How to Cancel SSS Salary Loan Application Online (2025 Guide)
Applying for an SSS Salary Loan can be a lifesaver when you need extra cash for bills, emergencies, or personal expenses. But what if you changed your mind after applying? Maybe you realized you’re not yet ready to start monthly deductions, or you found a better financial option.
Good news: while the SSS online system doesn’t have a direct “Cancel” button, there are official steps to stop, withdraw, or defer a pending SSS Salary Loan before it gets disbursed.
This guide will walk you through how to cancel your SSS Salary Loan application online, when it’s still possible, and what happens if the loan is already approved or credited.
💡 Quick Refresher: What Is the SSS Salary Loan?
The SSS Salary Loan is a short-term cash loan granted to active SSS members. It’s designed to help employed, self-employed, and voluntary members meet short-term financial needs.
You can borrow up to one or two months of your Average Monthly Salary Credit (AMSC) depending on your posted contributions.
The loan is payable in 24 equal monthly amortizations at 8% annual interest, automatically deducted from your salary or paid via SSS partner channels.
💻 Why Members Want to Cancel Their SSS Salary Loan
There are several valid reasons why members might want to cancel an SSS loan application after submission:
💰 Found another financial option with lower interest
🕒 Employer still hasn’t certified the application
🔄 Submitted by mistake or with wrong details
📉 Salary deductions haven’t started yet and you changed your mind
👶 Maternity or sickness benefit overlap (want to avoid deductions)
If you’re in any of these situations, you can still act — but timing matters. Once your loan has been certified and released, it can no longer be canceled online.
🕐 When Can You Still Cancel the SSS Salary Loan?
Loan Status
Can You Cancel?
How to Cancel
Pending Employer Certification
✅ Yes
Withdraw request online or ask HR not to certify
Certified but Not Yet Approved by SSS
✅ Possible
Call or email SSS branch to request cancellation
Approved but Not Yet Credited to Bank
⚠️ Limited
Request withdrawal immediately via email or hotline
Already Released to Bank or UMID Card
❌ No
Cancellation not possible; proceed with repayment instead
👉 Key tip: If your loan is still marked “Pending Employer Certification” in your My.SSS account, that’s the best time to stop it — no money has been processed yet.
🧭 Step-by-Step: How to Cancel SSS Salary Loan Application Online
Here’s the exact process depending on where your application currently stands.
📍 If it shows “Pending Employer Certification,” that means your employer hasn’t confirmed it yet — perfect time to cancel.
🪜 Step 2: If Still Pending, Withdraw or Ask HR Not to Certify
If you haven’t clicked “Submit” to finalize the application, simply close or ignore it — unsubmitted applications expire automatically after a certain period.
If you already submitted it but it’s awaiting certification, do this:
Contact your HR or employer and ask them not to certify your SSS loan application.
The request will automatically expire after a few days if not certified.
No further action from your side is needed.
🪜 Step 3: If Certified but Not Yet Approved by SSS
If your employer already certified your loan but it’s still under SSS review, you must act quickly:
Contact your nearest SSS branch via email or hotline.
State your Full Name, SSS Number, and Loan Reference Number.
Politely request to cancel your pending loan before disbursement.
Example message:
Subject: Request to Cancel SSS Salary Loan Application
Hi SSS,
I would like to cancel my SSS Salary Loan application with Reference No. [insert number], submitted on [date]. My employer is [company name]. Kindly confirm if the cancellation is possible before loan disbursement.
🪜 Step 4: If Loan Is Already Approved but Not Yet Credited
If your SSS Salary Loan is already approved but funds are not yet credited to your bank account, immediately email or call SSS to request hold or withdrawal.
Provide your reference number, and specify that the loan has not yet been disbursed to your UMID or bank account.
⚠️ Note: Success depends on timing — if SSS has already initiated the fund transfer, cancellation might no longer be possible.
🪜 Step 5: If Loan Was Already Credited
Once funds are credited to your UMID card or bank, SSS considers the loan officially released. You can no longer cancel it online.
However, you can repay the full loan amount immediately to minimize interest. SSS does not charge prepayment penalties — meaning you can pay it back in full and stop future deductions anytime.
💸 Example of Loan Release and Deduction Timing
To understand when your cancellation window closes, here’s a timeline:
Event
Example Date
Action
Loan applied via My.SSS
March 1
Can still cancel anytime
Employer certifies
March 3
Can still request cancellation
SSS approves
March 7
Must call or email immediately
Fund credited
March 10
Too late to cancel, but can repay early
📊 Related: Check Your Amortization Before Confirming
Before you decide to keep or cancel your SSS loan, it helps to know what your monthly amortization will look like.
You can compute your monthly payment, total interest, and actual amount you’ll receive after deductions like the 1% service charge and pro-rated interest.
🧮 Example Loan Breakdown (₱20,000 Loan)
Item
Description
Amount
Approved Loan
Principal
₱20,000.00
Less: 1% Service Charge
₱200.00
Less: Pro-Rated Interest (50 days @ 8%)
₱219.18
Net Amount Received
₱19,580.82
Monthly Payment (24 months @ 8%)
₱900.00 approx
Knowing this breakdown helps you decide more confidently whether to proceed with or cancel your SSS Salary Loan.
⚠️ Common Questions About Cancelling Your SSS Loan
1️⃣ Can I cancel my SSS Salary Loan after approval?
You can try, but it’s only possible before disbursement. Once the funds are credited, cancellation isn’t allowed — only repayment.
2️⃣ How do I know if my loan is already approved?
Log in to My.SSS → Inquiry → Loans Info. If it says “Approved,” check your bank or UMID card for credit within 1-2 days.
3️⃣ What happens if I just ignore my loan?
If it’s pending employer certification, it will auto-expire. But if already approved, ignoring it won’t cancel the loan.
4️⃣ Can I apply again after canceling?
Yes. You can reapply anytime as long as you still meet the eligibility requirements and your previous loan was not disbursed.
5️⃣ Can I cancel through the SSS mobile app?
Currently, there’s no cancel button in the SSS Mobile App. You must contact SSS directly through your registered email or branch.
🧾 TL;DR — Quick Summary
✅ You can cancel your SSS Salary Loan if:
It’s still pending employer certification, or
Certified but not yet approved by SSS.
❌ You can’t cancel once it’s approved and released, but you may pay it off early.
💡 Tip: Always double-check your details and compute your monthly amortization using the SSS Salary Loan Calculator before clicking submit.
💬 Final Thoughts
The SSS Salary Loan is a great financial tool — but timing and accuracy matter. Whether you’re applying or canceling, always track your status in My.SSS and communicate clearly with your employer or SSS branch.
If you’re unsure whether to push through, use the calculator first to estimate your real take-home loan and monthly deduction. Sometimes, seeing the numbers makes the decision easier.
Remember: it’s your right to withdraw or clarify your loan status — as long as you act before release.
