Steps to Process Your SSS Salary Loan Application Online (2024)

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• Who qualifies for an SSS salary loan?
• How much is the usual SSS salary loan
• Requirements to avail
• How to file for a loan
• Steps in filing the loan application online
• SSS disbursem*nt account enrollment
• Loan FAQs

A month’s worth of salary loan: The member-borrower should have at least thirty-six (36) posted monthly contributions.

Two-month salary loan: The member-borrower should have at least seventy-two (72) posted monthly contributions.

However, note that six (6) of these posted contributions should have been made within twelve (12) months before the date or month of filing the salary loan application.

Member-borrower

A member-borrower needs to submit the following documents and IDs when processing a salary loan:

• Member Loan Application Form
• SSS ID or E-6 (acknowledgment stub)
• Valid IDs

For the valid ID requirement, both must have a signature, and at least one must have a photo.

Authorized representative

If your authorized representative is filing the loan application on your behalf, the following requirements apply:

• Member-borrower’s duly accomplished Member Loan Application
• Authorized Representative’s SSS card or any two valid IDs (both with signatures and at least one with a photo)
• Letter of Authority (LOA) signed by the member borrower and their authorized representative
• Member borrowing’s SS card or any two valid IDs (both with the member’s signature and at least one with a photo)

Member borrower’s employer or the company’s authorized representative

If the salary loan application is filed by the employer or the company’s authorized representative on behalf of the member borrower, the following documents must be submitted:

• Member borrower’s completed Member Loan Application
• An authorized Company Representative (ACR) card from SSS
• Employer’s Letter of Authority (LOA) and any two (2) valid IDs
• Member borrower’s SSS card or (if the SSS card is unavailable) Application for SSS card (SSS Form E-6) acknowledgment stub and any two valid IDs.

For employers filing loan applications on behalf of employees

For this purpose, the employer must have an active SSS web account.

Moreover, you, as an employer, must also submit an updated Specimen Signature Card (SSS Form L-501) bearing the member’s signature.

This card should be updated annually to prevent delays or potential rejection when processing the salary loan.

For overseas applications

Since these officers are limited to Foreign Representative Offices in other countries, OFW member-borrowers may opt for an alternative channel. For instance, they can send the application requirements to their relatives in the Philippines.

Moreover, these authorized representatives may file the loan application at the local SSS offices. However, all documents issued by foreign countries need the authentication of the Philippine Consulate Embassy.

To get an SSS salary loan, members can process their application online through the SSS website by following these steps:

1. First, log in to My.SSS with your User ID and password.
2. Click the Electronic Services or e-Services, tab.
3. Choose “Loans” from the E-Services dropdown, then click “Apply for Salary Loan.”
4. Select your preferred loan disbursem*nt channel.
5. Carefully read the SSS Disbursem*nt Account Enrollment. Agree and certify once you have finished reading the document.
6. Enroll your personal bank or financial account or mobile phone number using the DAEM. (The enrollment process is provided below.)
7. Wait for the approval of your enrollment for the SSS disbursem*nt account. Once approved, you may proceed with processing your SSS salary loan online.

1. Log in to your SSS online account

Go to the My.SSS website. Log in with your User ID and password.

Tick the “I’m not a robot” option, then click “Submit.”

2. Go to the e-Services tab

1. After logging in, go to the E-Services tab.
2. Click “Disbursem*nt Modules,” then choose “Disbursem*nt Account Enrollment Module.”
3. Carefully read through the Disbursem*nt Account application’s fine print.
4. Place a tick on the portion stating, “I certify that I have read and understood the foregoing reminders on account enrollment.”
5. Click “Proceed.”

3. Select from the enrollment options

You will see these two options under the Enrollment tab:

• Bank
• E-Wallet/RTC/CPO

4. Provide supporting documents

Attach the following required supporting documents:

• Proof of Account
• Valid ID
• Selfie with your ID and Proof of Account

Note that clear and readable colored JPEG images or PDF documents are recommended.

5. Submit requirements for the Disbursem*nt Account Enrollment Module (DAEM)

Wear appropriate attire and remove intrusive accessories such as earrings and necklaces.

6. Final Steps

Once you have uploaded the final attachments, check the box certifying that all the information provided is true and that you are allowing them to be used in SSS transactions.

Click on “Enroll” to proceed with the transaction. Then, click “Ok” to continue with the rest of the process. You will then see the Enrollment Confirmation on display.

An email notification regarding the Disbursem*nt Account Enrollment will be sent to your registered email address. It states that your application has been submitted and will be evaluated.

After evaluation, you will receive another email indicating whether your DAEM application has been approved or rejected.

If the disbursem*nt account is rejected, the mail will provide the reasons for it. You will be advised to re-enroll using a valid disbursem*nt account or provide supporting attachments that are more readable and clear.