How can I qualify for SSS loan?

The Social Security System (SSS) plays a vital role in Filipino workers’ lives, offering not just retirement benefits but also financial assistance when needed. The SSS loan program provides members with access to a significant sum to address various needs. But before applying, it’s crucial to understand the eligibility requirements to ensure a smooth application process.

Who Can Qualify for an SSS Salary Loan?

Here are the key requirements to qualify for an SSS salary loan:

  • Membership Status: You must be a currently employed, currently contributing self-employed, or voluntary member of SSS.
  • Employer Compliance: If employed, your employer must be up-to-date with your SSS contribution remittance.
  • No Outstanding Benefits: You cannot have been granted permanent disability, retirement, or death benefits from SSS.
  • Age Requirement: You must be under 65 years old at the time of application.
  • Good Standing: You cannot be disqualified due to fraud committed against SSS.

Minimum Contribution Requirements:

The amount you can borrow through an SSS salary loan depends on the number of your posted monthly contributions:

  • One-Month Loan: Requires a minimum of 36 posted monthly contributions, with at least 6 contributions within the last 12 months before applying.
  • Two-Month Loan: A minimum of 72 posted monthly contributions is required, with at least 6 contributions made within the past 12 months.

Additional Considerations for Self-Employed and Voluntary Members:

  • For self-employed and voluntary members, you must have at least six posted monthly contributions under your chosen coverage type before the month of application.
  • If you’ve availed of other government loans like those from the Unified Home Lending Program (UHLP), ensure your payments are up-to-date.

Documents Required for Application:

Once you confirm your eligibility, gather the necessary documents for a smooth application process. These typically include:

  • Member Loan Application Form (SSS Form SL)
  • SSS digitized ID or E-6 (acknowledgement stub)
  • Two valid IDs, with one including a recent photo (e.g., Driver’s License, PRC ID, Passport, Postal ID, Company ID)

Remember: Specific requirements and document lists may vary depending on your employment status and SSS membership type. It’s always best to consult the SSS website ( or contact your nearest SSS branch for the latest information.

Planning for Your SSS Loan Application

  • Check your SSS online account (if available) to verify your contribution history.
  • Gather all required documents beforehand.
  • Choose the appropriate loan amount based on your needs and eligibility.
  • Plan for loan repayment to avoid delinquency.

By understanding the eligibility criteria, contribution requirements, and application process, you can effectively navigate securing an SSS loan when faced with financial needs. Remember, responsible borrowing and timely repayments ensure continued access to SSS benefits and a secure future.