Employee Benefit Loans

If you need financial support but want to avoid risky lending apps or unmanageable payments, employee benefit loans give you a safer way to borrow. These loans are designed around your salary and benefits, with built-in limits and structured repayment—so you can address real needs without putting your finances or your job at risk.

Loan Options

Our employee benefit loan products are at significantly lower interest rates, while keeping repayment structured and manageable. Each option is tied to your salary or benefits, with clear limits and predictable terms—so you can borrow for real needs without falling into high-interest or uncontrolled debt.

PayrollPlus
13th Month Now

Loan Support

Employee benefit loans are built with safeguards in place. Loan use is purpose-based, repayments are handled automatically through payroll or benefits, and borrowing limits ensure you keep enough take-home pay. You can choose a quick, straightforward process or receive guidance along the way—while your employer remains protected, with no added cost or liability.

PayrollPlus

Salary loan for smarter companies
  • ₱15,000 to ₱300,000 Depends on the salary, company profile, and the employer’s preferred limits.
  • Benefit from a low 1.25% to 1.75% monthly interest rate
  • Flexible repayment terms from 6 to 36 months
  • A safer alternative to unverified lending apps
  • Purpose-based loan types for responsible borrowing
  • Fast and simple salary-deduction repayment
  • Zero cost and zero liability to the employer
  • A benefit your employees can rely on when it matters most
Requirements
  • Employer Accreditation
  • Completed Application Form
  • Certificate of Employment and Compensation
  • Authority To Deduct
  • Satisfactory credit evaluation

13th Month Now

Enjoy Your 13th Month Pay in Advance
Runs from July to December Only

All Companies

  • Up to ₱50,000 based on your certified prorated 13th month pay
  • 2% per month interest, deducted upfront
  • Full payment on or before December 31

Companies Accredited with CSFC

  • Up to 100% of your certified prorated 13th month pay
  • 1.25% per month interest, deducted upfront
  • Salary deduction upon release of 13th month pay
Requirements

All Companies

  • Completed Application Form
  • Valid Company ID
  • Valid Government-issued ID
  • Latest 3 Months' Payslip
  • Certificate of Employment and Compensation
  • HR/Accounting Certification of 13th Month Pay entitlement, amount and date of release
  • Authority to Deduct from Final Pay
  • Bank Certificate/Records
  • Satisfactory background and credit evaluation

Companies Accredited with CSFC

  • Completed Application Form
  • Valid Company ID
  • Valid Government-issued ID
  • Latest 3 Months' Payslip