Can I Download the SSS Salary Loan Disclosure Statement from the SSS Mobile App?

If your SSS Salary Loan has just been approved, congratulations! 🎉
But you might now be wondering — “Can I download my SSS Salary Loan Disclosure Statement directly from the SSS Mobile App?”

The short answer: Not yet — but you can view your loan details and repayment schedule through the app.

In this guide, we’ll explain what the disclosure statement is, how to check it via the SSS Mobile App, and how to download the full version from your My.SSS web account.

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💡 What Is the SSS Salary Loan Disclosure Statement?

The SSS Salary Loan Disclosure Statement is an official document that explains every detail of your approved loan.

It includes:

• The approved loan amount
• Interest rate and service charge
• Loan term (12 or 24 months)
• Monthly amortization schedule
• Net proceeds credited to your account
• And other important loan terms and conditions

In other words, it’s your loan breakdown sheet — the full picture of how your SSS Salary Loan was computed.

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📲 Can You Download It from the SSS Mobile App?

Currently, the SSS Mobile App does not allow direct download of the Disclosure Statement as a PDF file.

However, you can view your Salary Loan details in the app by following these steps:

✅ Step-by-Step: How to View Loan Details in the SSS Mobile App

1. Open the SSS Mobile App on your phone.
2. Log in using your My.SSS credentials (the same username and password).
3. Tap on “Loans” from the main dashboard.
4. Select “Salary Loan” from the list.
5. You’ll now see:
   • Loan Type and Amount
   • Date Approved
   • Outstanding Balance
   • Amortization Amount
   • Next Due Date

⚠️ Note: While you can view your loan status and balance, the Disclosure Statement PDF is only available in the My.SSS web portal.

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💻 How to Download Your Disclosure Statement from My.SSS Website

If you need a copy for printing or reference (for example, for HR or accounting purposes), here’s how to get it:

🧭 Step-by-Step Guide

1. Go to www.sss.gov.ph
2. Log in to your My.SSS Member Account
3. Click “E-Services” → “Inquiry”
4. Choose “Loans” on the left menu
5. Click “Salary Loan”
6. Find your approved loan, then click “View Disclosure Statement”

A PDF file will open — you can download, print, or save it on your device.

💡 Tip: Check your registered email. Sometimes, SSS sends a copy or link to your Disclosure Statement after loan release.

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🧮 How Your SSS Salary Loan Is Computed

Before checking your statement, it helps to understand how your loan is calculated.

The SSS Salary Loan is based on your Average Monthly Salary Credit (AMSC) and number of contributions.

Loan Type	Required Contributions	Loanable Amount
1-Year Loan	At least 36 posted, 6 within the last 12 months	1 month AMSC (up to ₱25,000)
2-Year Loan	At least 72 posted, 6 within the last 12 months	2 months AMSC (up to ₱50,000)

Loan Deductions:

• Service Charge: 1% of approved loan
• Interest Rate: 8% per annum (on diminishing balance)
• Pro-rated Interest: Deducted upfront, covering approval date to next amortization month

📘 Example:

Let’s say your ₱20,000 loan is approved on March 12, 2025:

• Annual interest = ₱1,600
• Days covered = 50 days (March 12–April 30)
• Daily rate = ₱1,600 ÷ 365 = ₱4.38/day
• Interest charged = ₱4.38 × 50 = ₱219

Your total deductions: ₱219 (interest) + ₱200 (1% fee) = ₱419
➡️ Net proceeds credited: ₱19,581

You can check your own estimate using the
👉 SSS Salary Loan Calculator.

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🧾 Why the Disclosure Statement Is Important

Even if it’s not downloadable from the app, your Disclosure Statement is crucial because it tells you:

1. Exact Deductions – Know where each peso goes.
2. Interest Transparency – Understand how much you’ll pay over time.
3. Repayment Schedule – Track when to pay and how much.
4. Proof of Agreement – Serves as a legal summary of your loan terms.

Always save a copy from the My.SSS portal for your personal records.

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⚙️ Loan Repayment and Penalties

• Monthly Amortization: Automatically deducted from salary (for employed members)
• Late Payment Penalty: 1% per month of unpaid amortization
• Early Payment: Allowed anytime without penalty
• Default Policy: Future SSS benefits (like maternity or retirement) may be deducted to cover unpaid loans

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🧠 TL;DR (Quick Summary)

Topic	Key Details
Can you download the Disclosure Statement from the SSS Mobile App?	❌ Not yet. Only viewable loan info is available.
Where to download?	✅ Log in to your My.SSS account via web and click “View Disclosure Statement”.
Interest rate	8% per annum (diminishing balance)
Loan term	12–24 months
Calculator	SSS Salary Loan Calculator

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🗨️ FAQs About SSS Salary Loan Disclosure Statement

1. Can I view my SSS Salary Loan details using the mobile app?

Yes. You can see your loan amount, approval date, and amortization schedule — but not the full disclosure PDF.

2. Can I download the Disclosure Statement from the app?

No, the download feature is not yet available on the mobile app. You need to access the My.SSS website.

3. When will the Disclosure Statement appear after approval?

Usually within 1–3 working days after the loan is credited to your bank account.

4. Is the Disclosure Statement the same as the SSS Loan Voucher?

No. The Loan Voucher shows the amount released, while the Disclosure Statement shows the detailed breakdown and deductions.

5. Can I still get a copy if I deleted the email from SSS?

Yes. Just log in to your My.SSS account → Loans → View Disclosure Statement and re-download it.

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🏁 Final Thoughts

While the SSS Mobile App is convenient for checking your loan status and remaining balance, it currently doesn’t allow downloading the Disclosure Statement.

To get your full loan breakdown, simply log in to your My.SSS web account — it only takes a few clicks!

Keep this document safe, especially if you plan to apply for another loan or track your amortization history.

And before applying for your next salary loan, try the
👉 SSS Salary Loan Calculator
to see how much you’re eligible for and estimate your monthly payment.