How Can I View My SSS Loan Statement Online?

Have you ever wondered if your SSS Salary Loan payments are already posted?
Marami sa atin ang nagbabayad buwan-buwan—through payroll or voluntary remittance—pero minsan, hindi agad lumalabas sa online record. If that sounds familiar, this guide is for you.

In this post, we’ll walk through how to check your SSS Salary Loan statement online, what each section means, why posting delays happen, and how to use the official SSS Salary Loan Calculator to estimate your monthly amortization.

🧾 What Is an SSS Loan Statement?

Your SSS Loan Statement (also called Statement of Account) is your personal record of all salary loan transactions—loan release, monthly amortizations, interest, penalties, and balance updates.

Think of it as your official proof of how much you’ve borrowed and paid. Every payment you or your employer makes is reflected here once posted by SSS.

You can view it anytime through your My.SSS online account—no need to visit the branch or call the hotline.

💡 Why It Matters To Check Your Loan Statement Regularly

Here’s why it’s important:

To verify if your employer is remitting correctly.
Minsan may delay sa posting, lalo na kung payroll cutoff pa lang.
To track your remaining balance.
Useful kapag gusto mong mag-renew or plan mong bayaran in full.
To avoid penalties.
Remember: late posting or missing amortizations may lead to 1% monthly penalty on the unpaid amount.
For peace of mind.
You’ll instantly know your payment status—no guessing game, no stress.

🖥️ Step-by-Step: How To View Your SSS Loan Statement Online

Here’s the exact process you can follow using your My.SSS account:

Step 1: Go to the SSS Website

Visit https://www.sss.gov.ph.
Click Member Login under “My.SSS Portal.”

Step 2: Log in with your credentials

Use your registered SSS number or User ID and password.
If you forgot your password, you can reset it using your registered email.

Step 3: Access “Inquiry”

After logging in, go to the “Inquiry” tab in the top menu.

Step 4: Click “Loans Info” → “Salary Loan”

This section shows all your loan details—loan number, granted amount, service charge, amortization schedule, and remaining balance.

Step 5: Click “Loan Statement of Account”

Here you’ll see the full posting history of your loan payments.
You can view:

Posting date (when the payment was officially recorded)
Amount paid
Interest and principal breakdown
Outstanding balance

💡 Tip: If you want a copy, press Ctrl + P to print or Save as PDF for your records.

📅 What If My Payment Hasn’t Appeared Yet?

This is one of the most common questions SSS members ask.
Here are possible reasons:

Employer delay: Your employer may have deducted your amortization but hasn’t remitted yet to SSS.
Batch posting: Payments are often posted in batches—sometimes it takes a week or two.
Weekend or holiday delay: If you paid near a weekend or holiday, the posting may be processed the following business day.
Wrong payment reference number (PRN): For voluntary members, make sure the correct PRN is used.

If it’s been more than 30 days, contact your employer’s HR or visit your nearest SSS branch with your proof of payment.

📊 Understanding Your SSS Salary Loan Computation

Now that you know how to view your statement, let’s understand what the numbers mean.

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

🧮 How the Loan Amount Is Determined

Type of Loan	Contribution Requirement	Loan Amount Limit
1-Year Loan	At least 36 contributions (6 in last 12 months)	1 month AMSC or up to ₱25,000
2-Year Loan	At least 72 contributions (6 in last 12 months)	2 × AMSC or up to ₱50,000

Minimum loanable amount: ₱1,000
Loan term: 12 months (1-year) or 24 months (2-year)

Service charge: 1% of the approved loan is automatically deducted upon release.

💰 Example Computation

Let’s say your AMSC is ₱20,000, and you qualify for a 2-year loan.

Loan amount: ₱40,000
Interest rate: 8% per year (based on diminishing balance)
Service charge: ₱400 (1%)
Pro-rated interest: charged upfront before first amortization.

If the loan is approved on March 12, 2025, SSS computes pro-rated interest from March 12 to April 30 (50 days).
Interest = ₱40,000 × 8% × (50 ÷ 365) = ₱438.36

So, your total net proceeds will be around ₱40,000 – ₱400 – ₱438.36 = ₱39,161.64.

Regular monthly amortizations start in May 2025.

🔢 Try the Official SSS Salary Loan Calculator

To make it easy for you, you can use the SSS Salary Loan Calculator to estimate how much you can borrow and how much you’ll pay per month.

It’s perfect for checking:

Estimated amortization
Possible loan amount based on your AMSC
Interest and service charge breakdown

This helps you plan your budget before you even apply.

🏦 How to Double-Check Through Your Employer or Branch

Aside from My.SSS, here are other ways to verify your loan statement:

1. Through Your Employer

If you’re employed, your HR or accounting department can show the SSS remittance record.
Make sure the payment date and PRN match your amortization schedule.

2. At the Nearest SSS Branch

Bring a valid ID and your SSS number. You can request for a Loan Statement Printout from the teller.

They can confirm:

Total amount borrowed
Posted payments
Remaining balance

This is helpful if you suspect unposted payments or mismatched records.

⏰ What Happens If You Miss a Payment?

If your payment isn’t remitted on time:

SSS charges 1% penalty per month on the unpaid amortization.
Your loan may become delinquent and ineligible for renewal.
Future SSS benefits (like maternity, sickness, or retirement) can be used to offset unpaid loans.

👉 Tip: Always check your My.SSS account a few days after your due date to confirm posting.

💬 Common Member Questions

“Puwede bang mag-advance payment?”
Yes! You can pay in advance or even fully settle your loan anytime—no penalties.

“Puwede bang mag-renew ng loan kahit ongoing pa?”
Yes, as long as you’ve paid at least 50% of the original principal and have no overdue balance.

“Paano kung may penalty condonation?”
If you previously availed of condonation, future renewals will be charged 10% interest instead of 8%.

⚖️ Summary of Key Loan Rules

Item	Details
Interest Rate	8% per annum on diminishing balance
Loan Term	12 or 24 months
Service Charge	1% of approved loan
Late Payment Penalty	1% per month
Pro-rated Interest	Charged from loan approval date until end of following month
Repayment Method	Payroll deduction or voluntary payment
Loan Default	May be deducted from future SSS benefits

✳️ TL;DR Summary

If you want to check your SSS Salary Loan Statement, simply log in to your My.SSS account → Inquiry → Loans Info → Salary Loan → Loan Statement of Account.

Always monitor if your employer has remitted your amortizations correctly.
For quick estimates of your loanable amount and monthly payment, use the SSS Salary Loan Calculator before applying.

🙋‍♀️ FAQs: How to View Your SSS Loan Statement Online

1️⃣ How long before my SSS loan payment appears online?
Usually within 7–15 working days. If not posted after 30 days, coordinate with your employer or SSS branch.

2️⃣ Can I check my statement without going to SSS?
Yes! Just log in to your My.SSS account—everything’s online.

3️⃣ What if my employer failed to remit my payment?
You can report unremitted contributions or loan payments to SSS with proof of deduction.

4️⃣ Can I still view my statement if I’m no longer employed?
Yes. As long as you have a My.SSS account, your records remain accessible.

5️⃣ What’s the difference between “Loan Statement” and “Loan Voucher”?
The Loan Statement tracks your payments and balance, while the Loan Voucher shows details of the approved loan (amount released, service charge, etc.) at the time of approval.

✅ Final Thoughts

Checking your SSS Salary Loan Statement online is the best way to stay updated on your payments and avoid penalties.
It’s simple, quick, and gives you full transparency—whether you’re employed, self-employed, or a voluntary member.

So next time you’re worried if your payments are posted, just log in to My.SSS—or better yet, plan your next loan using the SSS Salary Loan Calculator before applying!

How Can I View My SSS Loan Statement Online?