How to Apply for GSIS Emergency Loan

The GSIS Emergency Loan is a financial support program aimed at helping members who are residents or employees in government offices within declared calamity zones.

This is payable over three years with an interest rate of six percent per annum, and can be renewed with the outstanding balance deducted from the new loan proceeds.

Eligible beneficiaries include active members and old-age or disability pensioners residing in the affected areas, provided they meet specific criteria such as being in active service and having no arrearages or defaulted amounts.

The application process is straightforward, allowing members to apply through the GSIS Wireless Automated Processing System kiosks or download forms online.

With financial support of up to P20,000 for first-time borrowers and up to P40,000 for those with existing balances, the program aims to provide substantial relief and aid in recovery efforts post-calamity.

gsis emergency loan
Credits: GSIS / Facebook

What is the GSIS Emergency Loan?

The Emergency Loan is offered to members who are residents or employees of government offices within areas declared as calamity zones.

This is payable over three years, or 36 equal monthly installments, with an interest rate of six percent per annum.

If a member decides to renew their loan, their outstanding balance will be deducted from the new credit proceeds.

Eligibility Criteria

To qualify for the emergency loan, the member-applicant must meet the following criteria:

  1. Residency or Employment: The applicant must be a bona fide resident or an employee of a government office within the declared calamity area.
  2. Active Service: The applicant must be in active service and not on leave of absence without pay.
  3. No Arrearages: The applicant must have no arrearages in the payment of mandatory social insurance contributions.
  4. No Default Loans: The applicant must have not defaulted in the program.

Additionally, the calamity-hit area must be declared under a state of calamity by the Sangguniang Panlalawigan/Panglungsod and/or the National Disaster Reduction Risk Management Council.

emergency loan infographics p1
Credits: GSIS / Facebook

Step-by-Step Guide for GSIS Emergency Loan Application

Applying for the emergency loan is a straightforward process, especially for members with a GSIS eCard or UMID card.

Here’s how you can apply:

1. GSIS Wireless Automated Processing System (GWAPS) Kiosk: Members can apply for an Emergency Loan through the GWAPS kiosk.

This system is designed to make the application process quick and hassle-free.

2. Download the Application Form: The application form for the Emergency Loan can be downloaded from the official website.

This allows members to fill out the form at their convenience before submitting it at the nearest GWAPS kiosk.

emergency loan infographics p2
Credits: GSIS / Facebook

Areas Eligible for Emergency Loan

The areas eligible for the emergency loan are those currently declared as calamity zones.

This list is updated regularly to include new areas affected by natural disasters or other significant events that warrant a state of calamity. Make sure to follow GSIS through their official social media pages and stay updated with the news as to when and where calamities are reported. 

advisory p1
Credits: GSIS / Facebook
Credits: GSIS / Facebook

Benefits of the Emergency Loan

The emergency loan offers several benefits to eligible members:

  1. Financial Support: Provides immediate financial relief to help members cope with the aftermath of a calamity.
  2. Low Interest Rate: This has a low interest rate of six percent per annum, making it affordable for members to repay.
  3. Flexible Repayment Terms: This can be repaid over 36 months, allowing members to manage their finances better during the recovery period.

Loan Amounts and Qualified Availers


  • Qualified Availers:
    • Active members working or residing in the declared calamity areas.
    • Old-age and disability pensioners residing in the affected areas.
    • Must NOT have an existing Emergency Loan.
  • Benefit: This amount provides a substantial immediate financial relief to members who have not previously taken an emergency loan. It helps in addressing urgent needs arising from the calamity.

P40,000 (with conditions)

  • Qualified Availers:
    • Active members working or residing in the declared calamity areas.
    • Old-age and disability pensioners residing in the affected areas.
    • Must have an existing Emergency Loan.
  • Net Proceeds: The net proceeds will not exceed P20,000.
  • Benefit: This higher amount is available for members who already have an existing emergency loan. The net proceeds are adjusted to ensure that the outstanding balance from the previous borrowed amount is accounted for. This provides additional financial assistance while managing existing loan obligations.
emergency loan infographics p3
Credits: GSIS / Facebook

Responsibilities of Borrowers

While the emergency loan offers substantial support, it also comes with responsibilities:

  1. Timely Repayment: Borrowers must ensure timely repayment to avoid any penalties or additional interest.
  2. Accurate Information: Applicants must provide accurate and truthful information during the application process to avoid complications.
  3. Loan Renewal: If opting for renewal, borrowers should be aware that the outstanding balance will be deducted from the new amount.

Tips for Successful Loan Management

To make the most out of the emergency loan, consider the following tips:

  1. Budget Wisely: Create a budget to manage your credit effectively. Allocate funds for essential expenses and ensure you have a plan for repayment.
  2. Keep Track of Payments: Monitor your monthly payments and keep track of your balance to avoid falling behind on repayments.
  3. Seek Financial Advice: If you’re unsure about managing your credit, seek advice from financial advisors who can help you create a sustainable financial plan.

Frequently Asked Questions (FAQs)

Q1: How do I know if my area is eligible for the emergency loan?

A: You can check the list of eligible areas on the official website or through announcements from the Sangguniang Panlalawigan/Panglungsod and the National Disaster Reduction Risk Management Council.

Q2: What happens if I default on my loan?

A: Defaulting on your loan can lead to penalties and additional interest. It’s crucial to make timely repayments to avoid these consequences.

Q3: Can I renew my emergency loan before the current one is fully paid off?

A: Yes, but the balance of your outstanding loan will be deducted from the proceeds of the new loan.

Recent Updates

GSIS Emergency Loan Application Open

Qualified active members, old-age, and disability pensioners in specific areas can now apply for the Emergency loan. For application details, click this link.

Find Relief with GSIS Emergency Loan

During times of disaster, find solace in the relief provided by the GSIS Emergency Loan. Access financial assistance when you need it the most.


Video: GSIS, inihanda na ang pondo para sa emergency loan ng typhoon-hit members

The Government Service Insurance System has allocated funds in anticipation of a surge in emergency loan applications from members and pensioners affected by Typhoon Egay in the country. Assistance is readily available for those impacted by the typhoon.



The Emergency Loan program is an essential support system for members affected by calamities.

By understanding the eligibility criteria, application process, and responsibilities, members can effectively utilize this loan to recover and rebuild their lives.

If you find yourself in a calamity-affected area, don’t hesitate to explore this opportunity and secure the financial support you need.

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