My Employer Didn’t Certify My SSS Salary Loan What Can I Do?
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My Employer Didn’t Certify My SSS Salary Loan — What Can I Do?
If you’ve applied for an SSS Salary Loan online and received a notice that your employer hasn’t certified your application, you’re not alone. Many employees face delays simply because this one crucial step was overlooked or mishandled by their employer.
Let’s break down what this means and what you can do about it.
🔍 What Does “Employer Certification” Mean in SSS Salary Loan Applications?
When you submit your SSS Salary Loan online, it doesn’t automatically move forward. The employer must certify your application to confirm you’re actively employed and contributing to SSS. This step helps prevent fraudulent or unauthorized loan requests.
No certification = No loan processing.
🧭 What You Should Do If Your Employer Didn’t Certify
Talk to Your HR or Payroll Department ASAP Politely ask if they received the notification from SSS and remind them to log into their My.SSS Employer account to certify your loan.
Confirm Your Employer Has an Active SSS Web Account Your employer must be registered in the SSS online employer portal to certify any online applications. Some companies may not be aware this is required.
Follow Up Regularly SSS gives 5 calendar days for the employer to certify. If not done within this time, your loan application is automatically cancelled.
Reapply After Certification Delay If your application expired due to non-certification, wait 24 hours then reapply. This time, make sure your employer is ready.
Report to SSS If Your Employer Refuses If your employer continuously refuses to certify despite your eligibility, report this to SSS. It may violate your employee rights.
🚨 Pro Tip:
Employers can also be held accountable if they intentionally delay or deny your certification without valid reason.
✅ Checklist for a Smooth SSS Loan Certification Process
1. Can I go to an SSS branch instead if my employer won’t certify online? No. All Salary Loan certifications must be done by the employer through their SSS online account.
2. Will SSS inform my employer automatically? Yes. An email notification is sent to the employer upon your online loan application. However, follow-up is still recommended.
3. What happens if the 5-day certification window lapses? Your loan application will be cancelled. You may reapply, but the clock resets.
4. Can I certify my own loan if I’m self-employed? Yes, self-employed members can apply without employer certification.
5. My employer doesn’t have an SSS web account. What now? Encourage them to register. It’s a basic requirement for compliance with SSS online services.
6. I already left the company — can they still certify? If you were employed during the application period and they haven’t reported your separation yet, they technically can. But timing is crucial.
7. How can I know if my employer certified the loan? You can check your My.SSS account. The loan status will show as “Certified by Employer” if done successfully.
