ONP offers pension loan for affiliated workers in Peru who contributed less than 10, 15 or 20 years: how to request it?

The Pension Standardization Office (ONP) offers the pension loana mechanism destined to support affiliates who have failed to comply with the minimum years of contributions necessary to obtain a pension more favorable. This mechanism allows beneficiaries to complete the required time, which will be deducted monthly from the pension they will receive.

In this way, former worders can obtain a greater pension, which could provide greater economic stability in their retirement stage. Next, we tell you about the operation of this benefit, as well as the requirements and conditions necessary for your application.

How does the ONP pension loan work?

The pension loan granted by the ONP is presented as an option for affiliates to cover the years of contributions necessary to obtain a greater pension. This credit is automatically deduced from the future Monthly retirement of the beneficiary, which fits the years of contribution that they lack.

• The affiliates with nine years of contributions They will access a pension loan granted by ONP itself, in order to cover the year they lack and thus complete the 10 years to have their S/300 pension.
• The affiliates with thirteen years of contributions that aspire to S/400 soles for 15 years of contributions, can be hosted by a pension loan for the two years that are missing and obtaining said benefit.
• The affiliates with seventeen years of contributions They want to reach the maximum of 20 years to obtain a pension of S/600 can access the pension loan to cover the three years of contributions that are missing.

What are the requirements of ONP pension loans in 2025?

First, affiliates must meet a series of requirements and follow the procedure that has been established by the ONP.

1. Retirement application: It is mandatory to submit a pension request at any ONP OA office through the Virtual ONP platform.
2. Calculation of missing contributions: The ONP will evaluate the number of years of contributions necessary to complete the required time.
3. Loan acceptance: The affiliate must accept loan conditions within 10 business days after receiving information from the total amount.

What are the steps to access the pension loan?

1. Access to the platform: Enter the official ONP page of Virtual and complete the corresponding form with personal data.
2. Communicate with an advisor: An ONP representative will contact the applicant to guide him during the process.
3. Reception of debt calculation: The ONP will send an email with the total amount of the debt and the loan terms, which includes the monthly discount and the starting date of the payments.
4. Confirmation: The affiliate must accept the loan conditions so that the years of missing contributions are accredited and the pension is processed.

He pension loan It follows monthly from the pension that the retiree receives. For the pensions of the general regime, the monthly discount will not exceed 30% of the pension, while in the case of proportional pensions, the discount will not be greater than 20% of the pension.