Active uniformed personnel from the Philippine Army (PA), Philippine Navy (PN), Philippine
Air Force (PAF), Philippine National Police (PNP), Bureau of Fire Protection (BFP) and Bureau
of Jail Management and Penology (BJMP)
Retirees/Pensioners from AFP, PNP and BFP
Permanent Civilian Employees/Non-Uniformed Personnel from AFP, PNP, BFP, BJMP, DND,
OCD, PPSC,PVAO and NAPOLCOM
Permanent Employees of AFPSLAI and AFPMBAI
FEATURES:
Maximum loanable amount of ₱1,500,000
Loan term: 1 to 5 years
Computed based on the Net-Take-Home Pay (NTHP) requirement set by each Branch of Service
Subject to Single Borrower’s Limit (SBL)
Requirements (click to view the documentary requirements) Note: All borrowers must accomplish the Loan Application Form (including the Promissory Note and Authorization to Deduct)
BRANCH OF SERVICE
REQUIREMENTS
Philippine Army (PA) - in active service
Latest ID Picture
Two (2) latest original payslips
AFP Military ID – affix 3 signatures on photocopy
Enlistment Order or Re-enlistment Order / CAD Order (for newlygraduated officer); attach willing to re-enlist when necessary
DLO / Provost / JAGO Clearance
Spouse’s Consent Form for Married Personnel, with photocopy of
Dependent’s ID and affixed three (3) signatures / Spouse’s
Consent Certification Form in cases where the married personnel
is deployed or
assigned away from their spouse
CDMS Certification
Affidavit of Undertaking (c/o AFPSLAI)
Philippine Air Force (PAF) - in active service
Latest ID Picture
Two (2) latest original payslips
PAF Military ID
Enlistment Order or Re-enlistment Order / CAD Order (for newlygraduated officer); attach willing to re-enlist when necessary
Discipline, Law & Order Clearance (Unified Clearance) / Provost / JAGO Clearance
Spouse’s Consent Form for Married Personnel, with photocopy of
Dependent’s ID and affixed three (3) signatures / Spouse’s
Consent Certification Form in cases where the married personnel
is deployed or
assigned away from their spouse
Assessment Form (c/o AFPSLAI)
Affidavit of Undertaking (c/o AFPSLAI)
Philippine Navy (PN) - in active service
Latest ID Picture
Two (2) latest original payslips
PN ID
Enlistment Order or Re-enlistment Order / CAD Order (for newlygraduated officer); attach willing to re-enlist when necessary
JAGO or Provost Clearance / Statement of Records from
Philippine Navy Centralized Clearance System (PNCCS) - strictly
for PN(M)
Web-LES Application Form and SBL Form to be signed by the
Disbursing Officer (DO) - c/o AFPSLAI
Spouse’s Consent Form for Married Personnel, with photocopy of
Dependent’s ID and affixed three (3) signatures / Spouse’s
Consent Certification Form in cases where the married personnel
is deployed or assigned away from their spouse
Affidavit of Undertaking (c/o AFPSLAI)
Philippine National Police (PNP) - in active service
Latest ID picture
Latest payslip
PNP ID
PNP Clearance / Non-Pending Case / IAS if from region
Certificate of Duty Status
Authority to Deduct (for potential retirees)
Affidavit of Undertaking (c/o AFPSLAI)
Bureau of Jail Management and Penology (BJMP) - in active service
Latest ID picture
Latest payslip
Photocopy of BJMP ID with affixed three (3) signatures on photocopy
Legal Service Certification (Non-Pending Case)
Service Record or Duty Status
Affidavit of Undertaking (c/o AFPSLAI)
Bureau of Fire and Protection (BFP) - in active service
Two (2) valid IDs with affixed three (3) signatures on photocopy
IAS Clearance (BFP NHQ) or Unit Non-Pending Case
Statement of Service / Appointment Order for 1st Loan (at least 1 year permanent appointment)
Authority to Deduct - notarized (c/o AFPSLAI)
Affidavit of Undertaking (c/o AFPSLAI)
GHQ (in active service) & Civilian Employees (CE); TAS-Military & CE
Latest ID picture
Two (2) latest original payslips
AFP Military ID with affixed three (3) signatures on photocopy
DLO or JAGO / Provo equivalent
Enlistment or Re-enlistment Order / CAD Order (for newlygraduated officer); attach willingness to re-enlist when necessary
/ permanent appointment for CE with at least one (1) year in
service
Single Borrower’s Limit (SBL) Form (c/o AFPSLAI)
Spouse’s Consent Form for Married Personnel, with photocopy of
Dependent’s ID and affixed three (3) signatures / Spouse’s
Consent Certification Form in cases where the married personnel
is deployed or assigned away from their spouse
ALVAMS Locking (c/o AFPSLAI)
Affidavit of Undertaking (c/o AFPSLAI)
AFP Pensioner
Latest ID picture
Authorization for Pension Deduction (APD) - notarized (c/o AFPSLAI)
Pensioner’s Updating Slip from PGMC
Verification Slip from Finance - for new loan only
PNP Pensioner
Latest ID picture
PNP Pensioner’s ID and photocopy of valid PNP Pensioner’s ID
(front and back) with affixed three (3) signatures
Authorization for Pension Deduction (APD) - notarized (c/o AFPSLAI)
PNP - Survivors / Transferee - Service Record / Retirement Order
BFP Pensioner
Latest ID picture
Two (2) valid IDs with affixed three (3) signatures on photocopy
Authorization for Pension Deduction (APD) - notarized (c/o AFPSLAI)
PNPR NAPOLCOM
Latest ID picture
Pensioner’s ID or any two (2) valid IDs in case of loss of Pensioner’s ID
Certificate of Pension (facilitated by BOSSG)
Special Power of Attorney - notarized (c/o AFPSLAI)
AFPSLAI ID & photocopy of Employee’s ID (front and back), with affixed three (3) signatures on photocopy
Latest 2x2 ID picture
Two (2) latest original payslips
Certification of Non-Pending Case
Permanent Appointment Order
Signature of CO and DO (except PNP-NUP)
AFPMBAI Employee
AFPSLAI ID and photocopy of employee’s ID (front and back)
Latest 2x2 ID Picture
Two (2) latest original payslips
Certification of Non-Pending Case
Permanent Appointment Order
Signature of CO and DO (Head, HRMD)
Two (2) co-makers and their latest payslip and photocopy of company ID
INSTRUCTIONS:
To know your monthly amortization:
Enter your desired loan amount.
Select the number of years you want to amortize your loan.
Click “COMPUTE” to know your monthly amortization or “RESET” to clear entries.
To know how much loan you can avail:
Enter your preferred amount of monthly amortization.
Select the number of years you want to amortize your loan.
Click “COMPUTE” to know your loan amount or “RESET” to clear entries.
Please note that the computation above is only indicative. You may call us or visit any AFPSLAI Branch nearest you for the actual details.
Procedures
Application at the Branch Office
Borrower submits LAF and requirements.
If submitted documents comply with all the requirements, Loan Specialist proceeds with the
processing of loan (new/renewal).
Upon approval of the loan, borrower proceeds to the Releasing Section/Tellering Section for the
release of his/her loan proceeds through cash, his/her Savings Deposit Account (SD-02) or
through Remittance Facility.
Borrower receives his/her loan proceeds.
Borrower signs the Loan Release.
Online Application
Borrower visit the AFPSLAI Website, click the e-Application Tab then click the e-Loan
Application.
Borrower fills out the online application form and gets the reference number.
Borrower prints and saves the generated form.
Borrower visits the selected branch office to submit the signed loan application form together
with the requirements.
Loan Specialist processes the loan.
Upon approval of the loan, borrower proceeds to the Releasing Section/Tellering Section for the
release of his/her loan proceeds through cash, his/her Savings Deposit Account (SD-02) or
through Remittance Facility.
Borrower receives his/her loan proceeds.
Borrower signs the Loan Release.
FAQs
Q: How long will it take for a loan to be released?
A: If all requirements are complete, the loan is released within the day.
Q: What is the Single Borrower’s Limit (SBL)?
A: It is the maximum loan amount that is allowed for a borrower. It is computed by multiplying the
regular monthly salary and allowances by 12, plus annual regular bonuses/incentives and existing
deposits with AFPSLAI.
Q: What is the Credit Redemption Insurance (CRI)?
A: CRI is the insurance that will cover the payment of the outstanding loan of a qualified borrower in
case of his/her death.
Q: What is the clearance needed in applying for a loan?
A: It depends on the branch of service requirement.
Q: Can I avail of another loan even if I still have an outstanding Salary Loan?
A: Yes. You can avail of the Emergency Loan, Multi-Purpose Loan, and other collateralized loan products,
depending on your paying capacity.
Q: When can I renew my Salary Loan?
A: You can renew your Salary Loan once your loan payment has reached at least 20% of the
amount borrowed.
Q: When I apply for loan renewal, do I get an overpayment for the continuous deduction of
my monthly amortization?
A: No, the amount deducted from your salary will be considered as first payment to your
renewed loan. This lowers your new loan balance from the programmed loan amount.
Q: Can I apply for a Salary/Pension Loan even when I am not yet receiving my pension?
A: A loan can only be granted once you are receiving your monthly pension.
Q: If a member dies and his loan is not fully paid yet, what will happen to his loan balance?
A: Effective January 17, 2011, all loans granted by AFPSLAI are covered by credit redemption insurance
(except for Back-to-Back Loan and for those denied coverage by the insurance provider & whose age is
over 80 years old). If the member/borrower dies during the term of the loan, all programmed balance
will be paid by the insurance provider for as long as the loan is not past due. On the other hand, all
current loans granted before the aforementioned date will be covered based on applicable policies.
