How to Pay SSS Loan Online: Step-by-Step Guide

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If you’re wondering how to pay an SSS loan online, you aren’t alone. The added convenience and flexibility this gives you compared to paying in person can help reduce stress, and let you avoid penalties for late payments.

SSS offers a variety of loans and payment options. This guide will explain how to pay SSS salary loans online, as well as covering other loan types. It’ll also give an overview of how to use common payment options such as GCash and BPI, to set you up for an easy online payment experience.

We'll also introduce the Wise account, a handy companion to make your money go further with low, transparent fees.

What is an SSS loan and who can pay online?

An SSS loan is offered by the Republic of Philippines Social Security System (SSS) to certain members. Different members may be eligible for one of several loans¹:

• Salary loan
• Pension loan program
• Calamity loan
• Conso loan program
• Option to sell shares of stocks program

Whilst you can pay SSS loans over-the-counter at SSS Tellering counters², most people can also pay online, via the SSS mobile app or SSS website. You may also be able to pay through your bank’s mobile app or website³.

What you need before paying your SSS loan online

Before you can pay your SSS loans, you’ll need a few pieces of information to hand. Firstly, you’ll need an active SS number, which you can find on the MySSS Mobile app⁴. You’ll also need a Payment Reference Number (PRN). Generating a PRN is simple through your My.SSS account⁵:

1. Login to your account
2. Click on Payment Reference Number
3. Click on Loans

Whilst your SS number stays the same for life, you’ll need to generate a new PRN for every contribution and loan payment you make. You can also have a PRN sent to you by email, or get one at an SSS branch.

To pay online, you’ll also need a registered account, internet access, and access to a supported payment channel - more on that later. You’ll use a similar process when paying your regular contributions, here’s a step-by-step guide on how to pay SSS contributions online.

How many months to pay SSS salary loan

Salary loans are paid in 24 equal monthly installments over 2 years⁶. The first payment is due on the last day of the month following the month you take out your loan. For example, this means if you take out a loan at any time in January, you’ll need to make your first payment by the 28th of February. The only exception to this is if the last day of the month falls on a weekend or public holiday, in which case you can pay on the next working day.

It is vital to make loan repayments on time. If you do not, you’ll be subject to a variety of penalties, which could affect both yourself and your loved ones. If, at the end of your loan period, you have not paid it off, the SSS reserves the right to collect the outstanding balance from other benefits that you or your beneficiaries may receive.

This includes final benefits such as pensions and may also affect your ability to get another salary loan. Loans may only be renewed immediately if your final three payments were made within the deadlines.

Whilst you cannot cancel a salary loan, you can repay it early. Once your payments have been made in full - including any penalties and interest - you can settle the loan.

How to pay SSS loan online: Step-by-step

You can pay your SSS loan online through a variety of payment channels. This includes partner banks, E-Wallets, the My.SSS online portal and the SSS mobile app. The steps to pay using each method varies slightly, but generally you’ll need to:

1. Get a PRN
2. Choose an online payment channel
3. Enter the PRN and payment details
4. Complete the payment and save the receipt

Whichever payment channel you choose, you’ll be using it regularly to make your payments, so choose one which will be convenient for you. Read on for specific details for each payment channel.

My.SSS portal

The My.SSS portal has a variety of services, including paying your loan:

1. Log-in to your account
2. Generate a PRN by clicking on Payment Reference Number and then Loans at the top of your screen
3. Follow the on-screen instructions to pay

You can pay using Billeroo on the My.SSS portal

SSS Mobile app

The SSS Mobile app lets you pay your loan through several payment channels.

1. Generate your PRN, either through the app or My.SSS portal
2. Follow on-screen instructions to pay
3. Save your receipt for future reference

Payment channels accepted include:

• GCash
• Maya
• BPI
• Credit/debit card

E-wallets

You can also pay your loans using a variety of e-wallets, including:

• AltPayNet
• Bayad Centre
• GCash
• Maya
• Shopee Pay
• PayRemit

The exact steps to pay will differ depending on the e-wallet you use. Generally, you’ll need to do the following:

1. Generate and save a PRN through the My.SSS portal or SSS mobile app
2. On your e-wallet, go to Pay Bills or similar
3. Follow the on-screen instructions, giving the PRN and payment details
4. Save your receipt for future

Online banking

You can pay your SSS loans using a wide variety of online banks’ websites and mobile apps. See below for the full list.

As with mobile wallets, the exact steps to pay your SSS loan via online banking will depend on the bank you use⁷:

1. Generate a PRN - see instructions above
2. Login to your bank’s website
3. You may need to add a new payee
4. Navigate to Pay Bills or similar
5. Follow on-screen instructions to pay your loan

How to check SSS loan payment and balance

There are a couple of ways to check your SSS loan payment and balance. Once you’ve made a payment, you’ll receive a receipt. You should save this for future reference, so that you always know - and have proof of - what you have paid, and when.

You can also see your transaction history through the SSS mobile app⁸. Go to the My Loans tab to see your current balance and payment history. This is especially important if your employer pays your loans on your behalf.

You can also check through the My.SSS portal. Once you’ve logged in, go to the Inquiry and then Loans info tabs to see your outstanding balance, loan status and payment history.

Paying from abroad? Convert to PHP for SSS loan and other local payments with Wise

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