SSS Salary Loan Guide
SSS Salary Loan Disclosure Statement: How to Get or Find It
See where the Disclosure Statement appears in My.SSS, what to do if you forgot to download it, and how to find or retrieve the correct Salary Loan record.
Updated October 2026 · My.SSS web and mobile guidance
Disclosure Statement Checker
Choose where you are in the Salary Loan process to see the most useful next step.
Your result
Saan makikita ang SSS Salary Loan Disclosure Statement online?
Sa My.SSS Salary Loan application flow. Log in to My.SSS, open Loans → Apply for Salary Loan, choose the required loan and disbursement details, then click Next. The current SSS Citizens’ Charter says the system will then display the Disclosure Statement and Terms and Conditions for review.
Taglish: Kung hinahanap mo kung saan makikita ang Disclosure Statement sa SSS online, nasa Salary Loan application flow ito. Kung nakalimutan mong i-save o i-download, buksan muna ang tamang Salary Loan record; kung hindi na available ang document, gamitin ang official SSS support para sa account-specific help.
The SSS Salary Loan Disclosure Statement explains important financial information about your individual Salary Loan. Current SSS Salary Loan guidance specifically says that your individual effective interest rate (EIR) is reflected in the Disclosure Statement displayed during the application process.
SSS terms also state that a Disclosure Statement on the loan transaction shall be issued upon approval of the Salary Loan application. If you are checking an already approved or older loan, open the correct Salary Loan record and related documents; the exact screen layout can change.
What is an SSS Salary Loan Disclosure Statement?
Think of the Disclosure Statement as the document that helps you understand the financial terms behind the amount you are borrowing. It is different from simply seeing that a loan is approved.
SSS identifies the disclosure statement as part of its Salary Loan process and links it to the Truth in Lending requirements applicable to the loan transaction.
The practical question it answers
“How is this Salary Loan structured, what does it cost, and why may the amount I actually receive differ from the gross loan amount?”
What does the SSS Salary Loan Disclosure Statement show?
The exact presentation may change, but the Disclosure Statement is meant to explain important financial terms of your individual loan. Current SSS Salary Loan rules specifically state that the borrower’s individual effective interest rate (EIR) is reflected in it.
| Loan detail | Why it matters |
|---|---|
| Loan amount | Shows the amount used as the starting point for the Salary Loan transaction. |
| Effective interest rate | Helps you understand the actual borrowing cost for your individual loan. |
| Service fee | Current SSS rules impose a 1% service fee deducted from the Salary Loan proceeds. |
| Pro-rated interest | Current rules provide for pro-rated interest to be deducted in advance from the loan proceeds. |
| Net proceeds | Helps explain why the amount actually received can be lower than the gross approved loan amount. |
| Repayment terms | Helps you understand the amortization and repayment obligation connected with the loan. |
Current SSS rules say net loan proceeds are the approved loan amount less applicable service fee, pro-rated interest, and any outstanding balance of previous short-term member loans, if applicable.
Why can the amount received be lower than the approved loan amount?
This is one of the main reasons the Disclosure Statement is useful. Under the current SSS Salary Loan rules, deductions can include the 1% service fee, pro-rated interest, and an applicable outstanding balance from previous short-term member loans.
Simple flow
Approved loan amount → applicable deductions → net loan proceeds
Where do I find the SSS Salary Loan Disclosure Statement?
The 2026 SSS Citizens’ Charter places the Disclosure Statement directly inside the online Salary Loan application flow. The exact fields differ slightly by member type, but the path is the same: enter My.SSS, start the Salary Loan application, choose the required loan/disbursement details, then proceed to the disclosure screen.
1. Log in to My.SSS
Use the member account connected with the Salary Loan application.
2. Go to Loans → Apply for Salary Loan
The SSS Citizens’ Charter lists this as the web-portal path for Salary Loan application.
3. Choose the required loan and disbursement details
For employed members, this includes the certifying employer/branch plus loanable amount and disbursement bank. Individual members choose the applicable loan amount and disbursement bank.
4. Click Next — the Disclosure Statement appears
SSS says the system displays the Disclosure Statement and Terms and Conditions at this step. Read it before accepting and continuing.
5. Save a copy when the interface offers it
The mobile application flow also presents the Disclosure Statement during the Salary Loan process. Screen labels can change, so follow the live My.SSS instructions.
Forgot to download your SSS Salary Loan Disclosure Statement?
If you saw the Disclosure Statement during the application but did not save a copy, do not submit a new Salary Loan application just to get the document again. First open the correct Salary Loan transaction or approved-loan record in My.SSS and check the related documents available for that loan.
Still in the application flow
Review the Disclosure Statement when My.SSS displays it and save or download a copy if the current interface offers that option.
Already submitted or approved
Open the correct Salary Loan record and its related documents first. Do not create a duplicate application just to look for the statement.
Trying to retrieve an older statement
Confirm the loan date and historical transaction you are viewing so you do not confuse an older Salary Loan with the current one.
No copy is available in your account
Use official SSS support for account-specific retrieval help. This website cannot access or recover documents inside your My.SSS account.
Contact SSS →Important: Current SSS Salary Loan guidance confirms that the individual Disclosure Statement is displayed during the application process. The exact place where an older or already-approved statement can be reopened may depend on the current My.SSS interface and the specific loan record.
What if I cannot find the Disclosure Statement?
Do not assume the document is the same as your voucher or loan statement. First confirm that you are opening the correct Salary Loan transaction.
Still applying?
Review the application steps carefully. Current SSS guidance says the individual Disclosure Statement is displayed during the application process.
Already approved?
Open the approved Salary Loan record and related documents. SSS terms state that a Disclosure Statement shall be issued upon approval.
Checking an old loan?
Make sure you are viewing the correct historical loan record rather than the current active loan.
Still missing?
Use the official SSS channels for account-specific help because this website cannot see your My.SSS documents.
Disclosure Statement vs Loan Voucher vs Loan Statement
| Document | Best used for |
|---|---|
| Disclosure Statement | Understanding the financial terms and borrowing cost of the Salary Loan. |
| Loan Voucher | Reviewing the Salary Loan transaction/release document and related loan details. |
| Loan Statement / Statement of Account | Checking balances, payments, amortization records, and outstanding loan obligations. |
Official SSS references
For current Salary Loan rules and the exact online Disclosure Statement step, use the official SSS Salary Loan page, the 2026 SSS Citizens’ Charter, and the current Salary Loan program circular.
Frequently asked questions
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This website is an independent informational resource and is not the official Social Security System website. Always verify account-specific information through My.SSS or official SSS channels.