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Government loans: SSS, Pag-ibig and GSIS

Cash becomes your best friend in case of emergencies. For Filipinos, extra cash is always needed to attend to short-term and long-term needs. If you’re looking for some quick cash to help with immediate fees and expenses, then getting any of the government loans from SSS, GSIS, or Pag-ibig would be the best option for you.

Why getting a government personal loan is good for you

Government personal loans are often available to every country. Borrowers who want to know how to get a personal loan from the government should fit these three (3) major criteria:

1. must be a citizen and of legal age

2. must be a member of the government body, and;

3. must be employed to pay the monthly payments.

In the Philippines, the best government agencies for government loans are SSS, GSIS, and Pag-IBIG. These are the biggest government agencies that provide financial aid for housing, loans, and social security services. Other financial institutions also offer personal and salary loans. However, government personal loans are much better since they provide higher salary loans compared to other lending institutions. They offer lower interest rates, too. Members who are active payers of their contributions can also repay easily because loan payments are auto-deducted from their salary.

3 ways to get a personal loan from the government

Here are the three ways how you can get a personal loan from the government and the important things that you should know:


GSIS is similar to SSS in a way that they provide social security to working Filipinos. However, GSIS is dedicated to those who work in public offices and institutions.

Loan requirements and qualifications

1. To avail a GSIS loan, you must:

2. be an active member of GSIS

3. have no criminal or administrative case six (6) months prior to the loan application

4. not be without pay if on leave of absence

5. have sufficient take-home pay of at least ₱15,000 to pay the monthly amortization

6. not be suspended from the agency and any other public body

How to get a personal loan from GSIS

Members can use the GSIS Wireless Automated Processing System (GWAPS) kiosks available in 57 GSIS branches to get their personal loans processed. Once approved and confirmed by authorized officers of the agency, borrowers will receive an SMS to notify them with their loan application. The loan proceeds are then credited automatically to the GSIS e-Card or the UMID or unified multipurpose identification card whichever one is available. Successful borrowers are notified through a text.

GSIS loan amount

Loan amounts from GSIS depend on your minimum premium payments. Members who paid a premium of 20 months are eligible to loan three months worth of their basic monthly salary. Premium payments for 25 years are granted to loan 14 months worth of their basic salary.



SSS allows their members; whether employed, self-employed, or a voluntary member, to avail their offered government loans as long as they are currently paying their premiums.

Loan requirements and qualifications of SSS

If you wish to apply for an SSS loan, you must:

  1. be an SSS member
  2. have posted the required monthly contributions
  3. updated employer contributions
  4. updated payments for outstanding loans
  5. not be 65 years old or more upon the time of application
  6. not be disqualified because of fraud against the agency
  7. not have final benefits like retirement


How to get an SSS personal loan

Loan application with SSS is easier because it can be done online. Just log-in to your account, select Salary Loan Application on Transactions and SSS will automatically detect if you’re eligible for a loan or not. Qualified members will be redirected to provide the necessary member and loan information. After that, processing of two to three weeks is needed before the loan can be approved. Members are notified via email or through their Human Resource department.

SSS loan amount

SSS only allows their members to borrow a month or two months worth of their salaries payable within 24 months.


Instead of “personal loans”, Pag-IBIG provides Multi-Purpose Salary Loans to its members.

Loan requirements and qualifications of a Pag-ibig loan

If you are a member who wishes to apply for any of Pag-IBIG government loans, you must have the following:

1. active Pag-BIG membership

2. monthly contributions for 24 months

3. valid identification (ID) bearing your photo and signature

4. latest payslip with a month’s salary

5. accomplished application form

How to get a personal loan from Pag-IBIG

Accomplished documents for loan approval should be brought to the nearest Pag-IBIG branch near you. Make sure that you get all the necessary information from your employer since it’s also needed in your application. This includes the signature of any authorized representative from your company or office head, your employer, their SSS or GSIS number, agency and branch codes.

Pag-IBIG loan amount

The minimum Pag-IBIG salary loan is computed using the premium contributions you have made within 24 months. Pag-IBIG applies a 60 percent loan factor so your loan amount becomes higher with higher premium contributions. Employees with contributions for 120 months or 10 years are eligible to get an 80 percent loan factor.

Now that you know how to get government loans, the next best thing you should do is to choose which one fits your financial needs best. Compare personal loans with GoBear Philippines first before application.

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