Emergency Loan

Home Active Members Loans Emergency Loan

Areas eligible for emergency loan (current)

The Emergency Loan is 0ffered to members who are adversely affected by calamities.  The loan is  payable in three years or 36 equal monthly installments at an interest rate of six percent per annum. If  renewed, the balance of the outstanding loan will be deducted from the proceeds of the new loan.


To qualify for the emergency loan, the member-applicant must be:

  • a bona fide resident or employee of the government office within the declared calamity area;
  • be in active service and not on leave of absence without pay;
  • has no arrearages in the payment of mandatory social insurance contributions; and
  • has no loan that has been declared in default.

A  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.


Members with a GSIS eCard / UMID card may apply for an Emergency Loan through the GSIS Wireless Automated Processing System  (GWAPS) kiosk.

Application form for Emergency Loan may be downloaded here.

Areas eligible for emergency loan (current)