How to Check Your SSS Loan Balance Online (2026 Guide)
Learn how to check your SSS loan balance online via My.SSS portal and mobile app. Step-by-step guide with tips on understanding your loan statement.
Keeping track of your SSS loan balance is essential to avoid penalties, verify employer remittances, and know when you’re eligible for a new loan. The good news is you don’t need to visit an SSS branch anymore—you can check your balance online in just a few minutes.
This guide covers the easiest methods to check your SSS loan balance: through the My.SSS portal, mobile app, and SSS hotline.
Method 1: Check SSS Loan Balance via My.SSS Portal
The most detailed way to check your loan balance is through the official SSS website.
Step-by-Step Instructions
Step 1: Go to member.sss.gov.ph
Step 2: Log in using your User ID and Password
Step 3: From the top menu, click “Inquiry”
Step 4: Select “Loans Info” from the dropdown
Step 5: You’ll see a summary of all your SSS loans. Click on the specific loan type (e.g., “Salary Loan”) to view details.
Step 6: Click “Statement of Account & Loan Payments” to see your current balance
Information Displayed
Your loan statement shows:
| Section | What It Shows |
|---|---|
| Loan Details | Loan date, check amount, monthly amortization |
| Past Due | Missed payments + penalties + interest |
| Current Due | This month’s payment (equals monthly amortization) |
| Amount Not Yet Due | Your remaining loan balance |
| Total Amount Obligation | Total you still owe |
| Credited Payments | Payments received by SSS |
Tip: The “Amount Not Yet Due” is your actual remaining loan balance—this is what you’d pay if settling your loan early.
Method 2: Check via SSS Mobile App
For quick access on your phone, use the official SSS Mobile app.
Download the App
- Android: Google Play Store
- iOS: App Store
- Huawei: AppGallery
System Requirements:
- Android 9 (Pie) or higher
- iOS 14 or higher
How to Check Loan Balance
- Open the SSS Mobile app
- Log in using your My.SSS credentials (same as website)
- Tap “Loans” from the main menu
- Select your loan type (Salary Loan, Calamity Loan, etc.)
- View your loan balance and payment history
Tip: Enable push notifications to receive reminders about due dates and payment confirmations.
Method 3: Contact SSS Directly
If you prefer speaking with someone or need assistance with your account:
SSS Hotline and Contact Details
| Contact Method | Details |
|---|---|
| SSS Hotline | 1455 (nationwide) |
| usssaptayo@sss.gov.ph | |
| Address | SSS Main Building, East Avenue, Diliman, Quezon City |
Social Media Channels
You can also reach SSS through their official social media accounts:
- Facebook: MYSSSPh
- Instagram: mysssph
- Twitter/X: MYSSSPH
- YouTube: MySSSPH
- TikTok: @mysssph
What to prepare when calling:
- Your SS Number
- Full name
- Date of birth
- Employer name (if employed)
Visit an SSS Branch
If you prefer face-to-face assistance:
- Bring a valid government-issued ID
- Go to any SSS branch
- Request a Loan Statement of Account
- Processing is usually same-day
Understanding Your SSS Loan Statement
Here’s what each section of your loan statement means:
Loan Information Section
| Field | Meaning |
|---|---|
| Loan Date | When your loan was approved |
| Check Amount | Total loan amount granted |
| Monthly Amortization | Your fixed monthly payment |
| Loan Month | When payments started |
| First Monthly Amortization | Due date of first payment |
Balance Breakdown
| Category | Meaning |
|---|---|
| Past Due Principal | Unpaid principal from missed payments |
| Past Due Interest | Interest on unpaid amounts |
| Past Due Penalty | 1% monthly penalty on late payments |
| Current Due | This month’s amortization |
| Amount Not Yet Due | Remaining balance (future payments) |
| Total Amount Obligation | Everything you owe SSS |
Credited Payments
This section lists all payments received by SSS, including:
- Date of payment
- Amount paid
- How it was applied (principal, interest, penalty)
How to Check SSS Loan Payment Posting
Wondering if your payment was posted? Here’s what to know:
Payment Posting Timeline
| Payment Method | Posting Time |
|---|---|
| Employer remittance | 1-2 weeks after payroll |
| Direct payment (bank, GCash) | 2-5 business days |
| Payment centers (Bayad, SM) | 3-7 business days |
What to Do if Payment Not Posted
- Wait a few more days – Posting delays are common, especially during cut-off periods
- Check your receipt – Ensure payment details are correct
- Contact your employer – For salary deductions, verify they’ve remitted to SSS
- File a payment reconciliation – Visit an SSS branch with your payment receipts
How to Dispute Incorrect Balance
If your balance is wrong:
- Gather all payment receipts
- Visit the nearest SSS branch
- Request a payment reconciliation
- Submit copies of your receipts
- SSS will investigate and adjust your records
Tip: Always keep your payment receipts for at least 2 years after your loan is fully paid.
Frequently Asked Questions
How often is SSS loan balance updated online?
Your SSS loan balance is updated in real-time once payments are posted. However, payment posting itself can take 2-7 business days depending on the payment method. Employer remittances may take 1-2 weeks to reflect. Check your balance a week after making payments to allow for processing time.
Why is my payment not reflected in my balance?
Common reasons include: posting delays (normal, wait 3-7 days), incorrect PRN or SS number on payment, employer hasn’t remitted yet, or system maintenance. Keep your receipt and wait a few more days. If still not posted after 2 weeks, contact SSS or file for payment reconciliation at any branch.
Can I get a printed loan statement?
Yes! You can print your loan statement two ways: (1) Log in to My.SSS, view your Statement of Account, then press Ctrl+P to print or save as PDF, or (2) Visit any SSS branch and request a printed Loan Statement of Account—bring a valid ID.
How do I check if my employer is remitting my loan payments?
Log in to My.SSS and go to Inquiry > Loans Info > Statement of Account & Loan Payments. Check the “Credited Payments” section—each employer remittance should appear here with the date and amount. If payments are missing, ask your HR department for proof of remittance.
What is the SSS loan balance inquiry hotline?
The main SSS hotline is 1455 (available nationwide). You can also email usssaptayo@sss.gov.ph for inquiries. Have your SS number ready when calling. Operating hours are Monday to Friday, 7AM to 7PM.
Last Updated: December 2025
Sources: SSS Official Website, SSS Contact Us