SSS Calamity Loan: Guide to P20K Aid for Members

SSS Enhances Calamity Loan Program with Lower Interest and Faster Processing

The Social Security System (SSS) has recently launched its enhanced Calamity Loan Program (CLP), providing crucial financial assistance to members affected by natural disasters. With a budget of P20 billion earmarked for 2025, the program aims to offer swift relief with more favorable terms.

This initiative is welcome news for Filipinos residing or employed in areas declared under a State of Calamity. The SSS has already released P3.4 billion to over 186,000 members through this updated program.

What are the Key Features of the Enhanced CLP?

The revised CLP is designed to be more responsive to the needs of members during difficult times. Key improvements include:

• Lower Interest Rate: The annual interest rate has been significantly reduced from 10% to just 7%.

• Loan Amount: Eligible members can borrow up to P20,000.

• Faster Processing: Loan applications are now processed within seven working days.

• Flexible Terms: The loan is payable over a two-year period.

• Early Renewal: Members can renew their loan just six months after its approval.

• Convenient Disbursement: Loan proceeds are released through UMID ATM cards or PESONet-participating bank accounts for secure and efficient access.

Who is Eligible for the SSS Calamity Loan?

The program is available to SSS members who are currently living or working in cities, municipalities, or provinces officially declared under a State of Calamity.

List of Declared Areas Under State of Calamity

As of the latest announcement, members in the following areas are eligible to apply:

National Capital Region (NCR):

• Quezon City

• Marikina

• Navotas

• Manila

• Valenzuela

• Caloocan

• Las Piñas

• Parañaque

• Muntinlupa

• Malabon

Luzon Provinces:

• La Union

• Bataan

• Pampanga

• Cavite

• Rizal

• Laguna

• Oriental Mindoro

• Occidental Mindoro

• Antique

• Pangasinan: Aguilar, Alaminos, Anda, Bani, Binmaley, Bolinao, Burgos, Infanta, Labrador, Lingayen, Basista, Mangatarem, Urbiztondo, Bayambang, Calasiao, Malasiqui, Mangaldan, San Carlos, Santa Barbara, Dagupan and Umingan.

• Benguet: La Trinidad and Tuba.

• Bulacan: Balagtas, Bocaue, Calumpit, Paombong, Hagonoy, Guiguinto, Meycauayan, Obando, Marilao and Bulakan.

• Tarlac: Paniqui, Camiling and Moncada.

• Zambales: Masinloc.

• Batangas: Agoncillo, Nasugbu, San Luis, Tanauan, Tingloy and Laurel.

• Palawan: Roxas.

• Romblon: Concepcion.

Visayas Provinces:

• Iloilo: Pototan.

• Cebu: Cebu City.

How to Apply

Interested members can find more information and apply for the Calamity Loan Program through the official SSS channels. The complete guidelines are detailed in SSS Circular 2025 006, which was released on 1 August 2025.

Applications can be submitted conveniently online via the My.SSS portal on the official website (www.sss.gov.ph) or by using the SSS Mobile App.

Reference: Over 186,000 Borrowers Avail of SSS Calamity Loan Program, P3.4 Billion Released | Republic of the Philippines Social Security System