Where Can I Find My SSS Loan Statement in the My.SSS Portal?

Have you ever tried checking your SSS loan online and wondered, “Nasaan ang loan statement ko?”
Don’t worry—hindi ka nag-iisa. Many members log in to their My.SSS account but can’t immediately locate their Salary Loan Statement of Account.

In this guide, you’ll learn exactly where to find it, how to read each section, and what to do if your payments aren’t showing yet.
We’ll also walk through the loan computation rules and show you how to estimate your balance using the official SSS Salary Loan Calculator.

💡 What Is an SSS Loan Statement?

Your SSS Loan Statement of Account is your detailed record of:

Loan approval date and amount
Monthly amortizations
Payment postings
Interest, service charge, and penalties (if any)
Remaining balance

It’s like your personal “loan diary” that tracks every peso of your SSS Salary Loan.

Checking it regularly helps you:
✅ Verify if your employer has remitted correctly
✅ Avoid penalties from missed payments
✅ Know if you’re qualified for loan renewal

🖥️ Step-by-Step: How to Find Your SSS Loan Statement in the My.SSS Portal

Here’s how to navigate the My.SSS system and locate your statement easily.

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 User ID or SSS number and password.
If you forgot your password, click “Forgot User ID or Password?” and reset via your registered email.

Step 3: Go to the “Inquiry” Tab

Once logged in, you’ll see a top navigation bar. Click “Inquiry.”

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

Here you’ll see:

Loan number
Date granted
Loan amount
Service charge
Loan term and monthly amortization

Step 5: Click “Loan Statement of Account”

This is the page that shows your complete loan history, including all posted payments.

You’ll find:

Column	Description
Posting Date	When the payment was officially recorded by SSS
Amount Paid	The actual payment received
Interest / Principal	How much went to interest vs. principal
Outstanding Balance	Remaining unpaid balance

✅ Tip: You can print or download the page by pressing Ctrl + P → Save as PDF for your records.

📅 Why Your Loan Payment Might Not Appear Yet

Sometimes, members panic when their latest payment isn’t showing online.
Here’s why that can happen:

Employer delay: Your company may have deducted it from your salary but hasn’t remitted yet to SSS.
Batch posting: SSS updates records in bulk. Payments may take 7–15 business days to reflect.
Weekend or holiday: Posting is paused on non-working days.
Incorrect PRN: For voluntary members, double-check your Payment Reference Number.

If your payment hasn’t appeared after 30 days, visit the nearest SSS branch or coordinate with your employer’s HR department.

💰 How SSS Salary Loan Is Computed

Now that you know how to find your statement, it’s helpful to understand where the numbers come from.

🧮 Loan Amount Basis

Your loan depends on your Average Monthly Salary Credit (AMSC) and number of posted contributions.

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

Minimum loan: ₱1,000
Loan term: 12 or 24 months

Service charge: 1% of the approved loan
Interest rate: 8% per year, computed on a diminishing principal balance

🧾 Example Computation

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

Item	Amount
Approved Loan	₱40,000
Service Charge (1%)	₱400
Pro-Rated Interest	₱438.36
Net Loan Proceeds	₱39,161.64

🧮 Pro-Rated Interest Example

If your loan was approved on March 12, 2025, SSS computes interest from March 12–31 (20 days) + April (30 days).
That’s 50 days total.

Formula:
₱40,000 × 8% × (50 ÷ 365) = ₱438.36

This amount is deducted upfront, covering the period before your first amortization starts in May 2025.

🔢 Try the Official SSS Salary Loan Calculator

Before applying or renewing, use the SSS Salary Loan Calculator to estimate your loanable amount, monthly amortization, and total interest.

This tool helps you budget properly and compare 1-year vs. 2-year options instantly.
It’s free, easy, and based on the same computation rules SSS uses.

🏦 Other Ways To Verify Your Loan Statement

If the My.SSS portal is temporarily unavailable or you want official confirmation, you can:

1. Ask Your Employer’s HR Department

They can show you the SSS remittance list and confirm if payments were forwarded.

2. Visit Your Nearest SSS Branch

Bring a valid ID and your SSS number.
Request a Loan Statement of Account printout to verify posted payments.

⚖️ SSS Salary Loan Rules You Should Know

Item	Details
Interest Rate	8% per annum on diminishing balance
Service Charge	1% of the approved loan
Late Payment Penalty	1% per month of unpaid amortization
Loan Renewal	Allowed after paying at least 50% of the principal
Loan Default	May be deducted from future benefits
Early Payment	Allowed anytime, no penalties
Loan Term	12 or 24 months

🔎 Understanding the “Loan Statement” vs “Loan Voucher”

Document	Purpose
Loan Voucher	Shows details upon loan approval (amount, service charge, date of release)
Loan Statement	Tracks payments, balances, and penalties throughout your loan term

Both are important—but only the Loan Statement tells you your updated balance.

⚠️ What Happens If You Miss Payments

If an amortization isn’t remitted on time:

You’ll incur 1% penalty per month on the missed payment.
Your account may become delinquent, preventing renewal.
SSS can deduct unpaid amounts from future benefits (maternity, sickness, or retirement).

To avoid issues, always verify your posted payments in My.SSS within the first week after your due date.

✳️ TL;DR (Too Long; Didn’t Read)

You can find your SSS Loan Statement by logging in to My.SSS → Inquiry → Loans Info → Salary Loan → Loan Statement of Account.

Always check if your payments are posted to avoid penalties and maintain your good standing.
For computation, use the SSS Salary Loan Calculator to estimate your amortization and balance.

🙋 Frequently Asked Questions (FAQs)

1️⃣ Where exactly can I find my SSS loan statement?
Log in to My.SSS → Inquiry → Loans Info → Salary Loan → Loan Statement of Account.

2️⃣ How long before payments appear online?
Usually within 7–15 working days. If it takes longer, check with your employer or SSS branch.

3️⃣ Can I view it on my phone?
Yes. You can access the My.SSS website via mobile browser (Chrome or Safari). The layout adjusts automatically.

4️⃣ Is there a downloadable copy?
Yes. Click Print or press Ctrl + P → Save as PDF.

5️⃣ Can I check multiple loans?
Yes. The portal lists all your salary loans. Click each one to view its statement individually.

✅ Final Thoughts

Finding your SSS Loan Statement in the My.SSS portal may seem tricky at first, but once you know where to look, it’s simple.
Regularly checking your statement keeps you in control—no missed payments, no surprise penalties, and easier renewal when needed.

So the next time you log in to your account, remember:
Inquiry → Loans Info → Salary Loan → Loan Statement of Account — that’s your key path!

And if you want to estimate how much you can borrow or pay monthly, try the SSS Salary Loan Calculator today.

Where Can I Find My SSS Loan Statement in the My.SSS Portal?