SSS Salary Loan Repayment Period: How Long Do You Have to Pay?

When availing a loan from the Social Security System (SSS) in the Philippines, one of the foremost concerns is understanding the repayment duration. The SSS salary loan is designed to provide financial assistance to its members, and it’s crucial to know the timeline for repayment to plan finances accordingly.

Repayment Duration for SSS Salary Loan:

As of my last update in 2021, the repayment period for an SSS salary loan is set as follows:

  1. One-Month Loan: For those who qualify and opt for a one-month loan, the repayment term is 24 months or 2 years.
  2. Two-Month Loan: If you avail of a two-month loan, the repayment term remains the same, at 24 months or 2 years. However, the monthly amortization would be higher since it’s based on the total loan amount.

The monthly amortization starts on the 2nd month following the date of your loan, and payment can be made at any SSS branch or accredited banks and payment centers.

Late Payments and Penalties:

It’s essential to be punctual with your repayments. Late payments are subject to a 1% penalty per month. Consistent delays or non-payment can affect your eligibility for future loans or other SSS benefits.


Understanding the SSS salary loan repayment period is crucial to ensure timely payments and maintain good standing with the SSS. Always refer to the official SSS website or contact their customer service for the most updated information and any recent changes in terms or conditions.