The Social Security System (SSS) recently launched its enhanced Calamity Loan Program (CLP) with over 186,000 borrowers availing of the program resulting in total loan release of about ₱3.4 billion to date.
The Program, designed to provide swift financial relief to members affected by natural disasters, features lower interest rates, faster processing, and more flexible terms.
“This is very good news for our fellow Filipinos in need of urgent financial assistance who live or work in areas declared under State of Calamity due to the combined effects of Southwest Monsoon and Tropical Cyclones Crising, Dante, and Emong,” said Department of Finance Secretary Ralph G. Recto, who also serves as Chairperson of the Social Security Commission. “On top of that, we’ve also lowered the interest rate to make it more affordable — from 10% to just 7% per annum.”
SSS President and CEO Robert Joseph M. de Claro emphasized the agency’s commitment to responsive service: “With the issuance of the revised CLP guidelines, SSS is now able to provide immediate financial relief to mitigate the impact of natural disasters and help our members recover under liberalized terms and conditions,” De Claro said. “We streamlined the activation process to implement future Calamity Loan Programs within just seven working days and allowed loan renewal after six months.”
The Calamity Loan Program is available to members residing or working in areas officially declared under a State of Calamity. Eligible members may borrow up to ₱20,000, with a two-year repayment period. Loan proceeds are released through UMID ATM cards or PESONet-participating bank accounts, ensuring transparency and efficiency.
For the current CLP, provinces under State of Calamity are La Union, Bataan, Pampanga, Cavite, Rizal, Laguna, Oriental Mindoro, Occidental Mindoro, and Antique. In the National Capital Region (NCR), calamity-hit areas are Quezon
City, Marikina, Navotas, Manila, Valenzuela, Caloocan, Las Piñas, Parañaque, Muntinlupa, and Malabon.
Other areas also declared under State of Calamity include Aguilar, Alaminos, Anda, Bani, Binmaley, Bolinao, Burgos, Infanta, Labrador, Lingayen, Basista, Mangatarem, Urbiztondo, Bayambang, Calasiao, Malasiqui, Mangaldan, San Carlos, Santa Barbara, Dagupan and Umingan in Pangasinan; La Trinidad and Tuba in Benguet; Balagtas, Bocaue, Calumpit, Paombong, Hagonoy, Guiguinto, Meycauayan, Obando, Marilao and Bulakan in Bulacan; Paniqui, Camiling and Moncada in Tarlac; Masinloc in Zambales; Agoncillo, Nasugbu, San Luis, Tanauan, Tingloy and Laurel in Batangas; Roxas in Palawan; Concepcion in Romblon; Pototan in Iloilo; and Cebu City.
The SSS has earmarked ₱20 billion for the program in 2025 which is more than twice the amount spent for 2024, underscoring its commitment to supporting Filipino workers during times of crisis.
“While SSS launched the enhanced CLP with reduced interest rates to qualified members, the core principles of financial well-being remain unchanged emphasizing the value of work, save, invest, and prosper,” De Claro added.
For more information and to apply, members may refer to SSS Circular 2025 006 dated 1 August 2025. Members may visit www.sss.gov.ph or use the SSS Mobile App and apply through their My.SSS online account.
