The Kasangga Loan by PSSLAI is a salary-deducted loan program designed for active members of the PNP, BFP, PPSC, and NAPOLCOM who need fast and affordable financial assistance. With low interest rates, flexible terms, and automatic salary deductions, it offers a hassle-free way to manage urgent or long-term financial needs. Loan proceeds can be released in as fast as one hour, making it a reliable option for members facing emergencies or personal projects. On top of that, borrowers enjoy added benefits like free healthcare coverage and burial assistance, giving extra peace of mind to uniformed personnel and their families.
Unlike traditional loans that require long waiting times and extensive paperwork, the Kasangga loan products are affordable, fast, and convenient loan options that offer financial flexibility and peace of mind. If you’re an active member of the PNP, BFP, PPSC, or NAPOLCOM, this guide details everything you need to know about how to apply for a PSSLAI Kasangga Loan—from eligibility and requirements, to the different loan variants, benefits, FAQs, and borrower tips.
Why Choose a PSSLAI Kasangga Loan?
Borrowers often ask why they should consider Kasangga Loans when other financial institutions also offer salary loans. Here’s what makes Kasangga Loans stand out:
- Borrow more: Loanable amount of up to 14x your monthly salary plus your investments and deposits.
- Pay less in interest: With rates as low as 5.5% per annum, it’s among the lowest in the market.
- Flexible repayment options: Choose a loan term that works for your budget, from a few months up to five years.
- Minimal requirements: No need to worry about long checklists of documents.
- Fast approval and release: Loan proceeds can be released in as fast as 1 hour.
- Automatic salary deduction: No stress about due dates; payments are deducted straight from your salary.
- Loan protection: If the borrower passes away, the loan is fully covered.
Added perks for qualified members include:
- Free Burial Benefit of up to ₱60,000.
- Free Healthcare Coverage worth ₱30,000 per illness for one year.
Kasangga Loan Variants
PSSLAI offers different loan types to match the specific needs of its members:
- Kasangga Loan 5.5 (Promo)
- One-time availment only
- Maximum loan: ₱300,000
- Terms: 1–12 months
- Kasangga Loan: Credit Build
- Designed for bigger needs
- Loan range: ₱350,000 to ₱1,000,000
- Terms: 36–60 months
- One-time availment only
- Kasangga Loan: Regular
- Covers Salary Loan, Emergency Loan, Universal Loan, Affordaloan, and other similar products
- Borrow up to 14x monthly salary plus deposits
- Terms: 3–60 months
- Kasangga Loan: Calamity
- For members affected by a State of Calamity as declared by the national or local government
- Maximum loan: ₱300,000
- Terms: 6–24 months
- Must be availed within 90 days of the calamity declaration
Requirements
Requirements vary depending on the agency where you belong:
For PNP
- PNP ID or any valid government-issued ID
For BFP
- BFP ID
- One (1) valid ID
- Recent Duty Status
- Certificate of Non-Pending Case
For NAPOLCOM
- NAPOLCOM or any government-issued valid ID
- Two (2) recent payslips
- Certificate of Employment and Compensation
- Certificate of Non-Pending Case
For PPSC
- PPSC or any government-issued valid ID
- Two (2) recent payslips
- Certificate of Employment and Compensation
- Certificate of Non-Pending Case
Tip: Always bring extra photocopies of your documents to avoid delays during processing.
Step-by-Step Guide
Applying for a PSSLAI Kasangga Loan is simple. Here’s how you can do it:
Step 1. Confirm Eligibility
Make sure you are an active member of the PNP, BFP, PPSC, or NAPOLCOM.
Step 2. Prepare Your Documents
Gather the required IDs, certificates, and payslips depending on your agency.
Step 3. Visit PSSLAI
Head to their office at 524 EDSA Cubao, Quezon City, 1109, Philippines.
Step 4. Submit Your Application
Fill out the loan form and hand over your requirements.
Step 5. Wait for Processing
Approval can be quick, with loan proceeds released in as fast as 1 hour.
Step 6. Receive Your Loan
Funds will be credited to your account after approval.
Step 7. Repay via Salary Deduction
No need to worry about payment deadlines, as deductions are automatic.
Loan Fees and Charges
Many borrowers are concerned about hidden fees. Here’s a list of fees that you need to be aware of:
For New Loans
- Insurance
- Documentary Stamp Tax (for principal loans ₱250,000 and above)
For Renewals
- Insurance
- Documentary Stamp Tax (for loans ₱250,000 and above)
- Outstanding balance of the previous loan
- Penalties or unpaid interest (if applicable)
Note: All these deductions are reflected transparently in your passbook.
Loan Renewal Guide
You can renew your Kasangga Loan depending on your loan term. Here’s how it works:
- Renewal is allowed after a certain portion of your loan has been repaid.
- Once renewed, the new loan’s first salary deduction will appear in your payslip after 1–2 months.
- Outstanding balances from the old loan are automatically deducted from your new loan proceeds
Tip: Before renewing, check your outstanding balance and weigh whether you really need additional funds.
Frequently Asked Questions (FAQs)
For your reference, we rounded up some of the most common questions and answers about these loan products:
1. Is there a loan product with a 5-year loan term?
Yes, Kasangga Loans and other PSSLAI products offer terms of up to 60 months (5 years).
2. Is there a promo with lower interest rates?
Yes. The Kasangga 5.5 Loan has a promo interest rate of 5.5% per annum, available until December 1, 2025.
3. Can I renew the loan anytime?
Not immediately. Renewal depends on the loan term you availed. The first deduction after renewal usually shows in your payslip after 1–2 months.
4. Are there any upfront charges?
Yes. Insurance, documentary stamp tax, penalties, and any outstanding balance from previous loans are generally deducted upfront from the loan proceeds
5. Can I apply for a calamity loan even if I am not from a calamity- affected area?
No. Only members residing or assigned in declared calamity areas can avail, and within 90 days from declaration.
Borrower Tips
To ensure a smooth and successful application, make sure to keep these things in mind:
- Borrow only what you need. Remember, loans are deducted from your salary. Keep your take-home pay manageable.
- Take advantage of the promo rates. The 5.5% per annum promo is a limited offer until December 2025.
- Renew wisely. Loan renewals may feel convenient, but they can stretch your repayment period. Plan ahead.
- Keep your documents ready. Missing requirements may delay approval.
- Stay updated. Visit PSSLAI News & Promotions for the latest offers.
Video: PSSLAI 5.5 Kasangga and Kalinga Loans
The PSSLAI Kasangga Loan is one of the most convenient and affordable loan products you can access today if you are a PSSLAI member. To learn more, you may check out this video:
Need More Information?
Ready to apply? Visit PSSLAI at 524 EDSA Cubao, Quezon City, or learn more at their Official Website.
For questions or assistance, you can reach PSSLAI through:
- Email: membercare@psslai.com
- Hotlines: 0998 962 2081 | 0925 545 7493 | 0917 856 7443