Government Salary Loans – SSS, Pag-IBIG and GSIS

Government salary loans administered by SSS, Pag-IBIG Fund and GSIS are among the most accessible forms of credit for employed Filipinos, offering below-market interest rates and automatic payroll deduction repayment. SSS salary loans are available t

Found 5 reviews

The Social Security System (SSS) Salary Loan is the most widely accessed government credit facility for private-sector employees in the Philippines, offering lump-sum loans at an annual interest rate …

  • Annual interest rate of only 10% – far below commercial loans
  • Repayment via automatic payroll deduction
4.6
Read review

The Pag-IBIG Fund Multi-Purpose Loan (MPL) allows active Pag-IBIG Fund members to borrow up to 80% of their total accumulated value (TAV), which is equivalent to up to PHP 80,000 for many members, at …

  • Online application through Virtual Pag-IBIG portal
  • Annual rate 10.50% well below commercial lenders
4.5
Read review

The Government Service Insurance System (GSIS) Policy Loan is available exclusively to active government employees who are GSIS members, providing loans at an annual interest rate of 8%, the lowest of…

  • Lowest annual rate of 8% among government loan programs
  • Terms up to 60 months – most flexible of government loans
4.4
Read review

Land Bank of the Philippines offers salary loans to employees of government agencies and accredited private corporations, with loan amounts from PHP 10,000 to PHP 500,000 at annual interest rates of 1…

  • Government bank with strong institutional backing
  • Loans up to PHP 500,000 for qualified borrowers
4.2
Read review

The Development Bank of the Philippines provides salary loans to regular employees of government agencies, GOCCs and DBP-accredited private institutions, offering amounts from PHP 10,000 to PHP 300,00…

  • Government development bank with mandated social mission
  • Annual rates 10%-12% below commercial banks
4.1
Read review

Guide: Government Salary Loans – SSS, Pag-IBIG and GSIS

Government salary loans administered by SSS, Pag-IBIG Fund and GSIS are among the most accessible forms of credit for employed Filipinos, offering below-market interest rates and automatic payroll deduction repayment. SSS salary loans are available to private-sector members, Pag-IBIG multi-purpose loans to all fund members, and GSIS policy loans exclusively to government employees. These programs are governed by the respective charters of each institution and require active membership contributions as a prerequisite.