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Promo Period: January 1 to June 30, 2022

A Member-borrower with a corresponding loan reference number who proceeds to process their loan is qualified for the eRaffle.

Program Mechanics:

1. A member must first inquire for a loan through the PSSLAI website ( or PSSLAI Bilis Online and assisted by SMD's Contact Center Team to be given with a reference number. No minimum loan amount, term, nor loan release type is required to be eligible to the promo.

2. A Member-borrower should inform the loan processor of their issued online loan reference number before processing and finalizing the loan in order to qualify for an eRaffle entry.

3. One (1) successful loan account with a qualified loan reference number is equivalent to one (1) eRaffle entry.

4. Promo is open to any type of new loan product or loan renewals, except for the Back-to-Back Loan 1 (BTB1).

5. A PSSLAI member can earn additional eRaffle entries depending on their chosen disbursement channel:

6. To qualify for the promo, an online loan application must be approved between January 1 to June 30, 2022.

7. A total of two hundred and one (201) winners will be selected:

8. Any loan cancellations on or before the intended raffle draw date shall be disqualified in the promo. Further, members with past-due accounts and loan accounts that went past-due during the promo period are automatically disqualified.

9. Prizes will be credited to the member's PSSLAI VISA card.

10. Member must have an activated PSSLAI VISA Card at time of crediting. Members who have not activated their PSSLAI Visa card within sixty (60) days from the date of announcement, forfeits their prize in favor of PSSLAI.

11. A member can only win once. If the member is drawn more than once, the winner will take the prize of higher value. Winning entries will be drawn electronically on July 15, 2022.

12. Winners shall authorize PSSLAI to disclose and publish his/her name and particulars in the official PSSLAI Website and other social media pages.

13. Winners will be notified via their email address, cellphone and landline numbers appearing on the member's signature card.

14. The prize is not convertible to cash and cannot be credited to any of the member's PSSLAI accounts.

15. PSSLAI employees, officers, trustees, including their relatives up to the second degree of consanguinity or affinity, are not eligible to join in the eRaffle.


Free Burial Benefit

Promo Period: October 19, 2020 onwards


Burial Benefit:

Burial Benefit Amount Cause of Death
Php 100,000

 1. For Active Personnel - If cause of death is in line of duty

 2. For Associate and Pensioners - if cause of death is while doing a heroic act

Php 50,000 If 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:

     a. Dividend Loan (DL)                                        g. Collateralized Motorcycle Loan

     b. Net Pay Loan (NL)                                          h. Vehicle Loan

     c. Overpayment Loan (OP)                               i. Pre-owned Vehicle Loan

     d. Bonus Loan                                                      j. Easy Pay Loan

     e. Real Estate Loan                                             k. Ready Pay Loan

     f. Back-to-Back 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:

     a. Member-borrower pays off all existing loans; or

     b. 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:

     a. 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.

     b. 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:

     a. The member-borrower must have an active loan; and

     b. The member-borrower must not have any past-due account.

     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.

10. Contestability period is applicable for qualified members with ages 75 years old and above.

11. 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.

12. The Burial Benefit program shall remain in effect unless otherwise suspended or terminated by the Board of Trustees.


Promo Period: January 2, 2020 onwards

Promo Mechanics:

1. Promo is open to ALL Qualified PSSLAI Members

2. Qualified loan products for the promo are as follows:

                a. Salary Loan (SL)              

                b. Emergency Loan (EM)     

                c. Universal Loan (upgraded to SL or EM)                 

                d. Affordaloan (upgraded to SL or EM with additional amortization from nthp)                                    

                e. Back-to-Back Loans (BTB)

                f. Pension Loan (PL, AP, OP)

3. Qualified loan products for the promo with their parameters are as follows:

                a. New SL, EM, PL, AP or OP loan accounts with minimum loan amount of Php 275,000 AND loan terms of 3 to 5 years.

                b. Renewal SL, EM, PL, AP or OP loan accounts with minimum loan amount of Php 275,000, loan terms of 3 to 5 years AND must have paid at least the following minimum payments to qualify:

                     1. For 3 year loan term - 14 months worth of payment

                     2. For 4 year loan term - 19 months worth of payment

                     3. For 5 year loan term - 26 months worth of payment

                c. Universal Loan (AS) accounts that are upgraded to either an SL or EM with a minimum amount of Php 275,000 AND loan terms of 3 to 5 years.

                d. Affordaloan (with additional amortization from nthp) to reach the minimum amount of Php 275,000 AND loan terms of 3 to 5 years.

                e. New BTB loan accounts with minimum amount of Php 500,000 AND minimum loan term of six (6) months.

                f. Renewal BTB loan accounts with additional Php 500,000 from the original loan amount AND term of (6) months.

4. The promo is on a per loan account basis. Hence, a member can avail 1 SL and 1 EM account to get two (2) Libreng Cellphone, provided that the corresponding loan account qualifications are met ( loan type, loan amount, and loan term).

5. If the member cancels or terminates the loan account prior to its maturity, the full amount of the cellphone shall automatically be charged to the member or deducted from any of their accounts maintained in PSSLAI.

6. The Libreng Cellphone is non-convertible to cash and is not for sale by PSSLAI.

7. All Libreng Cellphones can be claimed at PSSLAI Head Office, Camp Crame Branch or at any PSSLAI Satellite Offices Nationwide.

8. A qualified member-borrower can authorize a representative to claim their Libreng Cellphone provided that the following documents are presented. viz:

                 a. Original and signed authorization letter from the qualified member-borrower

                 b. Photocopy of the member's PSSLAI ID or any government-issued ID with three (3) specimen signatures

                 c. Photocopy of the authorized representative's valid ID with three (3) specimen signatures