How Do I Know If My Employer Remitted My SSS Salary Loan Payments?

Have you ever wondered if your employer really remitted your SSS Salary Loan payments on time? 🤔

Marami sa atin ang nagbabayad monthly through salary deduction — pero minsan, pag-check mo sa My.SSS account, hindi pa pala updated! Nakaka-worry ‘di ba? Especially if you’re trying to renew your loan or just want to know kung ilang buwan na lang ang natitira.

In this guide, we’ll talk about how to verify if your employer remitted your SSS loan payments, how the posting process works, and what to do if your payments don’t appear yet. Plus, we’ll include a quick way to estimate your amortization using the SSS Salary Loan Calculator.

🏦 Understanding How SSS Salary Loan Payments Work

Before checking your payments, let’s refresh how the system works.

When you get approved for a SSS Salary Loan, the loan proceeds are credited to your account, but repayment happens through your employer.

Every month, your employer deducts the amortization amount from your salary and remits it to the SSS along with your other contributions.

Here’s how the deduction and posting process typically flows:

Cutoff deduction – Employer deducts the monthly amortization (e.g., ₱850/month).
Remittance schedule – Employers have until the 10th day of the following month to remit payments to SSS.
SSS posting delay – Even after remittance, posting on your account might take 2 to 4 weeks, especially if it’s processed in bulk.

✅ Tip: Don’t panic if your latest payment doesn’t show up immediately — posting delays are normal.

💻 How to Check If Your Employer Remitted Your SSS Salary Loan Payments

The fastest and most reliable way to verify is through your My.SSS account or SSS Mobile App.

🔹 Option 1: Via My.SSS Online Portal

Go to sss.gov.ph.
Log in to your My.SSS account.
On the dashboard, hover over “Loans” then click “Inquiry.”
Choose “Salary Loan” and you’ll see your current balance, loan release date, and monthly amortization.
Click “View Loan Details” to see payment posting history.

You’ll see each payment reflected as a “Posted” line with the corresponding month.
If a payment is missing or shows “No Posting,” that means either your employer hasn’t remitted yet or SSS hasn’t posted it.

🔹 Option 2: Via SSS Mobile App

Open the SSS Mobile App and log in.
Tap “Loans.”
Select “Salary Loan.”
View your Loan Statement of Account (SOA).

Here, you can see your total balance and payment history in a mobile-friendly layout.
The app updates based on the same data from My.SSS, so if it’s not posted online, it also won’t appear here yet.

🔹 Option 3: Ask Your HR or Employer Directly

If your payment isn’t showing after 2 months, talk to your HR or payroll officer.
Ask for proof of remittance — usually a Payment Reference Number (PRN) or an SSS payment confirmation slip.

Sample message to HR:

“Hi, I checked my SSS Salary Loan account and noticed the payments for August and September aren’t posted yet. Can you please confirm if these were already remitted to SSS?”

A professional and polite follow-up works best — sometimes the delay is just in the SSS posting system.

📅 Why Payments Sometimes Don’t Reflect Immediately

Here are the most common reasons your loan payments might not appear yet:

Late employer remittance – Employer missed the monthly cutoff but will remit the next month.
Batch posting delays – SSS processes thousands of remittances, so updates may take time.
Wrong PRN or reference – Employer may have entered an incorrect PRN during payment.
System maintenance – Online records may temporarily lag during updates or migration.
New employer transition – If you recently changed jobs, there may be a remittance gap.

📊 Understanding Your SSS Salary Loan Computation

To check if your deductions are correct, it helps to know how SSS computes your monthly amortization.

Loan Type	Required Contributions	Loanable Amount	Loan Term
1-year loan	36 posted (6 within last 12 months)	1× AMSC (max ₱25,000)	12 months
2-year loan	72 posted (6 within last 12 months)	2× AMSC (max ₱50,000)	24 months

📌 Interest Rate: 8% per annum based on diminishing balance
📌 Service Fee: 1% deducted from loan release
📌 Late Penalty: 1% per month on missed amortization

💡 Example:
If your loan is ₱20,000 payable in 24 months, your first month’s amortization is about ₱900+, but it decreases slightly every month as the principal goes down.

👉 Want to estimate your own payments?
Use the SSS Salary Loan Calculator to check your possible amortization and interest schedule before applying.

🧾 What If Your Payments Are Not Yet Posted?

If your loan payments aren’t appearing after 2–3 months, here’s what to do:

Confirm with your employer that payments were indeed remitted.
Ask for a copy of the SSS Payment Confirmation or PRN used.
Visit the nearest SSS branch or file an online inquiry through My.SSS.
Bring supporting documents, such as payslips showing salary deductions and company-issued proof of remittance.
Monitor again after 2 weeks to see if it’s reflected.

⚙️ What Happens If the Employer Fails to Remit?

If your employer deducted from your salary but didn’t remit it to SSS, that’s a violation of Republic Act 8282 (SSS Law).

SSS can impose penalties on the employer and still credit your payment once verified that deductions were made from your salary. Always keep copies of your payslips as proof.

✅ Good news: SSS protects employees in this scenario.
As long as you can show valid deductions from your payslips, SSS will investigate and credit the payments once confirmed.

💬 Real-Life Example:

Ana works in a small retail shop. Her SSS loan started in January, and she noticed by April that no payments were showing in her account. She talked to HR, who admitted they paid March and April together. By May, all payments were reflected.

Moral of the story: delays happen, but keeping track helps avoid loan renewal issues later.

🔄 When Can You Renew Your SSS Salary Loan?

You can renew your salary loan once you’ve paid at least 50% of your principal and 12 months have passed since your last loan approval date.

However, your loan must be up-to-date — meaning all payments must be posted first.
That’s why verifying your employer’s remittance regularly is important!

🧮 Quick Facts About SSS Salary Loan Rules

Interest: 8% per annum on diminishing balance
Loan term: 24 months
Service fee: 1% upfront deduction
Penalty: 1% per month for delayed amortizations
Renewal: After paying 50% of principal
Eligibility: 36 or 72 posted contributions (depending on 1-year or 2-year loan)

🕓 TL;DR Summary

Always check your My.SSS account or SSS Mobile App for loan payment updates.
Payments deducted by your employer may take 2–4 weeks to reflect.
Ask HR for a Payment Reference Number if it’s not yet posted.
You can use the SSS Salary Loan Calculator to estimate your monthly amortization.
If your employer fails to remit, SSS can still investigate and post the payments once verified.

❓FAQs

1. How long does it take for my SSS loan payment to post?
Usually 2–4 weeks after your employer remits, depending on batch processing.

2. What should I do if my employer hasn’t remitted my loan payments?
Ask for proof of payment and file a report to SSS if no action is taken.

3. Can I still apply for another loan if payments are delayed?
No. You must have updated and posted payments before applying for renewal.

4. What if my employer is no longer operating?
You can show your payslips as proof, and SSS will investigate to credit your payments.

5. Does SSS charge a penalty for delayed posting?
No, only for delayed actual payments — not for SSS system posting delays.

✅ Final Thought

Checking your SSS Salary Loan payment posting regularly is one of the smartest financial habits you can build as an employee.
It keeps your record clean, protects your benefits, and ensures you’re ready for your next loan or SSS transaction anytime.

Kung gusto mong malaman kung tama ang computation ng monthly amortization mo, subukan mo ang SSS Salary Loan Calculator — mabilis, libre, at super helpful bago ka mag-apply ulit!