eSALAD is a digital loan facility that allows borrowers to advance their next salary in the fastest and most convenient way possible. It comes in a digital and personalized customer journey – from enrollment, to availment, up to after-sales
eSALAD is only available to employees whose companies are eSALAD-Accredited.
You can avail an amount of P10,000 up to P2 million in eSALAD. Maximum loanable amount offer depends on your payroll salary credits.SBC Payroll Client: will be given an assigned credit limit based on computed net average salary credits for the past 6 months.Important Note: Loans availments of P500,000 and above should requested thru SBF Zuki App.
The assigned credit limit means the amount you can avail at any time in eSALAD
Yes. Your assigned credit limit varies depending on the average net salary credited to your payroll account for the last 6 months.
You may specify the number of instalments you want to repay the loan within a maximum of thirty-six (36) months (max loan term varies per accredited company). If you are a payroll account holder of SBC, your account will be debited for the amortization every payday, which would be twice (2x) in a month.
Loan amortization will be automatically deducted to your SBC payroll account every due date.
Your payment due date is based on your payroll cut-off dates, amortization will be automatically debited from your payroll account salary credits
Your first due date is the immediate payroll date after your availment. However, if you avail five (5) days before your payroll date, your first due date will be the succeeding payroll date.
|Processing Fee||Payroll Client: Deducted upfront upon availment. One time deduction depending on the agreed AOR on per individual level.|
|Late Payment Fee||Payroll Client: P125.00 for every missed payment. P250.00 per month for matured loan.|
|Processing Fee for Pre-Payment/Pre-Termination of Loan||5% of total outstanding balance. Waived for resigned employees.|
|Notarial Fee||P300 for loans more than P500K|
|Documentary Stamps||Php 1.50 for every Php 200.00, for loan exceeding Php 250,000.00|
|Other Incidental Fees||Case to case basis|
You must accurately indicate your personal “Active” mobile phone number during your application.Important Note: Sharing of mobile phone numbers is not allowed and any deviation/discrepancy on mobile number may cause delays in processing.
Please call the SBF Customer Service Hotline at (+632) 8887-9188
For SBC Payroll Client:You may avail by texting the following syntax:ESALAD [space] AMOUNT [space] No of Desired Deductions and send to 225657721Example:
eSALAD 60000 12 (availment of 60,000 payable in 6 months loan term)
For SBC Payroll Client:
Your loan proceeds will be credited automatically to your payroll account and an SMS confirmation will be sent to your registered number upon successful credit.
All SMS requests and confirmation with correct format are FREE for Globe and Smart.
*applicable to SBC payroll client only
After sending an SMS availment request, you will receive a reply from 225657721 indicating approval of your request.
*applicable to SBC payroll client only
Yes. SMS will be disapproved or rejected if:-Mobile number is not registered
-SMS format is incorrect
-Company agreement is terminated
-Requested amount exceeded limit to the customer
-Customer has an existing loan availment
-With gap in Salary Credits within 6 months
-Customer has resigned from the company
You may call SBF Customer Hotline at (+632) 8887-9188 for further assistance
Report the incident:-Keyword sent
-Date of SMS
-Time of SMS
-Or just simply provide the screenshot of the message
No. Our SALAD system will only link you to one (1) mobile number.
Yes. You can make an over the counter (OTC) payment in any Security Bank Branch near you.
No. Our late payment charges are fixed.
Our SBF Collections Team will coordinate with you via phone, SMS, Letter and E-mail or through your HR Representative.
Please allow three (3) banking days after your last payment due date before re-availing eSALAD.
Re-availment process is similar to the process of your first availment. You can simply text:ESALAD [space] AMOUNT [space] No of Desired Deductions and send to 225657721Example:ESALAD 60000 12 (availment of 60,000 payable in 6 months loan term)