SSS Salary Loan for Self-Employed or Voluntary Members: A Quick Guide

My SSS salary loan check was delivered to my address a week ago. How long did it take? Four days short of a month. Fast, right? I thought so, too.

The most surprising thing about the application was that it was a breeze. Yes, it takes patience when using the SSS online portal but once you obtain access – applying for a salary loan is so easy.

SSS Salary Loan Application for Self-Employed or Voluntary Members

You have already signed up for my.sss, you know your user ID and password by heart, and your internet connection is reliable. Those are three assumptions I’m making.

Now, once you’ve logged on successfully to your my.sss page, your first assignment is to find the ELIGIBILITY tab, and select “loan” from the drop-down options (as illustrated below).

Salary Loan Eligibility - SSS

As a self-employed or voluntary member, you have no employer. Simply click the box as indicated on this image. Your Employer ID Number will be then automatically generated. Click “Submit”.

Employer ID Number- Voluntary Member

Now, here’s the exciting part: how much salary loan can you apply for? SSS requires at least 36 monthly contributions to qualify for a one-month salary loan. Here’s how it looks ( I erased some details for privacy reasons but from your end, you will be able to view the amount of loan you can get):

SSS Salary Loan Eligibility -Voluntary Member

Since I have 40 posted contributions, I’m eligible! I hope you are, too. If you click the Loan Disclosure Statement, you will get a copy of the full details of your SSS salary loan.


The day after I filed this loan online, I checked the Loan Status and it was approved! Then, I obsessively monitored its status the following days. To my frustration, the same message appeared: CHECK GENERATED.

SSS Text Service: Not Helpful in Tracking SSS Salary Loan

I wonder why no one ever talks about how unhelpful SSS text service is. Neil already warned  me that tracking my salary loan through SSS SMS was, at best, useless.

To illustrate, this is the answer I got when I inquired via SSS text about my SSS loan status (it costs Php 2.50 to send this message):


Curious me, I still tried. I thought if a service exists, then it must be helpful. Only to prove how Neil was right. The SSS SMS service can’t tell you any significant info about your SSS loan status.

You’d have a better chance of knowing by visiting the POST OFFICE and asking their staff for your SSS check. I did. And after a weekend, I got my check.

In hindsight, I thought I would still get my SSS salary loan within a month. After all, it’s a loan with interest and SSS benefits from members who borrow from their own savings.

Know a voluntary or self-employed SSS member? Share this post to her/him. Happy encashing! 🙂

*Please note that I’m located in Cebu so my circumstances might be different. I’m also not an employee of SSS, I just made a promise to share my experience with their service once I receive my loan.







11 Comment

  1. jing says:

    Nice Izzza, sama sa ka nice sa imong shades na akong gi comment na asa ka ni buy and if naa bay pares ato hehe.

    very helpful, if naa mo ask naku how to apply a loan in SSS, ill recommend this. 🙂

  2. Issa says:

    Hi, Jheng! 🙂

    Thanks for dropping by and leaving a comment! Musta na? 🙂

    Hmm.. I think naa pa man sa Penshoppe. Daghan man ‘to sila.hehehe.. +/- 300 lang yun. 😉

    If previously employed sila, they need to change their status from employed to self-employed by paying as voluntary member.

  3. Judelyn fontanilla padua says:

    Verify my sss voluntary loan kelan ko mkukuha

  4. Issa says:

    A check will be sent to the address you put on the loan application. Did you apply for this loan online? If you log in, you’ll see the status of your loan.

  5. Ace says:

    Hello would like to ask, once you click to the loan disclosure statement, does that mean that you already filed for the salary loan already?

  6. Issa says:

    Hi Ace,
    If you click the Loan Disclosure Statement, it will show a copy of the complete details of your SSS salary loan.

    After that, you can log on to check the status of your loan. It’s usually fast, in my experience, my SSS check was generated within a month.

    Hope that helps. 🙂

  7. Camille R. says:

    Hello mam i just want to ask anu mangyayari po if nag file ako ng sss salary loan employed po ako then i have to resign due to unexpected issue and want to change as voluntary member. Can i still get my Loan check sa HR ko before im not sure but i think within this month daw nung nag apply ako sa sss branch malapit samin.. please i need help po thank you

  8. Issa says:

    Hi Camille!

    Approved na ba ang loan mo? If yes, you just have to wait for the check. It’s sent via post office. May online SSS account ka? You can check the status of your loan through your online account.

    Hope that helps.

  9. apple says:

    hi i am currently employed and i am planning to resign but i wanna know kung pwede ba magloan kahit not connected kana sa company. i currently have 39 contributions posted as of now and i am still employed.i am planning to resign once i have verified n pwede magloan kahit wala ka na sa company..

    p.s sa PAG-IBIG kasi dapat employed ka para makaloan ka or may source of income ka. ehh paano. gusto ko rin sana malaman kung same rule applies sa sss.

  10. apple says:

    i guess same kami ni camille. ma aapprove pa rin ba loan kapag hindi kana employed kasi yung employer mo yung naghuhulog ng contributions. ex. ngayon ako magfile ng loan.then nagresign ako next week, aapprove pa kaya yun kasi kung number of contributions yung pag uusapan, I have 39 posted monthly contributions eh.thank you in advance

  11. Issa says:

    Hi Apple..
    I suggest you contact and Expect a reply within a day or two. At least you can get an official answer.
    Ang nasubukan ko lang kasi mag-apply while I was a “Voluntary Contributor”.. Wala na akong work nung nag-apply ako ng salary loan so walang middle person (HR or office manager) na kailangan kong sabihan na i-approve ang loan..

    I applied it online and I got my loan within a month.

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