Short-term financial support, now more convenient and accessible.

SSS LoanLite is the SSS Micro Loan Facility for your immediate personal needs! Available through the web or mobile app of participating financial institutions.

Use it for short-term credit needs like:

  • Emergency expenses
  • Medical needs
  • Educational costs
  • Home essentials
  • Small business support

Apply now via UnionDigital Bank’s mobile app!

Definition

The SSS Micro Loan Program or “SSS LoanLite” is a short-term member loan program that provides eligible SSS members with safe, fast, and reliable access to quick cash loans through participating financial institutions (PFIs), with flexible repayment terms for immediate personal needs.

Program Highlights

  • Loan amount from ₱1,000 to ₱20,000.
  • Available through the mobile apps and online facilities of participating financial institutions.
  • Fast and convenient digital application process.
  • No employer certification required.
  • Flexible repayment terms of 15, 30, 60, or 90 days.
  • Interest rate follows the prevailing rate for an initial SSS Salary Loan.
  • Loan proceeds are credited directly to the borrower’s account with the participating financial institution.
  • Designed to provide a safer and more affordable alternative to high-cost informal lending.

Eligibility Requirements

This is open to eligible employed, self-employed, voluntary, and OFW members. To qualify for SSS LoanLite, a member must:

  • Be at least 18 years old at the time of application and below 65 years old at the end of the loan term
  • Have at least 12 posted monthly contributions
  • Have no past due short-term member loan
  • Have no pending or settled final benefit claim (e.g., retirement or permanent total disability)
  • Have no active Restructured Loan
  • Have an account enrolled in the online facility of a participating financial institution
  • Have no record of fraud against SSS

Participating Financial Institutions

The following participating financial institutions (PFIs) are implementing the SSS LoanLite Program:

  • UnionDigital Bank – available by August 2026
  • RCBC – available by 2026 Q3
  • Land Bank of the Philippines – available by 2026 Q3
  • Union Bank of the Philippines – available by 2026 Q4

Additional PFIs may be onboarded in the future.

Repayment Terms

  • Members may choose repayment terms of 15, 30, 60, or 90 days.
  • Repayment schedules may vary depending on the participating financial institution.
  • Repayments may be made through:
    • Auto-Debit Arrangement (ADA)
    • Over-the-counter payment at PFI branches
    • Online bills payment
    • Bank or e-wallet transfer
    • Other payment channels offered by the PFI
  • Loan renewal is allowed after full payment of the loan.
  • Early repayment is allowed, although there will be no rebate of interest.

How to Apply

  1. Access the mobile app or online facility of a participating financial institution.
  2. Select SSS LoanLite or SSS Micro Loan.
  3. Enter your SS Number.
  4. View your loan eligibility, maximum loanable amount, and available repayment term.
  5. Select your desired loan amount and repayment term.
  6. Agree to the required disclosures, terms and conditions, certifications, and consent statements.
  7. Submit your application and wait for approval and crediting of loan proceeds.