Salary Loan: Your Guide to eSALAD(Employee Salary Advance)

A salary loan lets employees get their salary in advance before payday. This loan helps with unexpected expenses, urgent due dates, or financial challenges. A salary loan, like eSALAD, provides the money you need without the extensive paperwork of traditional loans.

What are the Benefits of a Salary Loan or eSALAD (Employee Salary Advance)?

  • Convenience: eSALAD makes the loan process easier with less paperwork. You can apply via SMS or online.
  • Flexible Terms (up to 36 months): You can choose a payment plan that fits your needs, whether for a short-term emergency or a longer-term goal.
  • Low Income Requirement: eSALAD’s salary loan is available to many employees, even those with lower incomes.
  • High Loan Amount: Depending on your net salary, you can borrow up to PhP 2 million.

How to Apply

Employees of eSALAD-affiliated companies can apply for a salary loan and get their paycheck in advance upon approval. Check with your HR department to see if eSALAD is available to you. There are two ways to apply, depending on your payroll account:

For Security Bank Payroll Account Holders:

  1. Get the company code from your HR or call SB Finance’s Hotline at (+632) 8887-9188.
  2. Visit the online form on Security Bank’s website.
  3. Enter the company code.
  4. Fill out the form, then read and accept the terms and conditions.
  5. Submit your application.

After you register, you’ll get an SMS confirming your loan application. This confirmation keeps you updated about the status of your application.

For Employees of eSALAD-Accredited Companies (Non-Security Bank Payroll Account Holders):

  1. Get the company code from your HR.
  2. Visit the online form shared by HR, and enter the company code.
  3. Fill out the form, then read and accept the terms and conditions.
  4. Submit your application.

Important Points:

  • Release via PesoNet: For employees not under Security Bank’s payroll system, PesoNet transfers the loan amount securely and quickly.
  • Credited to Preferred Savings Account: The funds go directly to your chosen savings account.
  • Payment via Salary Deduction: Repayments are conveniently deducted from your salary, making the loan repayment process seamless and hassle-free.


A salary loan offers a lifeline for employees facing unexpected expenses or tight financial situations. It provides quick access to funds with minimal paperwork, flexible terms, and high loan amounts, ensuring you get the financial support you need when you need it most.

If your company is eSALAD-accredited, consider this reliable solution for your financial needs. Visit our eSALAD page or contact your HR department for more information.If you need help to get your company accredited or with your eSALAD application,contact us via email at [email protected], our Customer Service hotline at (+632) 8887-9188, or our Facebook Page (@SBFinancePH).

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