AUB Salary Loan – loan
AUB salary loans up to ₱250,000 for employed individuals
Applying does not commit you to any contract.
AUB Salary Loan offers competitive personal loan products backed by decades of banking experience in the Philippines. With loan amounts ranging from ₱5,000 to ₱250,000 and repayment terms of 1 to 36 months, AUB Salary Loan caters to a wide range of financial needs — from everyday expenses to major life investments.
As a BSP-regulated bank, AUB Salary Loan adheres to the highest standards of consumer protection and transparent lending. The interest rate starts at 4.00% per month, and the loan can be used for any legitimate purpose including debt consolidation, home renovation, medical expenses, education, or travel.
Approval for AUB Salary Loan personal loans typically takes 3-5 banking days. Existing account holders and payroll account clients may enjoy faster processing and preferential rates. A good credit history with the bank significantly improves your chances of approval and may qualify you for higher loan amounts.
Is AUB Salary Loan the Same as an SSS Salary Loan?
Borrowers searching for an SSS salary loan are often looking for a loan processed through the Social Security System using their SSS membership and contributions. AUB Salary Loan is a separate product — a bank personal loan offered by Asia United Bank — but it accepts your SSS ID as one of the valid government IDs for application, and repayment can be arranged through salary deduction for payroll clients, similar to the SSS program. If you specifically need the government SSS loan rather than a bank loan, compare it on our Social Security System Loans page, which offers amounts from ₱1,000 to ₱500,000 at 10.00% per month. AUB Salary Loan, by contrast, offers ₱5,000 to ₱250,000 at a lower 4.00% per month rate and approves within 3-5 banking days.
How a Salary Loan Interacts with Your SSS Deductions
Members researching a loan salary sss arrangement are usually asking how a bank salary loan payment interacts with their mandatory SSS payroll deductions — the two are independent. Your employer will keep deducting your monthly SSS contribution from payroll regardless of any personal loan you take out, and an AUB Salary Loan repayment arranged via payroll is deducted separately from your SSS premium. Employed applicants should budget for both deductions when calculating take-home pay: for example, borrowing ₱27,500 over 12 months at 4.00% per month works out to roughly ₱2,930.18 a month, on top of your regular SSS contribution. Keeping both payments current protects your standing with the bank and your SSS membership benefits.
✓ Pros
- Decent loan amounts up to ₱250,000
- Transparent processing with a clear approval timeline
- Fixed interest rate makes repayment planning straightforward
- BSP-regulated bank with strong consumer protection
✗ Cons
- Approval takes several banking days – not suitable for urgent same-day needs
- Extensive documentation required compared to online lenders
- Late payment fees and penalties may apply if payment is missed
Loan example
Example: Borrow ₱27,500 for 12 months at 4.00% per month = approx. ₱2,930.18 monthly payment. Total repayable: ₱35,162.22.
Loan requirements
- ✓ Valid government-issued ID (SSS, GSIS, PhilHealth, driver's license, or passport)
- ✓ Proof of income: payslips for the last 3 months or Certificate of Employment
- ✓ ITR (Income Tax Return) for the past 1-2 years
- ✓ Proof of billing address (utility bill or bank statement)
Loan features
- Loan amounts: ₱5,000 to ₱250,000
- Repayment term: 1 to 36 months
- Approval time: 3-5 banking days
- Available at branches nationwide and through online banking
- Optional loan insurance for added protection
Frequently asked questions
3-5 banking days after submitting the application.
The minimum amount at AUB Salary Loan is ₱5K.