GSIS offers various loans to assist members with their financial needs: Consolidated Loan, Policy Loan and Emergency Loan. Members and pensioners may apply for these loans using their GSIS eCard through the GWAPS kiosks located in all GSIS branches, selected government agencies and Robinsons Malls.

Consolidated Loan
The Consolidated loan (Conso-loan) combines five different loan products into one—Salary Loan, Restructured Salary Loan, Enhanced Salary Loan, Emergency Loan Assistance, and Summer One-Month Salary Loan. Members availing of a conso-loan for the first time receive a one-time automatic condonation from the outstanding penalties or surcharges incurred from these loans.

Policy Loan
The Policy loan is a loan program which a member may avail from his/her GSIS life insurance policy. The loan, bearing an 8% interest rate, may be paid either through monthly amortization or deduction from a member’s existing life insurance policy contract.

Emergency Loan
The Emergency loan provides assistance to GSIS to members affected by natural calamities.