How to File GSIS Loans Online

Filing for loans through the Government Service Insurance System (GSIS) has become more convenient with the adoption of online processes.

This guide provides a step-by-step approach to filing GSIS loans online, ensuring that members and pensioners can access services without exposing themselves to health risks.

file gsis loan online

Benefits of GSIS Loans

GSIS loans offer numerous benefits to its members and pensioners, providing financial assistance tailored to their specific needs. 

Here are some key benefits of availing GSIS loans:

Competitive Interest Rates

GSIS loans come with competitive interest rates, making them more affordable compared to other loan providers. This ensures that members can manage their repayments without undue financial stress.

Flexible Loan Terms

Members can choose from various loan terms that suit their financial situation. Whether you need a short-term loan to cover immediate expenses or a long-term loan for significant investments, GSIS offers flexibility in repayment schedules.

Easy Application Process

The online filing process for GSIS loans is designed to be user-friendly and efficient. With clear instructions and a straightforward application procedure, members can apply for loans from the comfort of their homes, avoiding the need for physical visits to GSIS offices.

Quick Disbursement

Once approved, GSIS loans are disbursed promptly, ensuring that members receive the financial support they need without long waiting periods. This quick turnaround is particularly beneficial during emergencies.

Access to Multiple Loan Types

GSIS offers a variety of loan types to cater to different financial needs, including:

  • Emergency Loans
  • Consolidated Loans
  • Policy Loans
  • Educational Loans

This range of options allows members to choose the loan that best fits their specific circumstances.

Exclusive for GSIS Members

GSIS loans are exclusive to its members and pensioners, ensuring that the benefits and competitive terms are reserved for those who have dedicated their service to the government. This exclusivity helps maintain favorable terms and conditions.

No Need for Collateral

Most GSIS loans do not require collateral, making it easier for members to access the funds they need without risking their personal assets. This feature is particularly helpful for those who may not have significant assets to pledge.

Online Account Management

With the eGSISMO platform, members can easily manage their loan accounts online, track their loan status, make payments, and access important information related to their loans anytime, anywhere.

Step-by-Step Guide to Online Filing

Prepare Your Documents

To start the process, you need to fill out the application form and prepare the following documents in JPEG or PDF format:

  • Duly accomplished application form you may retrieve here.
  • A clear picture of the borrower holding their GSIS UMID eCard (or temporary eCard).

If the GSIS UMID eCard or temporary eCard is unavailable, you must provide two valid IDs. Follow these steps:

  1. Take a clear photo of the two valid IDs (front and back).
  2. Take a clear photo of the borrower holding the two ID cards.

Email Your Application

Once you have your documents ready, email them with a specific subject line format:


For example:


Send the email to the member’s designated email address. Avoid using Yahoo Mail if possible due to technical issues. Ensure your email attachment does not exceed 5MB. You can reduce file size by lowering image resolution, compressing files, or sending two separate emails (e.g., 2MB and 3MB attachments).

After Sending the Email

Once you have sent your email, wait for the following responses from GSIS:

  1. Email Acknowledgement from GSIS.
  2. Tentative Loan Computation and Loan Conformity.
  3. Notification of incomplete and/or non-compliant documents (if applicable).

For active members, once you submit the Loan Conformity, GSIS will forward it to the respective Authorized Agency Officers (AAOs) for certification.

Alternative Methods for Filing Loans

Using the GWAPS Kiosk

If you prefer not to file online, you can use the GSIS Wireless Automated Processing System (GWAPS) kiosk. Follow these steps:

  1. Place your UMID card and thumb mark on the GWAPS kiosk.
  2. Select the loan application you want to apply for and follow the instructions to complete the transaction.


Another method is through the eGSISMO online platform. Here’s how:

  1. Log in to your account using your credentials.
  2. Select the loan application you want to apply for and follow the instructions to complete the transaction.

Over-the-Counter Application

If online and kiosk methods are not feasible for you, you can apply over the counter at any GSIS office. Simply fill out the application form and submit it at the office.

Important Reminders

Document Preparation

Ensure that all your documents are clear and legible. Blurry or incomplete documents can delay the processing of your loan application.

Email Specifications

Pay close attention to the email specifications, including the subject line format and file size limits. Adhering to these guidelines will help avoid technical issues and ensure smooth processing.


Keep an eye on your email for updates from GSIS. Respond promptly to any requests for additional information or corrections to your application.

Recent Updates

GSIS Emergency Loan Application Open

Great news! Qualified GSIS active members, old-age, and disability pensioners in specific areas can now apply for the Emergency loan.

GSIS Loan Buy-Out Program Update

The GSIS Management has stated that the proposed loan buy-out program is currently under consideration. This update aims to clarify the status of the program and manage the expectations of all parties involved. For the latest GSIS news updates, follow the official Government Service Insurance System page.

GSIS Allocates P4.3B for Emergency Loans in El Niño-Affected Areas

GSIS has earmarked over P4.3 billion for emergency loans to aid members and pensioners impacted by El Niño in 17 Philippine regions. Active members and pensioners can borrow up to P40,000 to settle previous emergency loan balances or apply for a P20,000 loan, featuring a 6% interest rate and a three-year repayment period. (GMA News Online)

GSIS Chief Wick Veloso’s Leadership

Jose Arnulfo “Wick” Veloso, GSIS President and General Manager, leverages his extensive banking experience to enhance retirement benefits management and member services. Veloso’s initiatives, including the GSIS Digital ID service and partnerships, aim to elevate investment efficiency and insurance offerings. (Manila Standard)

GSIS Allocates P1.7B in Emergency Loans for Rabies and El Niño Affected Areas

GSIS has set aside P1.7 billion for emergency loans to aid members and pensioners impacted by rabies outbreaks and El Niño in various regions. Affected individuals can apply for loans up to P40,000 to settle previous balances or opt for a P20,000 loan, benefiting over 77,000 eligible members and pensioners. (Philstar Global)


The new GSIS mobile app, GSIS Touch, allows users to access GSIS services 24/7, including service and claims records, loan applications, procedures, transactions, and requirements. With GSIS Touch, applying for loans is made easy with features like viewing active loans, checking loan details, and exploring available loan products for quick and convenient access to financial assistance.



Filing for GSIS loans online is a straightforward process if you follow the steps outlined above.

By preparing your documents carefully and adhering to the email specifications, you can ensure a smooth and efficient application process.

If you encounter any issues, alternative methods such as the GWAPS kiosk and eGSISMO are available to provide additional support.

Stay informed and proactive in managing your loan applications to benefit fully from GSIS services without unnecessary delays.

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