PSSLAI Loan Calculator

A Comprehensive Guide PSSLAI Loan Calculator


In a world that is continually evolving, financial stability and security play a crucial role in achieving our life goals and dreams.

 For the brave men and women serving in the Philippine National Police (PNP) and the Bureau of Fire Protection (BFP), their unwavering dedication to public safety deserves recognition and support.

 The Public Safety Savings and Loan Association, Inc. psslai loan calculator steps in as a financial ally, providing exclusive financial solutions tailored to the unique needs of PNP and BFP officers and their families.

The Birth of PSSLAI

Established on July 1, 2003, PSSLAI emerged into existence in accordance with Republic Act 8367. This legislation governs the activities of savings and loan associations that cater exclusively to specific groups and do not engage in public transactions. 

PSSLAI is proudly affiliated with the Philippine National Police (PNP) branch of the Armed Forces of the Philippines (AFP).

Membership Eligibility

PSSLAI’s services are exclusively available to PNP officers and Bureau of Fire Protection (BFP) officers, along with their immediate family members. 

To become a member of this esteemed association, interested individuals must complete the membership application process. This process includes submitting the following documents:

  1. ID Image/Photo
  2. Valid ID
  3. Certificate of relationship issued by PSSLAI
  4. Birth certificate issued by the Philippine Statistics Authority (PSA)

PSSLAI prioritizes convenience and accessibility, offering an e-service platform that allows members to manage their accounts seamlessly.

 With the mobile app, members can perform various transactions, including balance inquiries, viewing loan details, and applying for a prepaid card.

PSSLAI ITrack: A Modern Financial Companion


Keeping up with the digital age, PSSLAI has introduced the innovative iTrack service, an online registration system and app that enhances the member experience.

 With iTrack, users can perform essential operations such as balance inquiries, PSSLAI loan applications, and fund transfers. 

The Association has partnered with trusted institutions like the Philippine National Bank (PNB) and MLhuillier for disbursement services.

Savings Accounts: Building a Financial Foundation

PSSLAI offers its members three attractive savings programs: Capital Contribution (CAPCON), Premium Savings Account (PSA), and Cash Advance Storage Account (CASA).

The Premium Savings Account stands out by allowing members to earn interest while enjoying the flexibility to withdraw funds when needed. 

With a balance exceeding P1,000, members can withdraw cash and earn a generous 2% per annum on the average monthly balance. 

For deposits exceeding P100,000, two one-time withdrawals per month come with a 3% annual interest on the average monthly balance.

Members can also make withdrawals using credited cash advances from their CASA accounts. The mandatory minimum maintaining balance for CASA has been lifted, providing even greater flexibility.

Cash Advance Storage combines the advantages of a savings and checking account, with no compulsory minimum maintaining balance and unrestricted withdrawal access. To benefit from this feature, membership in the Association is a prerequisite.

Capital Contribution is a high-yield savings account with impressive dividend rates of up to 18% per annum. Opening a CAPCON Account requires only P1,000, with the same minimum maintaining balance. 

A unique aspect of CAPCON is that 10% of the account balance remains non-refundable, while dividends continue to accrue. This non-refundable amount is only returned upon termination of membership and closure of the CAPCON account.

Membership in PSSLAI is a prerequisite for opening a CAPCON account. Interested parties should review additional requirements on the Association’s official website.

Applying for a PSSLAI Loan

PSSLAI distinguishes itself by not offering its services to the general public. Instead, it utilizes the funds of its members to provide affordable loan products to fellow Association members. These loan packages feature competitive interest rates and fees, ensuring that members receive financial support without undue burden.

For inquiries regarding car loan requirements, members can contact their nearest branch, with branch information available on the official PSSLAI website.

Borrowing Responsibly

PSSLAI encourages its members to make informed decisions when applying for loans. A prudent guideline is that monthly loan payments should not exceed 30% of one’s monthly income.

 This approach ensures that members maintain a healthy financial balance, meet essential needs, and avoid late payments and unnecessary penalties.

To assist members in making well-informed decisions, psslai loan calculator provides a user-friendly loan calculator on its website.

 By entering the loan amount, interest rate, and desired loan term, members can calculate their monthly payments, overpayment, and the total amount paid over the loan’s duration. Overpayment, the sum of all interest paid, is displayed at the bottom of the calculator.


 PSSLAI stands as a beacon of financial support and security for PNP and BFP officers and their families. With a commitment to offering exclusive savings and loan solutions. PSSLAI empowers its members to achieve their financial goals while upholding their dedication to public safety.

 Whether it’s building savings, accessing affordable loans, or utilizing innovative digital services like iTrack. PSSLAI is a trusted partner on the journey to financial prosperity.

Author Maria Torres from Upfinance.

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