PSSLAI Loan Calculator Philippines 2026
Use this PSSLAI loan calculator Philippines to work out the maximum amount you can borrow from PSSLAI against your monthly salary or pension plus the investments and deposits already in your account.
Last updated: August 2026 · psslai.com · Salary Loans 14× · Pension Loans 12×
Your gross monthly salary, or your monthly pension if you are retired.
Your Capital Contribution (CapCon) and savings balances held with PSSLAI. Leave blank if you are not sure.
Got your number? Two things worth checking next
→ Which loan product fits your amount — every PSSLAI loan side by side, with published rates and terms. → Grow what you can borrow — how CapCon and savings raise your maximum.What is a PSSLAI loan?
A PSSLAI loan is credit extended by PSSLAI to its own members — active and retired personnel of the Philippine National Police and the Bureau of Fire Protection, together with the Philippine Public Safety College and the National Police Commission. It is not a government benefit and not a bank product. PSSLAI is a member-owned savings and loan association, authorised and regulated by the Bangko Sentral ng Pilipinas, and you borrow from it because you are a member who has been building a balance inside it.
That membership is what makes the borrowing limit unusual. A bank sizes your loan on income and credit history alone. PSSLAI sizes it on a fixed multiple of your monthly salary or pension plus whatever you already hold in Capital Contribution and savings. Repayments are then taken automatically — salary deduction for serving personnel, pension deduction for retirees — which is why PSSLAI can approve quickly and release proceeds in as little as one hour.
How your maximum loanable amount is computed
PSSLAI publishes the multiple directly. An active member borrowing against salary can take up to 14 times monthly salary plus investments and deposits. A retired member borrowing against pension can take up to 12 times monthly pension plus investments and deposits. The calculator above applies exactly that rule and nothing else.
A worked example: an active member on ₱35,000 a month with ₱120,000 sitting in CapCon and savings has a ceiling of (14 × ₱35,000) + ₱120,000 = ₱610,000. A retiree on a ₱30,000 pension with the same ₱120,000 balance has a ceiling of (12 × ₱30,000) + ₱120,000 = ₱480,000. The balance you hold matters as much as the multiple — every peso of CapCon raises the ceiling peso for peso.
This is a ceiling, not an approval. PSSLAI still assesses each application, and the product you end up on depends on how much you need and over how long you want to repay. It is also worth knowing what this calculator deliberately does not do: it does not estimate a monthly payment. PSSLAI does not publish a standing interest rate for salary, pension or back-to-back loans, and it does not publish the amortisation method it uses. Rather than show you a monthly figure built on assumptions, we show you the amount and point you at the published product terms.
PSSLAI loan products 2026
| Product | Amount | Term |
|---|---|---|
| Salary / Pension Loan 5.5 5.5% p.a. promo — subject to availability | Maximum ₱300,000 | 1–12 months |
| Credit Build one-time availment only | ₱350,000 – ₱1,000,000 | 36–60 months |
| Regular | 14× salary / 12× pension, plus investments and deposits | 3–60 months |
| Calamity declared calamity areas; avail within 90 days | Maximum ₱300,000 | 6–24 months |
Every loan is fully covered in the event of the borrower’s death, and qualified member-borrowers get a free burial benefit of up to ₱60,000.
Frequently Asked Questions
How much can I borrow from PSSLAI?
Up to 14 times your monthly salary if you are an active member, or 12 times your monthly pension if you are retired, plus the investments and deposits you hold with PSSLAI. Enter those figures in the calculator above to get your exact ceiling.
What is the PSSLAI loan interest rate?
PSSLAI advertises a promotional rate of 5.5% per annum on its Salary Loan 5.5 and Pension Loan 5.5 products, tied to a maximum of ₱300,000 over 1 to 12 months and described as subject to promo availability. It does not publish a standing rate for its Regular, Credit Build or Calamity loans. Vehicle and motorcycle loans are the exception and do carry a published rate card by term.
Who can take out a PSSLAI loan?
Salary loans are for active members from the PNP, BFP, PPSC and NAPOLCOM, repaid by automatic salary deduction. Pension loans are for retired members, repaid by pension deduction. You need to be a PSSLAI member first, which is a separate application.
How fast is the money released?
PSSLAI states that loan proceeds can be released in as fast as one hour, with minimal requirements and automatic deduction handling repayment. Disbursement to the PSSLAI mobile app e-wallet carries a fee of ₱30 up to ₱50,000.99, ₱150 from ₱50,001 to ₱200,000.99, and ₱300 from ₱200,001 upward.
Also in Philippines:
📋 Rates verified — Official sources: PSSLAI Salary Loans · PSSLAI Pension Loans · Rates and Convenience Fees
⚠️ This is general information, not financial, tax, or legal advice. PSSLAI is a private member-owned association regulated by the Bangko Sentral ng Pilipinas, not a government agency. KnowMyGovt is an independent service — not affiliated with or endorsed by PSSLAI, the PNP, the BFP, the PPSC, NAPOLCOM, or the Philippine government — and is not liable for decisions made in reliance on it.
