 18-20) to verify or respond to their verification/certification request that I am their existing employee. I never knew how SSS contacted my employer but HR told me that they have My.SSS online account. They respond immediately and my application for SSS Salary loan was back in SSS Office in a short time. June XX, 2012, I received an email from HR that my SSS Check is ready for pick up. Can you imagine, it took only X days to have an SSS Loan without costing me a single dime or breaking a sweat. I just sat in front of my computer and submitted an application.

Steps on How To Apply for your SSS Loan Online in Few Minutes - SSS Salary Loan Cheque

I really don’t even need the money. Out of curiosity, I just tried it out. And that’s my story folks!

Do you want to make your loan now? Tell us what you’ve learned and your experiences on making a SSS salary loan online! Share it with us in the comments.

Filed Under

Nico Robin Salazar

is a freelance blogger and college drop out student. He writes about anything that interests him. While being a college drop out student and an unemployed citizen of the Philippines, he makes his time worth while by doing volunteer works.

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59 Responses to Learn How to Apply for SSS Salary Loan Online

  1. Mike says:

    salamat sa info, nag try aq at ang dali lng pala d pa nga umabot ng 2mins na submit q na… salamat po talaga sa info

  2. alvin moral says:

    Pwede poe ba ako mag salary loan may #09993104504

  3. Jaja says:

    hi! how long it takes ba bago magsend ng verification or confirmation yung sss sa employer ko? nag apply ako tru online this morning sep24 pero til now ng hapon wala padin yung confirmation na dapat isesend ng sss sa employer ko?

  4. dixther p. famador says:

    Pwede ko b mlaman magkano nlng salary loan balance ko? My no. 09051523797

  5. Aireen says:

    how can we know if magkano un ma-babawas sa sahod ng employee?

  6. Jojo Marababol says:

    I regularly file a salary loan with the SSS but this is the first time I have done it online. Although it is more convenient because you do not have to leave your office and go all the way to the nearest SSS office but I have noticed that it takes longer for me to get my SSS loan. Unlike before, the moment I submit all my requirements in one day, I get an sms message that my check is ready for pickup within a week or so and I am able to encash it immediately at the designated PNB branch.. With the online method, a week has already passed and I have not received it yet perhaps maybe because it is mailed thru the post which is irritatingly so slow. I was told by our personnel office that it might take from three up to four weeks before the check arrives. What a bummer!

    Although the manual method takes a bit more work since I have to personally go tot the SSS office with my records but the waiting time and encashment is faster. For me who makes this loan because I need it badly to help me in my everyday finances, the online method is really disappointing in terms of the delivery and encashment.

    I should not have opted for the online method if I had known it would take this long.

    In this day and age of email and internet transactions, although the process of applying is convenient, but the reality of receiving your loan is excruciatingly slow. This is something that the SSS should address. Isn’t it that the process of making this online is not only to make applying more convenient but to also make it FASTER? It appears this online method just makes it SLOWER!

    SSS get your act together please!

  7. I do not know if it’s just me or if everybody else experiencing issues with
    your blog. It appears as though some of the text
    in your content are running off the screen. Can someone else please provide feedback and let me know if this is
    happening to them as well? This could be a issue with my internet browser because I’ve had
    this happen before. Thanks

  8. Roberto labayo discaya says:

    Morning ask ko Lang po if magkano ma loan ko at Kung pwidi na ako mag loan

  9. Pretty great post. I just stumbled upon your blog and wished
    to say that I have really enjoyed browsing
    your blog posts. After all I will be subscribing for your rss feed and I’m
    hoping you write again very soon!

  10. Michael says:

    panu po na compute yun monthly amortization?

  11. reann says:

    hi …nagsubmit po ako ng loan online this is my first loan 6yrs n din ako naghuhulog .pero ang nakalagay po you cannot process your new loan bec.of pending application ano ibig sabihin ano po pwede ko gawin tnx

  12. marjory deguit says:

    i cant log in at MY sss.gov

  13. hnd po ako makapasok sa registration nyo, please let me know on how accomplish sss loan. thanks

  14. joemar says:

    helo po, hindi kasi ako makapasok sa member online registration, ano po ba ang dapat kong gawin ?

  15. dennis says:

    pwede po ba na malaman ang aking sss salary loan balance…?

  16. gian says:

    founf it n po. salamat :)

  17. gian says:

    Hello, bago na po yung website ng SSS :( don’t know what to do

  18. Paul Lira says:

    Hi po ilang days po bago makuha yung check after your employer verified your loAN thank you po

  19. Hasleisnotfree says:

    Why is my sss account is not updated. I have not qualified for my first loan cause it says that i have insufficient contributions, the page says that i have posted contributions of only 35 months, and this update is for this last APRIL 2014, but now its a moth of JULY already, still i prompted that error. How long is the SSS have an update for their database.

    • Ben Daggers says:

      Sa experience ko po eh 3 months bago po maupdate yung record ng SSS online. Ganyan din po yung akin ngayon. kakasilip ko lang din ngayon.

  20. mary ann robles says:

    a aq maka pag online onloan

  21. Fred says:

    TRANSACTION button didn’t work when I tried to click on it. How to proceed on this?

  22. Thanks on this. Danilo L. Duenas Sr. says:

    Comment: Can I seek help on how to access the Transaction? Thanks much

  23. Thanks on this. Danilo L. Duenas Sr. says:

    Comment: I tried to apply salary loan following the given steps however I had a problem on accessing the transactions.

  24. simple says:

    Thanks much!! Awsome!! Xoxoxo

  25. Carmella says:

    Hi! Someone in my Facebook group shared this website with us so I came to check it out. I’m definitely enjoying the information. I’m bookmarking and will be tweeting this to my followers! Excellent blog and great design.

  26. erwin g antonio says:

    Hi there! I told our HR about my application online and told me that our company has no employer online account.So how can SSS inform my employer about my application online? What are the other ways.Thank you so much.

  27. ranel p. mangubat says:

    enquire for remittance?

  28. BHAM says:

    THanks!! this helped me a lot.. I’m still waiting for my hubby’s company to verify, i just registered and took salary loan..

  29. francis says:

    Thanks man. big help

  30. Levi says:

    Sir, can I ask? how many day does your waiting period for the sss salary loan? and where did you pick up the check? office or sss

    thanks btw

  31. jayson c. du says:

    apply for sss salary loan

  32. Helen Madriaga says:

    Hi there! I told our HR about my application online and told me that our company has no employer online account.So how can SSS inform my employer about my application online? What are the other ways.Thank you so much.

  33. Geevey Daves Ayuman says:

    Thank you. It’s very helpful. I’m waiting for my employer to send the certification to SSS now. :)

  34. Ben Maula says:

    Hi there!

    I would just like to inform you that your post, as well as your other entries (registering to SSS.gov, etc.) has been very informative for me. I have followed your instructions well and was able to submit my very first salary loan. More power to you!


  35. jazz says:


    got an error when applying for an online salaray loan. When I click on the I agree to the terms and conditions, got a message that states I need to input the postal code. I have check my profile and have the correct address in there. Any advice?


  36. eufrocina f. reynales says:

    hi! i just submitted the online application for sss salary loan. i already received an email that my loan already confirmed my request. just want to know, if my salary loan will be approved, how will i get the check? is it gonna be mailed directly to me. Thanks God bless.

  37. precy didase says:

    this is my first loan,i just want to know if how many much requared?and what is procedure..thanks..

  38. CATHERINE says:

    what im going to f they said my application cannot proceed bcause of my pending application?

  39. Jenny says:

    Nakakapikon kasi almost 1 month wala pa ang check ko. Pending talaga ung PhilPost mag deliver. Hindi katulad dati na direkta ung SSS ang magbigay sau ng check pag mag loan ka. i takes for 3 days only. ngayun papatayin ka sa pikon dahil sa Manila pa ipa prces ung loan. Pending naman pagdating sa PhilPost . Lalo na dito sa Mindanao. Kakainis.

  40. Warner says:

    Pretty! This was a really wonderful post. Thanks for supplying
    this information.

  41. VINCE says:

    question sir, my loan was approved last 081212 but i still haven’t received the check till now. where or how will i get the check, thanks!

  42. clyn f says:

    what if hindi registered ang employer ko for sss on line loan application

  43. Dark_Angel says:

    Thanks for your blog…Appreciate it… :) directions are easy to understand..you helped me alot… keep it up!!! God bless ya!!!

  44. cely says:

    good day…

    may i ask from good office if a member like me can file an educational loan in oder for me to finish my doctoral degree..

    thank you very much..

  45. To whom it May concern,

    I would like to request for a password reset of my SSS online account. Thank you!

  46. xessa says:

    hi! i just submitted the online application for sss salary loan. i already received an email that my employer already confirmed my request. just want to know, if my salary loan will be approved, how will i get the check? is it gonna be mailed directly to me or through my company?

    • Ben Daggers says:

      Hi Xessa,

      about your questions:

      if my salary loan will be approved?
      It really depends. It’s really up to SSS if they will grant you a loan. But knowing that your Employer confirmed your SSS Loan Application is a good thing. My advice, check your loan status from time to time. You can do this by logging in to your My.SSS account and see if what’s the current status of your SSS Salary Loan.

      how will i get the check? is it gonna be mailed directly to me or through my company?
      In my case, SSS mailed the check to my employer. My SSS Salary loan application took less than a week (3 days to be exact) before I received the check. Everyone I know who applied for SSS Loan receive their checks through their Employer. Few of them, picked them up personally in their respective branch. Since your employer have an My.SSS Online Account, most probably SSS will mail it to them to hand it over to you.

      Send me a feed back again if you received already your check. Tell me what happened and how did you get your check.

      Have a good day! :)

  47. jc says:


    I’d like to ask how many days does it take for the check to be delivered. According to my ..online account at sss, the check was generated on Aug 24, 2012 (The loan was applied Aug 17, 2012). But its more than 2weeks since then and I havent received the check yet.

    In your case how long does it take for you to have your check?


    • Ben Daggers says:

      Hi JC, mine was delivered 4 days after my online application. Our HR just emailed me that they received a check. If it says in your SSS Account that they generated a check, maybe you should call your SSS Branch and ask if it’s available and why until now you haven’t receive it.

      • jc says:

        Hi Ben Daggers,

        Yesterday I emailed the sss about my concern, but I havent received any response from them. I still dont know why is it taking that long for my check to be processed :( I’ll try to call them later.

        Thanks Ben

  48. Drea Maria says:

    Thanks for these info! So helpful! God bless you:)

  49. cyn_cha says:

    bkt po s company ng asawa ko sinabi po me nadedecline p rin dw kht ngaplay onlyn, gusto p rin ng hr ng comp. n mgpadala ng filled-out form at two valid ids. ksma po b un n ipapasa pg onlyn application ang ginawa? nawindang nmn ako at akala ko pde ng ikaw n lng ang mgaplay ng wlang hassle un pala pahihihrapan kp nila. kesyo me cut-off dw ang sss pa. at pg hindi umabot s cut-off (sa pagpasa ng requirements) denied ka. is this possible?

  50. alanna says:

    what about if you’re a self employed / voluntary member? can u still apply for a loan online?