See the best deals and use them to your advantage!

Loan Products:

  • Salary Loan                                            
  • Emergency Loan
  • Excess Salary Loan
  • Other Salary Loan
  • Universal Loan
  • Affordaloan


  • Fast access to cash is now even more affordable where payments are made via salary deduction to finance personal needs, home renovations, and other planned or unplanned expenses.

Maximum Loanable Amount:

  • 12 months regular Salary plus Deposits and Contributions with PSSLAI

Term and Interest Rate:

  • 3 months to 5 years @ 8.25% p.a.


  • PNP :
    • No requirements
  • BFP :
    • Recent Duty Status
    • Certificate of Non-Pending Case
    • BFP ID
    • One (1) Valid ID
    • Two (2) Recent Payslips
    • Certificate of Employment and Compensation
    • Certificate of Non-Pending Case

Additional requirement if for Buy-out:

  • Outstanding Loan Balance from other lending institution/s

EIR Rate p.a.: 3 months @13.055% p.a. to 5 years @15.533% p.a. Other charges: Insurance based on Board approval. Documentary Stamp Tax: Php1.50 for every Php200 for loans above Php250,000. Maximum Loanable amount and interest rates are subject to change without prior notice.

Loan Products:

  • Pension Loan
  • Additional Pension Loan
  • Excess Pension Loan
  • Other Pension Loan


  • Financing retiree’s or loved ones medical, insurance, and other expenses is now more affordable.

Maximum Loanable Amount per Age Bracket:

  • 65 years old and below - up to Php 3 Million
  • 66 - 75 years old - up to Php 1 Million*

Term and Interest Rate:

  • 6 months to 5 years @ 8.25% p.a.

Who can avail:

PNP and BFP Retirees, Survivors, Transferees who are already receiving their monthly pension


EIR Rate p.a.: 6 months @14.943% p.a. to 5 years @15.533% p.a. Other charges: Insurance based on Board approval. Documentary Stamp Tax: Php1.50 for every Php200 for loans above Php250,000. Maximum Loanable amount and interest rates are subject to change without prior notice.

* Medical Evaluation is needed from accredited clinics/hospitals of PSSLAI’s current Insurance Provider

Eligibility: Open to any member of PSSLAI who will avail of a qualified loan product

Qualified loan products: New Salary Loan, Emergency Loan, Excess Salary Loan, Other Salary Loan, Universal Loan, Affordaloan, Pension Loan, Additional Pension Loan, Excess Pension Loan, or Other Pension Loan

Minimum loan amount: Php 350,000

Loan term: Three (3) to five (5) years.

Promo Mechanics

  1. Eligible members who will avail of the qualified loan product has the option to choose to get one (1) smartphone or PLUS Php10,000.
  2. The Libreng Cellphone or PLUS Php10,000 is on a per-account basis. A member can avail of one (1) Salary Loan and one (1) Emergency Loan account to get two (2) smartphones or Php20,000, provided that the corresponding loan account qualifications are met (loan type, amount, and term).
  3. If the member cancels or terminates the loan account prior to its maturity, the full amount of the smartphone during purchase or the Php 10,000 shall automatically be charged to the member or deducted from any of their accounts maintained in PSSLAI.
  4. The Libreng Cellphone is non-convertible to cash, non-refundable, and is not for sale by PSSLAI.
  5. The items can be claimed at any PSSLAI Office nationwide.
  6. All loan accounts availed are subject to the existing terms and conditions of PSSLAI.
  7. A qualified member can authorize a representative to claim their Libreng Cellphone provided that the following documents are presented:
    1. Original and signed authorization letter from the qualified member;
    2. Photocopy of the member’s PSSLAI ID or any valid government-issued ID with three (3) specimen signatures; and
    3. Photocopy of the authorized representative’s valid ID with three (3) specimen signatures.
  8. PSSLAI has the right to refuse the claiming of the Libreng Cellphone by the authorized representative if the documents presented are found to be illegitimate or incomplete.

Program Period: July 4 to December 31, 2022

Eligibility: Open to all Regular and Associate Members (18 and above)

Program Mechanics

  1. Any PSSLAI member is eligible to join and earn as many eRaffle entries as they can provided the following activities/transactions made using PSSLAI’s digital channels during the promo period:
  2. A total of 1,000 lucky winners will be drawn.
  3. A Member can only win once during the eRaffle draw, however if the member is drawn more than once, the winner will take the prize of higher value.
  4. Winners will be electronically drawn on January 13, 2023 at the PSSLAI Corporate Office, 524 EDSA Cubao Quezon City.
  5. Member must use their PSSLAI VISA card for any of the following transactions: Point-of-Sale (POS) instore purchases or Online or eCommerce purchases.
  6. The following transactions are not eligible to earn eRaffle entries: Bills payment; Fund transfers to other PSSLAI VISA cards and other banks; ATM withdrawals; Cash in to e-load wallets/prepaid cards such as Gcash, PayMaya or any similar electronic wallets; Purchase of stocks, foreign exchange trading, crypto currencies; and other financial trading services.
  7. The prizes will be credited to the member’s PSSLAI VISA card on or before February 13, 2023.
  8. Member must have an activated PSSLAI VISA card at time of crediting. Members who have not activated their PSSLAI VISA card sixty (60) days from the date of announcement, forfeits their prize in favor of PSSLAI.
  9. Winners shall authorize PSSLAI to disclose and publish his/her name and particulars in the official PSSLAI Website and other social media pages.
  10. Winners will be notified via their email address and contact number appearing on the member signature card.
  11. Corresponding convenience fees shall be applied.
  12. All PSSLAI employees, officers, trustees, including their relatives up to the second degree of consanguinity or affinity, are disqualified from the promo.

Free Burial Benefit

Promo Period: October 19, 2020 onwards

Burial Benefit:

Burial Benefit amount of Php 100,000 for:

  • Active Personnel - If the cause of death is in the line of duty
  • Associate and Pensioners - if the cause of death is due to heroic acts (Subject to insurance assessment and approval)

Burial Benefit amount of Php 50,000 if the cause of death is due to natural causes

Promo Mechanics:

  1. Any member who avails of a qualified loan starting 19 October 2020 onwards are automatically qualified to the free burial benefit program regardless of the member’s age, membership type (regular or associate), availed loan type (new or renewal), loan term and loan amount.
  2. To qualify for the benefit, a member-borrower must avail a salary-deducted or pension-deducted (new or renewal) loans from October 19, 2020 onwards.
  3. The following products are excluded from the list of eligible products for availment to qualify in the program, viz:
    1. Dividend Loan (DL)
    2. Net Pay Loan (NL)
    3. Overpayment Loan (OP)
    4. Bonus Loan
    5. Real Estate Loan
    6. Back-to-Back Loan
    7. Collateralized Motorcycle Loan
    8. Vehicle Loan
    9. Pre-owned Vehicle Loan
    10. Easy Pay Loan
    11. Ready Pay Loan
  4. Only one (1) burial benefit shall be given to the qualified member-borrower regardless of the number of loan accounts availed from the start of the program.
  5. Member-borrowers who have existing loans prior to the start of the program BUT will not avail of a new loan or renew any of his/her existing loan accounts are NOT eligible to the burial benefit.
  6. The burial benefit is renewed annually.  Hence, as long as the qualified member-borrower has an active loan account from the time the program started until his/her untimely demise, the burial benefit shall remain active.
  7. A qualified member-borrower’s burial benefit coverage shall be automatically discontinued subject to the following:
    1. Member-borrower pays off all existing loans; or
    2. Member-borrower has contracted a past-due account from any of his/her existing loan accounts
  8. A disqualified member due to any reason as indicated in Item #6 can re-qualify to the burial benefit program provided the following:
    1. For member-borrower with a past-due account, they must settle their past dues either by availing of a new loan or renewing an existing loan account.
    2. For member-borrower with paid off loans, they must avail a new loan account to re-qualify
  9. Claiming of the burial benefit shall be subject to the following parameters during the time of death, otherwise, the claim will be deemed disapproved, viz:
    1. The member-borrower must have an active loan; and
    2. The member-borrower must not have any past-due account.
  10. For death due to the performance of a heroic act, the burial benefit claim is still subject to the assessment and approval of the insurance company.
  11. Contestability period is applicable for qualified members with ages 75 years old and above.
  12. For purposes of this program, "HEROIC ACT" refers to an act of defending, protecting or helping others in need despite the risk to life of the member, and which resulted in his/her death.
  13. The Burial Benefit program shall remain in effect unless otherwise suspended or terminated by the Board of Trustees.