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Guide to GSIS Loan in the Philippines

The routine nature of the work profile makes life unexciting and reduces your scopes of acquiring new skills. Indeed, government employment remuneration might not be on par with private sector employment for a talented one. Getting additional revenue sources through second employment or business is not possible. You have no choice or privilege in deciding the place of work as well. One may have to live in a distant location far away from his family and responsibilities as a family head.
Yet, the Filipinos yearn for government jobs and strive hard for it, irrespective of the recruitment process’s severity. What could be the reason? The answer is the unmatched benefits and the social security a government job offers through the Government Service Insurance System or GSIS.

About GSIS

The Government Service Insurance System is a government-owned and controlled corporation of the Philippines that works exclusively for the benefit of Government employees. All government employees are de facto members of this system, and their monthly contributions create a consolidated pension fund. GSIS manages this fund and secures its members’ future through various social security benefits such as compulsory / optional insurance coverage, retirement, separation, disability, unemployment, or survivorship benefits. GSIS acts as a helping hand for the members during their financial exigencies by providing affordable loans against their contributions.
With 42 branch offices, 14 extension offices, and 58 service desks, the GSIS has nationwide coverage. Also, it uses the Unified Multi-purpose ID system (UMID) for its identification and transaction processes. All these features make the GSIS easily accessible for elderly pensioners, who constitute a significant share of its members, which makes their lives more comfortable.


  • How much loan can I get from GSIS?
    The maximum amount is available to GSIS members who have worked at least 25 years. They can borrow up to 14 times their basic monthly salary.
  • Who can avail GSIS loan?
    A GSIS member who has been insured for at least one year is eligible for the loan. He or she must have updated premiums and an active policy.
  • How do I pay my GSIS loan?
    The loan may be paid either through monthly amortization or deduction from a member's existing life insurance policy contract at least one year.

How to Become a GSIS Member?

The Government Service Insurance Act of 1997 defines the membership eligibility conditions as the following: “Membership in the GSIS shall be compulsory for all employees receiving compensation who have not reached the compulsory retirement age, irrespective of employment status, except members of the Armed Forces of the Philippines and the Philippine National Police, subject to the condition that they must settle first their financial obligation with the GSIS, and contractual who have no employer and employee relationship with the agencies they serve.”
Under this category, the regular members have to make a monthly contribution of 21% of their monthly compensation to the fund. The employee share for the monthly contribution is 9%, and the remaining 12% has to be paid by the employer.
Members of judiciary and constitutional commissions, prosecutors, and similar rank employments have separate retirement laws. They can enroll in the GSIS as “special members” with a monthly contribution of 6%, shared equally 3% by the member and his employer.

Types of GSIS Loans

GSIS loans offer affordable loans with minimal formalities against member contributions and help them avoid loan sharks in an acute financial crisis. People are often interested in GSIS loan inquiry. Some of the popular loans that GSIS offers are the following.

GSIS Conso loan

The Consolidated Loan GSIS (Conso-loan) enables one to consolidate all his existing loans and take advantage of penalty or surcharge waivers.
The loan has a minimum eligibility requirement of 20 months member contribution and the loan amount of PHP 15,000.
The loan amount and conditions vary with member contributions. For instance, a member with 20 months contribution can get a loan of 3 months salary with a repayment window of 6 years. Whereas a member with 25 years contribution can draw up to 14 months salary for 10 years.
And how long is the processing of GSIS Conso loan? Usually, GSIS Conso-loans have a processing time of 3 days. The annual interest rate for the loan is 12%.

GSIS Emergency Loan (or GSIS Calamity Loan)

The GSIS Emergency Loan provides financial assistance for its members to recover from the hardships of calamities or disasters. An active member, who lives or works in a calamity-stricken area, can get an insured loan of up to PHP 20,000 for 36 months at an interest rate of 6 %. As a mitigation strategy for the pandemic induced financial logjam, the Covid-19 Emergency Loan of PHP 40,000 and Computer Loan of PHP 30,000 is available to the members. To avail of the GSIS Calamity Loan 2020, the borrower should have made at least 3 premium payments between September 2019 to February 2020.

GSIS Pension Loan

A pensioner with no existing loans can get a GSIS Pension Loan of up to PHP 100,000 for an annual interest rate of 10% for 24 months. The loan conditions vary significantly based on your age and monthly pension.
Pensioners who live in calamity-hit areas can opt for a Pensioners’ Emergency Loan that offers financial support of PHP 20,000 for 3 years at an annual interest of 6%.

GSIS Policy Loan

Under this plan, an active GSIS member, who has paid at least 1 year of insurance premium, can apply for a loan equal to his life insurance policy’s cash value for an interest rate of 8%.
The borrower can repay it as monthly payments or deduct the loan from the existing life insurance policy contract.
The loan amount varies with the type of policy. For the Enhanced Life Policy (ELP), one can get up to 70% of the policies accumulated termination value. But for the Life Endowment Policy (LEP), it is limited to 50% cash value.

GSIS Housing Loan

GSIS does not provide any housing loans directly. Instead, it works through partner entities such as Pag-IBIG or GSIS Family Bank.
GSIS has a credit facility agreement with Pag-IBIG, the key shelter agency, to finance GSIS members and pensioners’ housing loans. GSIS has already made an initial allocation of PHP 5 million to HDMF or Pag-IBIG to ensure the necessary funds for issuing housing loans for the needy GSIS members.
The loan amount and conditions vary based on Pag-IBIG loan eligibility criteria.


The GSIS Financial Assistance Loan to DepEd Personnel (GFAL) enables thousands of DepEd members to refinance their existing loans with Private Lending institutions in an affordable way. Both teaching and non-teaching DepEd members can get a loan up to PHP 500,000 at an annual interest rate of 6% with a repayment period of 6 years. You can calculate the payment more accurately using GSIS GFAL loan calculator on the official website.
The scheme is described in detail in the GSIS GFAL loan table. It enables people to set aside the financial worries of the monthly payment and allows them to retire with all benefits for a secure future.

GSIS Salary Loan

With this salary loan, one can get a loan with an extended repayment period of 10 years for an annual interest rate of 12%. The loan amount depends mainly on member contribution.
A GSIS member with 15 years of paid premiums can borrow up to 12 times his monthly payment. One can get a 14 months salary as a loan if he has a complete premium payment of 25 years.

GSIS Multi-purpose Loan

The multi-purpose loans allow a borrower to secure a loan up to 14 months of his salary not exceeding PHP 3 million. One can use the MPL loan to pay off existing loans and avoid the possibility of unpaid GSIS loans taking a toll on their retirement benefits.
For members with 3 years paid premium, the interest rate is 7% per annum. The interest rate escalates to 8% for those with paid premiums below 3 years. MPL has loan duration from 2 to 7 years, depending on the member’s paid premiums and employment status.

GSIS General Loan Requirements

Each loan has its own set of eligibility requirements. But if you want to know how to loan in GSIS, the standard loan requirements for all categories of loans offered by GSIS are the following:
1. The applicant should be an active member of GSIS;
2. No paused payments to the GSIS;
3. At the time of loan application, the applicant should not be on leave of absence without pay;
4. There shouldn’t be any administrative or criminal cases within the 6 months;
5. Your employment status should be active and current;
6. Your net take-home pay should not fall below the amount required under the General Appropriations Act.

The act stipulates that a borrower should have a minimum saving for their regular expenses after deducting all their monthly financial obligations. For an employee, the limit is PHP 5,000. But for a pensioner, the limit is 25% of his monthly income. You can see more information on the official website, as well as the GSIS loan calculator. There you can also get GSIS policy loan computation.
One can get a tentative computation of his social insurance benefits and loanable amount using the electronic GSIS Member Online (eGSISMO) facility.

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GSIS Loan Application Process

Regardless of the loan category, the process to secure a loan through GSIS is almost the same:
Submit the duly filled loan application with the supportive documents either online or through the GSIS kiosks;
After verification, your authorized agency officer (AAO) must certify you as an active member without any criminal or administrative cases;
If the loan is approved, your GSIS loan status will change and the money will be credited to your eCard or UMID card account instantaneously.

How much money do you need?
10 000
Min: ₱ 1 000
Max: ₱ 10 000
You return: 10 000
All your data is under secure protection!

The Alternative for GSIS Loans

The major hurdle for one to get a GSIS loan is its strict eligibility criteria and processing time. GSIS is not yet a fully automated system. Hence, a user has to make applications by traveling to the GSIS kiosks. The lengthy processing time and the necessity of AAO approval even for small amounts can be quite tiresome and intimidating, especially for the elderly pensioners.

On the other hand, reputed and state licensed lenders like Robocash offer fast loans without leaving home. Robocash has a fully automated online interface for loan approval. It takes only a few minutes to get a loan decision.The eligibility criteria for the Robocash loan are simple. Any Filippino citizen within the age group of 21-70 years with regular income and working mobile connection can get a personal loan up to PHP 25,000.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

Robocash has a loan approval rate of 95% and doesn’t require a ton of documents to prove your creditworthiness. It works 24/7 and enables one to get the loan without any bothering of banking hours.


Going through all the complicated GSIS loan process might not be a feasible option for small amounts such as personal loans. Since all the GISIS members have a regular income, one can go with more efficient lenders like Robocash with assured confidence in getting a loan within a few minutes.
Robocash is a state licensed lender that strictly adheres to the lending laws prevailing in the country. For some financial emergencies, time matters the most, and everything else fades away. Robocash helps you overcome such situations in the most efficient, transparent, and ethical way.

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Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Robocash Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.