How Do I Pay My SSS Salary Loan?

How to pay your SSS Salary Loan

1. Check who should remit the payment.
   If you are employed, your employer normally deducts the monthly amortization from payroll and remits it to SSS. If you are paying as an individual member, you pay directly using your PRN.
2. Get the correct Salary Loan PRN.
   Use My.SSS, your SSS loan billing notice, or an SSS branch/E-Center to obtain the payment reference.
3. Pay through an SSS-compliant payment channel.
   Use SSS tellering or an accredited collecting partner that accepts PRN-based loan payments.
4. Confirm that the payment was posted.
   Keep the receipt or payment confirmation and check your loan record in My.SSS.

If you are employed: your employer normally remits the payment

Under the current Salary Loan rules, an employed member authorizes the employer to deduct the monthly amortization from payroll. The employer is responsible for remitting the collected amount to SSS.

If the amount is already deducted from your salary but does not appear in your SSS loan record, do not assume the loan is already paid. Check the posting in My.SSS and ask your employer or payroll team for the remittance details if needed.

How to get your Salary Loan PRN

If the PRN amount or loan details look wrong, verify your loan record before making another payment.

Where can you pay an SSS Salary Loan?

SSS accepts PRN-based loan payments through SSS tellering facilities and SSS-accredited collecting partners.

Partner availability can change. The safest check is whether the payment channel currently accepts an SSS loan PRN, not only contribution payments.

When is the SSS Salary Loan payment due?

The current Salary Loan is payable in 24 equal monthly amortizations. Amortization starts on the second month following the month of loan approval.

The payment deadline is on or before the last day of the month following the applicable month.

If the deadline falls on a Saturday, Sunday or holiday, SSS allows payment on the next working day.

Can you pay the Salary Loan early or in full?

Yes. SSS states that cancellation is not allowed after the Salary Loan is granted, but you may terminate the loan early by paying the outstanding balance in full as of the settlement date.

The amount to settle can include any applicable penalty, interest and principal. Check your current loan balance before paying a full-settlement amount.

What happens if you pay late?

A Salary Loan amortization remitted after the due date is subject to a 1% penalty per month, computed and charged for every day of delay.

SSS applies loan payments in this order:

1. Penalty
2. Interest
3. Principal

This means a late or partial payment may reduce the principal by less than you expect because penalties and interest are applied first.

When can a Salary Loan be considered in default?

Under the current SSS rules, a Salary Loan can be considered in default when the total unpaid obligation is equivalent to more than six monthly amortizations, or when a balance remains after the loan term.

If a loan reaches default, the full balance can become due and demandable. An unpaid balance may also affect future SSS transactions and may be deducted from applicable future SSS benefits under SSS rules.

Payment made but not showing in My.SSS?

1. Check that you paid using the correct loan PRN.
2. Keep your receipt, confirmation number or payment screenshot.
3. Check My.SSS again for the loan posting and updated balance.
4. If you are employed, confirm with payroll that the deducted amount was actually remitted to SSS.
5. If the payment still does not post, contact SSS and provide the PRN and proof of payment.

Avoid paying the same amount again just because the balance has not updated yet. Confirm the original transaction first so you do not accidentally create an overpayment.

Check your Salary Loan before paying

If you are not sure about the balance, amortization or interest, use the related tools before making a payment.

Frequently asked questions