GSIS: Emergency loan applications open nationwide

The Government Service Insurance System (GSIS) on Friday announced it is now accepting applications for its emergency loan from active members and old-age and disability pensioners all over the country.

In a statement, the GSIS said the opening of the emergency loan applications nationwide came on the heels of President Ferdinand Marcos Jr.’s declaration of a national state of calamity due to Typhoon Tino. 

“As our kababayans reel from the wide devastation of Typhoon Tino and as we brace for more calamities due to La Niña, the rapid financial relief for our public sector workers and retirees becomes more critical. To support fast recovery and rebuilding, GSIS is supporting President Marcos’s goal to widen and expedite access to our emergency loans for those most affected,” said GSIS president and general manager Arnulfo “Wick” Veloso.

To avail of the emergency loan, the pension fund said members must be in active service, not be on unpaid leave, have at least three months of paid premiums within the last six months, have no pending administrative or criminal cases, have no unpaid loans for more than six months, and have a take-home pay of at least P5,000 after deductions.

Moreover, old-age and disability pensioners may apply if at least 25% of their basic monthly pension remains after loan deduction.

New applicants for emergency loan may borrow P20,000 while those with existing may borrow up to P40,000 from which their balance will be deducted to get a maximum net amount of P20,000.

Members and pensioners are encouraged to apply via the GSIS Touch mobile app to facilitate faster processing and disbursement.

The application period is from November 7, 2025 to February 7, 2026.

The pension fund said emergency loan will be paid via salary or pension deductions in 36 equal monthly installments at 6% per annum.

It added that the loan has a redemption insurance that pays the loan in full upon the borrower’s demise, provided loan payments are current. — RSJ, GMA Integrated News