If you’ve applied for an SSS Salary Loan, one of the first things you’ll want to know is who can actually view or access the SSS Loan Statement — and what it contains. Whether you’re checking your remaining balance, amortization schedule, or just confirming if your employer is remitting your payments, understanding this document is essential.
In this guide, we’ll explain who can access the SSS Loan Statement, what’s inside it, how to get yours, and how it connects with your SSS Salary Loan account.
🏦 What Is an SSS Loan Statement?
An SSS Loan Statement is a record issued by the Social Security System (SSS) showing details about your active or past loans — including:
Total approved loan amount
Monthly amortization
Remaining balance
Interest and penalty details (if any)
Payment dates and remittances from your employer
It’s like your “credit card statement,” but specifically for your SSS Salary Loan or other SSS-issued loans.
💡 Why It Matters
Your SSS Loan Statement helps you track your financial standing with SSS. It ensures your loan payments are properly posted, especially if your employer handles deductions. It also serves as proof if you need to renew a loan, apply for another SSS benefit, or verify if you’re cleared of any debt.
👥 Who Can Access the SSS Loan Statement?
Not everyone can view or access your SSS Loan Statement — it’s a confidential financial record. The SSS allows only specific authorized individuals or entities to view it under certain conditions:
1. The SSS Member (You)
You are the primary and rightful owner of your loan statement. You can access it anytime through:
The My.SSS portal (https://www.sss.gov.ph) → Login → E-Services → Inquiry → Loans Information
The SSS Mobile App → Login → Loans → Salary Loan
By visiting your nearest SSS branch and presenting a valid ID
🟢 Tip: Always use your registered SSS account to access your statement. Never share your login details with others.
2. Authorized Employer (For Employed Members)
Your employer has limited access to your loan payment records for remittance and deduction purposes. Employers can:
Verify approved salary loans of their employees through the SSS employer portal.
Access billing and collection lists related to salary loan amortizations.
View payment confirmation reports to ensure remittances are properly posted.
However, employers cannot access your full SSS Loan Statement — they can only see what’s relevant to payroll deductions and remittance status.
3. SSS Personnel
Authorized SSS personnel can view loan statements internally for verification, processing, or dispute resolution purposes. They must comply with data privacy and confidentiality policies, ensuring your information remains secure.
4. Authorized Representatives
If you’re unable to appear personally, your authorized representative can request your SSS Loan Statement at an SSS branch, provided they submit:
A notarized authorization letter
A valid ID of both parties
Photocopies of your SSS ID or UMID card
This is commonly used by members working abroad or on maternity leave.
📄 What Information Does the Loan Statement Show?
Your SSS Loan Statement typically contains the following sections:
Section
Description
Loan Type
Salary Loan, Calamity Loan, etc.
Date Granted
When the loan was approved and credited
Principal Amount
The total amount approved by SSS
Service Charge
1% deducted upfront before release
Pro-rated Interest
Interest for the period between approval and the start of amortization
Monthly Amortization
The fixed monthly payment (including interest)
Remaining Balance
Updated amount after each payment
Penalties (if any)
Applied for late or missed payments
Payment History
List of posted payments and employer remittances
This statement gives you a clear view of how your loan is being paid and how much is left to settle.
🧮 How the SSS Loan Works (Quick Refresher)
If you’re new to the SSS Salary Loan, here’s a quick breakdown:
Loan Type
Required Contributions
Maximum Loanable Amount
1-Year Loan
36 posted contributions (6 within the last 12 months)
1 month of AMSC or up to ₱25,000
2-Year Loan
72 posted contributions (6 within the last 12 months)
2 months of AMSC or up to ₱50,000
Interest: 8% per annum (based on diminishing balance) Loan Term: 12 or 24 months Service Charge: 1% of the approved amount
Let’s say you’re approved for a ₱20,000 loan on March 12, 2025. SSS will deduct pro-rated interest for the period before your first monthly payment.
Step-by-step example:
Period covered: March 12–March 31 (20 days) + April 1–April 30 (30 days) = 50 days
Annual interest = 8% of ₱20,000 = ₱1,600
Daily interest = ₱1,600 ÷ 365 = ₱4.38/day
Multiply by 50 days → ₱219.18
📉 Result: ₱219.18 is deducted upfront from your approved amount. Your actual credited loan = ₱20,000 – ₱219.18 (pro-rated interest) – ₱200 (service charge).
🔐 How to Securely View Your Loan Statement
Log in to your My.SSS account.
Go to E-Services → Inquiry → Loans Info.
Choose Salary Loan under “Loan Type.”
Click “View Loan Details.”
You can print or save the PDF copy for your records.
If you don’t have an online account yet, register at www.sss.gov.ph — it’s free and available 24/7.
⚠️ Common Issues When Viewing Your SSS Loan Statement
Problem
Cause
Solution
No data shown
Delayed posting by employer
Wait 1–2 weeks after remittance
Wrong balance
Misposted payment
File a correction request via SSS branch
Can’t log in
Locked My.SSS account
Reset password via email
Missing months
Employer not remitting
Contact your HR or employer immediately
💬 TL;DR — Quick Summary
If you’re wondering who can access your SSS Loan Statement, here’s the simple answer:
Who
Access Level
Purpose
You (Member)
✅ Full access
View and track your SSS loan
Employer
⚠️ Limited access
Verify remittance deductions
SSS Staff
✅ Internal use only
Verification and processing
Authorized Representative
⚠️ Limited access with authorization
Retrieve loan details on your behalf
Even if you’re on maternity leave or working abroad, you can still access your statement online anytime.
🧠 FAQs About the SSS Loan Statement
1. Who can request a copy of the SSS Loan Statement?
Only the SSS member, their authorized representative, or SSS personnel (for verification) can request it.
2. Can my employer see my loan balance?
Employers can only see remittance and deduction details, not your full balance or personal information.
3. How often is my SSS Loan Statement updated?
It’s updated every time your employer remits payments, typically monthly.
4. Can I print my loan statement online?
Yes. After logging into your My.SSS account, click “Print Loan Statement” to generate a PDF copy.
5. I resigned — how do I continue paying my SSS Loan?
You can pay directly at SSS partner payment centers or through GCash, Maya, or accredited banks. Keep your payment receipts for future reference.
💬 Final Thoughts
The SSS Loan Statement isn’t just a document — it’s your key to understanding how your loan is managed. Always check it regularly to make sure your employer’s payments are up to date and that your loan balance matches your expectations.
Kung member ka ng SSS, good news — pwede mong i-monitor online ang lahat ng detalye ng loan mo, anytime and anywhere. Try using the SSS Salary Loan Calculator to see how much you can borrow or how soon you can renew your loan.
