PSSLAI Loan Table 2026 — Interest Rates & Monthly Amortization
The PSSLAI loan table 2026 shows the current interest rates, monthly amortization amounts, and loanable amounts for all PSSLAI loan products. Use this table to find your estimated monthly payment before applying — or use our PSSLAI Loan Calculator for a custom computation based on your exact loan amount and term.
⚠️ Disclaimer: This website is for informational purposes only and is not affiliated with or endorsed by PSSLAI or any Philippine government agency. Always verify current rates at psslai.com.
PSSLAI Interest Rates 2026
PSSLAI currently offers its lowest-ever interest rate of 5.5% per annum (0.46% per month) for 12-month Kasangga and Kalinga loans — a promo rate valid until July 3, 2026. Source: psslai.com
| Loan Product | Interest Rate | Term | Who Can Apply |
|---|---|---|---|
| Kasangga Loan (Promo) | 5.5% p.a. (0.46%/month) | 12 months | Active PNP, BFP, PPSC, NAPOLCOM members |
| Kalinga Loan (Promo) | 5.5% p.a. (0.46%/month) | 12 months | Associate members (spouse, children) |
| Kasangga Loan (Standard) | Check psslai.com | Up to 60 months | Active PNP, BFP, PPSC, NAPOLCOM members |
| Pension Loan | Check psslai.com | Up to 60 months | Retired PNP/BFP pension recipients |
| Calamity Loan | Check psslai.com | Up to 60 months | Members in declared calamity areas |
| Pre-Owned Vehicle Loan | Check psslai.com | Up to 60 months | Active members |
🎉 Current Promo: 5.5% Interest Rate Until July 3, 2026
PSSLAI is offering its lowest-ever interest rate of 5.5% per annum in celebration of PSSLAI’s 23rd anniversary. Avail any PSSLAI loan from March 16 to July 3, 2026 and also get a chance to win a brand new Vespa or Aprilia motorcycle. Source: psslai.com
PSSLAI Monthly Amortization Table 2026 — 5.5% Promo Rate (12 Months)
The table below shows estimated monthly amortization at the current 5.5% per annum promo rate for 12-month Kasangga and Kalinga loans. Use our PSSLAI Loan Calculator for any loan amount or term.
| Loan Amount | Term | Monthly Amortization | Total Interest | Total Payment |
|---|---|---|---|---|
| ₱10,000 | 12 months | ₱858 | ₱296 | ₱10,296 |
| ₱25,000 | 12 months | ₱2,146 | ₱750 | ₱25,750 |
| ₱50,000 | 12 months | ₱4,290 | ₱1,480 | ₱51,480 |
| ₱100,000 | 12 months | ₱8,580 | ₱2,960 | ₱102,960 |
| ₱150,000 | 12 months | ₱12,870 | ₱4,440 | ₱154,440 |
| ₱200,000 | 12 months | ₱17,160 | ₱5,920 | ₱205,920 |
| ₱300,000 | 12 months | ₱25,740 | ₱8,880 | ₱308,880 |
| ₱500,000 | 12 months | ₱42,900 | ₱14,800 | ₱514,800 |
Estimates based on 5.5% p.a. promo rate, 12 months, diminishing balance. For exact computation use our PSSLAI Loan Calculator. Always verify with PSSLAI directly at psslai.com.
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PSSLAI Loanable Amount Table 2026
Your maximum loanable amount under the Kasangga Loan is based on your monthly salary and Capital Contribution balance. The formula is:
Maximum Loan = (14 × Monthly Salary) + CapCon Balance + CASA Balance
| Monthly Salary | 14× Salary Base | Est. Max Loan (excl. CapCon) |
|---|---|---|
| ₱20,000 | ₱280,000 | ₱280,000+ |
| ₱30,000 | ₱420,000 | ₱420,000+ |
| ₱40,000 | ₱560,000 | ₱560,000+ |
| ₱50,000 | ₱700,000 | ₱700,000+ |
| ₱60,000 | ₱840,000 | ₱840,000+ |
Add your CapCon balance and CASA balance on top of the 14× salary figure for your true maximum. Check your CapCon balance using our PSSLAI balance checker guide or the PSSLAI Mobile App.
PSSLAI Loan Table — All Loan Products Summary
| Loan Type | Maximum Amount | Term | Key Feature |
|---|---|---|---|
| Kasangga Loan | 14× monthly salary + CapCon + CASA | Up to 60 months | 5.5% promo rate, auto salary deduction |
| Kalinga Loan | Based on CapCon + salary of sponsor | Up to 60 months | For associate members (family) |
| Pension Loan | Based on monthly pension | Up to 60 months | For retired members receiving pension |
| Calamity Loan | Based on salary + CapCon | Up to 60 months | 2-month payment moratorium |
| Pre-Owned Vehicle Loan | Up to 70% of vehicle value | Up to 60 months | For active members only |
Related PSSLAI and Finance Guides
- PSSLAI Loan 2026 — complete guide to requirements and how to apply
- PSSLAI Loan Application Form — download and fill out guide
- How to Check PSSLAI Balance Online — verify your CapCon before applying
- Best Online Loans Philippines 2026 — alternatives for non-PSSLAI members
- Net Salary Calculator Philippines — compute your take-home pay
Frequently Asked Questions
What is the PSSLAI interest rate in 2026?
PSSLAI is currently offering a promo rate of 5.5% per annum (0.46% per month) for 12-month Kasangga and Kalinga loans — valid until July 3, 2026. This is the lowest rate in PSSLAI history. Source: psslai.com
How much is the monthly amortization for a ₱100,000 PSSLAI loan?
At the 5.5% promo rate for 12 months, the estimated monthly amortization for a ₱100,000 loan is approximately ₱8,580. Use our PSSLAI Loan Calculator for any loan amount and term.
What is the maximum PSSLAI loan amount in 2026?
The maximum Kasangga Loan amount is 14 times your monthly salary plus your CapCon and CASA balances. There is no fixed maximum — it depends on your salary level and savings with PSSLAI.
Can I get a longer loan term than 12 months from PSSLAI?
Yes — PSSLAI offers loan terms of up to 60 months. The 5.5% promo rate applies to 12-month loans only. For longer terms, check the current rates directly at psslai.com or visit any PSSLAI branch.
Is the PSSLAI promo rate still available?
The 5.5% p.a. promo rate is valid for loans availed from March 16 to July 3, 2026. After that date, standard rates apply. Check psslai.com for the latest promos.
How is PSSLAI loan amortization computed?
PSSLAI uses a diminishing balance method — interest is computed on the remaining principal each month, not on the original loan amount. This means your interest decreases as you pay down the loan, making it more affordable than add-on interest loans.
Disclaimer: This page is for general informational purposes only. PSSLAI loan rates, terms, and amounts may change at any time. Always verify current rates directly at psslai.com or by visiting your nearest PSSLAI branch. This site is not affiliated with or endorsed by PSSLAI or any Philippine government agency. Amortization figures are estimates based on the 5.5% p.a. promo rate using diminishing balance method.
