Can I directly go to your branch and skip the online application process?

Yes you may, but processing will be much faster when you apply online, as your information and documents would have already been verified.

What if I am unable to answer your call?

Please contact and inform us of the best times and dates on when you will be available to take the call.

May I still avail of a loan even if I cannot visit your branch?

No, you are required to visit the branch at the time of loan release.

When will I know if my loan application is approved?

You will be notified within 24 hours upon completion of loan process, as follows:

Step 1: Completion of online application form

Step 2:  Submission of required documents

Step 3: Verification conducted by our representatives

You may refer to the following table:

Completion of Loan Process

Schedule of Approval

Up to 1PM of a banking day

Same day

After 1PM of a banking day

Following banking day

Saturday, Sunday, Holiday

Following banking day

What if I am unable to repay my loan on time?

You will be charged with the appropriate late payment charges as follows:

SSS Pension Loan - 3.5% of the total monthly amortization

When do I have to repay my loan?

You will pay on each due date indicated on the agreement.

When is the loan released?

Once approved, a company representative will call to confirm your availability to pick up your check.

Is the co-borrower required to be present with me when visiting the branch?

Yes. He/she needs to bring original copies of 2 valid government issued IDs upon branch visit.

Who can I assign as a co-borrower?
  • Spouse
  • Children with earning capacity
  • Any relative with earning capacity
Is co-borrower required?


How much can I borrow?

You may borrow from ten thousand pesos (P10,000) up to one hundred fifty thousand pesos (P150,000) on your first application.

How do I apply for an SSS pension loan?

Apply online or visit the branch nearest you, and bring the original or upload copies of the following: 

  • SSS ID
  • One (1) valid government-issued ID
  • Proof of billing
  • Barangay clearance
Am I qualified to avail of the SSS pension loan?

Yes, as long as you receive any of the following from SSS:

  • Monthly Pension
  • Monthly Dependents Allowance
  • Monthly Partial or Full Disability Allowance