Loans2 min read · Updated October 21, 2026
SSS salary loan: how much can you borrow?
The most you can borrow, the interest, the service fee and the monthly payment on an SSS salary loan.
How much you can borrow
A one-month loan is your average salary credit over the last 12 months. A two-month loan is twice that. You may borrow less than the limit.
Example: ₱20,000 loan
| Service fee (1%) | ₱200 |
| You receive | ₱19,800 |
| Monthly payment, 24 months | ₱905 |
| Total interest | ₱1,709 |
Who can apply
One-month loan: 36 contributions, including 6 in the last 12 months. Two-month loan: 72 contributions, including 6 in the last 12 months. You must be under 65.
Common questions
How much interest does an SSS salary loan charge?
8% a year on the balance for an initial loan.
How long do I have to repay?
24 monthly payments.