SSS Microloan Calculator
Calculate your monthly payments and total interest instantly
Updated for 2026
Loan Parameters
Min: ₱1,000
₱20,000
Max: ₱40,000
₱20,000
Max: ₱40,000
1 year
5 years
5 years
5 years
5 years
SSS Microloan standard rate for 2026
Microloan Details
Loan Amount Range
- Minimum: ₱1,000
- Maximum: ₱40,000
- Based on available balance
Terms & Conditions
- Interest: 10% per annum
- Terms: 1-5 years
- Processing: Same-day approval
- Fees: ₱100-200 only
Quick Facts
- No collateral required
- Direct bank deposit
- Auto-salary deduction
- Can pay off early
Your Microloan Summary
| Loan Amount | ₱0 |
| Interest Rate | 10% |
| Loan Term | 5 years |
| Monthly Payment | ₱0 |
| Total Interest Paid | ₱0 |
| Total Amount to Pay | ₱0 |
Monthly Payment
₱0
Total Interest
₱0
Total Payable
₱0
Processing Fee
₱100-200
Next Steps
✓ Verify your SSS membership is active
✓ Visit www.sss.gov.ph or nearest branch
✓ Submit your application online
✓ Wait for approval (same-day to 48 hours)
Monthly Payment Amortization Schedule
Cumulative Interest Over Time
Important Notes
Before You Apply
- Ensure you’re an active SSS member
- Check your available loan balance
- Have recent payslip ready
- No pending loans allowed
Payment Information
- Automatic deduction from salary
- Can pay off early without penalty
- Late payments incur surcharges
- Contact SSS for payment concerns
Disclaimer: This calculator provides estimates based on standard SSS rates. Actual amounts may vary. For official information, visit www.sss.gov.ph or call 1-547-1000.