A salary loan calculator is a powerful tool that helps you make informed borrowing decisions. Whether you’re facing urgent expenses or planning ahead, this tool lets you estimate your monthly repayments, total interest, and the full cost of your loan so you know exactly what to expect before applying.
What is a Salary Loan?
A salary loan is a type of personal loan designed specifically for employed individuals. It allows you to borrow money based on your monthly income, often with minimal paperwork and faster approval than traditional loans.
With SB Finance’s eSALAD (Salary Loan), eligible employees can borrow from PhP 10,000 up to PhP 2 million, with flexible payment terms and automatic deductions from salary.Â
How Much Can You Borrow with a Salary Loan?
Before you apply, it’s important to know your loan options. SB Finance’s eSALAD offers a flexible borrowing range to suit different income levels and financial needs.
- Loan Amount: PhP 10,000 up to PhP 2,000,000Â
- Payment Terms: Up to 36 months (3 years)Â
- Repayment Method: Auto-deducted from salaryÂ
Even employees with modest incomes can qualify. eSALAD’s low income requirement makes it one of the most accessible salary loans available, giving more Filipinos the financial support they need, when they need it.
Use the eSALAD Salary Loan Calculator for Smarter Borrowing
Planning your loan is easier with our salary advance calculator. It shows you everything upfront—monthly payments, total loan cost, and salary deductions—so you can borrow responsibly.
Key Benefits of the eSALAD Salary Loan Calculator
- Financial Clarity: Know how much you’ll receive and repayÂ
- Better Budgeting: Plan expenses with accurate figuresÂ
- Avoid Overborrowing: See if the loan fits your budgetÂ
- Transparency: Understand your salary deductions before you applyÂ
How to Use the eSALAD Salary Loan Calculator
Getting started is simple:
- Enter your preferred loan amountÂ
- Choose your desired repayment term (up to 36 months)Â
- View your estimated monthly payment and total loan costÂ
- Adjust the terms to find the option that best fits your budgetÂ
Whether it’s for emergencies or important expenses, eSALAD gives you access to up to PhP 2 million—with terms that fit your salary, timeline, and lifestyle. Combined with a low-income requirement and flexible repayment, it’s the salary loan that Filipino workers can truly rely on.
Ask your HR department if your company is enrolled in the eSALAD Program and start planning your loan with confidence.
You can request your company code here
Request to be an eSALAD accredited company here