PSSLAI Loan Table 2026
Complete PSSLAI loan table 2026 — every loan product side by side, with the amounts, terms and published interest rates PSSLAI itself states.
Last updated: August 2026 · psslai.com · Salary, Pension, Vehicle and Back-to-Back Loans
🔔 Get an alert if these rates change
We will email you whenever these rates change. No spam.
How to Read This Table
Salary and pension loans are sized by a multiple of your pay — 14× monthly salary or 12× monthly pension, plus your investments and deposits. PSSLAI publishes only one interest rate for them: a 5.5% p.a. promo, tied to ₱300,000 over 1–12 months and marked “subject to promo availability”.
Vehicle and motorcycle loans are the opposite — they carry a full published rate card, priced by term and by whether you pay in arrears or one month advance (OMA).
Back-to-back loans are secured against your own PSSLAI balance, so they are sized as a percentage of your withdrawable balance rather than your pay.
Salary and Pension Loans 2026
| Product | Amount | Term |
|---|---|---|
| Salary Loan 5.5 / Pension Loan 5.5 | Maximum ₱300,000 — 5.5% p.a. promo | 1–12 mos |
| Credit Build (one-time only) | ₱350,000 – ₱1,000,000 | 36–60 mos |
| Regular — Salary | 14× monthly salary + investments and deposits | 3–60 mos |
| Regular — Pension | 12× monthly pension + investments and deposits | 3–60 mos |
| Calamity (declared areas, avail within 90 days) | Maximum ₱300,000 | 6–24 mos |
Vehicle and Motorcycle Loan Rates 2026
| Variant | Interest rate by term |
|---|---|
| Brand new — in arrears | 12 mos 5.50% · 24 mos 5.75% · 36 mos 5.90% · 48 mos 6.05% · 60 mos 6.25% |
| Brand new — one month advance | 12 mos 4.64% · 24 mos 5.26% · 36 mos 5.55% · 48 mos 5.78% · 60 mos 6.01% |
| Pre-owned — in arrears minimum ₱100,000 | 12 mos 6.50% · 24 mos 6.75% · 36 mos 6.90% · 48 mos 7.05% |
| Pre-owned — one month advance minimum ₱100,000 | 12 mos 5.64% · 24 mos 6.26% · 36 mos 6.55% · 48 mos 6.78% |
| Motorcycle | 12 mos 8.00% · 24 mos 8.25% · 36 mos 8.40% · 48 mos 8.55% |
Vehicle loans are secured by deposit, need no down payment, and carry no encumbrance on the vehicle. Brand new and pre-owned loans are capped at the total contract price; the motorcycle loan is capped at the total contract price of the motorcycle.
Back-to-Back Loans 2026
| Variant | Amount | Term |
|---|---|---|
| Credit Build (one-time only) | Min ₱350,000 · max 96% of withdrawable balance | 36–60 mos |
| Advance interest, principal on maturity | Min ₱10,000 · max 96% of withdrawable balance | 1–12 mos |
| Principal and interest on maturity | Min ₱10,000 · max 80% of withdrawable balance | 1–12 mos |
| Monthly payment on principal and interest | Min ₱10,000 · max 96% of withdrawable balance | 6–60 mos |
| Calamity | Maximum ₱500,000 | 6–24 mos |
Back-to-back loans use your own PSSLAI account as collateral, so the requirements are just an updated PSSLAI ID and the account being pledged. You can borrow up to 96% of your combined investments and deposits.
Found your product? Two things worth checking next
→ How much you can actually borrow — your ceiling from salary or pension plus your balance. → What membership and CapCon cost — the fees, and how your balance grows.Understanding Your PSSLAI Loan Options
The single most common question about PSSLAI is what interest rate it charges, and the honest answer is that it depends entirely on which product you are looking at. For salary and pension loans, PSSLAI advertises one number publicly — the 5.5% per annum promo — and attaches two conditions to it: a ₱300,000 ceiling and a 1 to 12 month term, available only while the promo runs. It does not publish a standing rate for the Regular, Credit Build or Calamity variants of those loans.
Vehicle loans work differently. There the rate card is published in full and priced by term, and the structure rewards paying one month in advance: a brand new vehicle over 12 months is 5.50% in arrears but 4.64% on the one-month-advance scheme. Over 60 months the same choice is 6.25% against 6.01%. Motorcycles sit higher across the board, from 8.00% at 12 months to 8.55% at 48 months.
Back-to-back loans are the cheapest form of borrowing in the association in structural terms, because you are lending against your own money. The trade-off is that the ceiling is set by your withdrawable balance rather than your salary — 96% of it on most variants, or 80% if you choose to settle both principal and interest at maturity. That makes CapCon the quiet lever behind everything: it raises your salary-loan ceiling peso for peso, and it sets your back-to-back limit outright.
Frequently Asked Questions
What is the PSSLAI loan interest rate in 2026?
For salary and pension loans, the only published figure is the 5.5% per annum promo rate, capped at ₱300,000 over 1 to 12 months and subject to promo availability. Vehicle loans run from 4.64% to 6.25% depending on term and payment scheme, pre-owned vehicles from 5.64% to 7.05%, and motorcycles from 8.00% to 8.55%.
Why is there no standard salary loan rate listed?
PSSLAI does not publish one. Its salary, pension and back-to-back loan pages set out amounts, terms and requirements but state an interest rate only for the 5.5 promo variant. Any other figure you find quoted for a PSSLAI salary loan should be treated as unverified until PSSLAI states it directly.
Which PSSLAI loan lets me borrow the most?
For most members it is the Regular salary loan, because it scales with pay — 14× monthly salary plus investments and deposits, with no fixed peso ceiling. Credit Build tops out at ₱1,000,000 but can only be availed once, and the promo and calamity variants are capped at ₱300,000.
Do I need collateral for a PSSLAI loan?
Salary and pension loans are secured by automatic deduction rather than property. Back-to-back loans are secured by your own PSSLAI account. Vehicle loans are secured by deposit and explicitly carry no encumbrance on the vehicle, so the car or motorcycle is not held as collateral.
Also in Philippines:
📋 Rates verified — Official sources: Salary Loans · Pension Loans · Vehicle Loans · Back-to-Back Loans
⚠️ 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.
