Applying for an SSS loan is supposed to be easy, but many Filipinos get frustrated when they see the message: “Your SSS loan application has been disapproved.”
If that happened to you recently, don’t worry — you’re not alone. Every month, thousands of members face this problem due to small, often fixable issues.
In this post, let’s go over the most common reasons why SSS loans get rejected, what each one means, and how you can fix it and reapply successfully.
1. You Have Unpaid or Missed Contributions
One of the top reasons for disapproval is incomplete or missing SSS contributions.
For example, to qualify for the SSS Salary Loan, you need at least 36 posted monthly contributions, with 6 of those within the last 12 months before your application.
How to Fix It:
- Log in to your My.SSS account
- Check your contribution history under Inquiry → Contributions
- If there are missing months, coordinate with your employer or pay voluntarily if you’re self-employed
Make sure your latest payment has already been posted before reapplying.
2. Your Employer Has Not Updated or Remitted Contributions
If you’re employed, your SSS loan application can be rejected even if deductions were made from your salary — especially if your employer failed to remit the contributions on time or didn’t certify your loan online.
How to Fix It:
- Politely ask your HR or employer to check their SSS portal for pending certifications.
- Remind them that the SSS loan must be certified by the employer before it’s processed.
- If they refuse or delay, you can report non-remittance to SSS through their official channels.
3. You Have an Existing or Overdue SSS Loan
If you already have a previous loan that’s unpaid or past due, the system will automatically reject your new loan request. This includes Salary Loans, Calamity Loans, or Emergency Loans.
How to Fix It:
- Check your loan balance under “Inquiry → Loans” on your SSS account.
- If you still have an outstanding balance, pay it off first through SSS-accredited payment centers or your employer.
- After payment is posted, wait around 2 to 3 weeks before reapplying.
4. Your SSS Record Is Incomplete or Mismatched
Sometimes, the issue isn’t about your contributions — it’s about your personal data. Mismatched records like different names, birthdays, or incorrect employer IDs can cause automatic rejection.
How to Fix It:
- File a Member Data Change Request (Form E-5) at any SSS branch.
- Bring supporting documents such as your birth certificate or valid ID.
- Make sure your employer’s details (especially the employer SSS number) are correct.
5. You Recently Changed Employment
If you’ve only been with your new employer for a short time, your SSS loan might be rejected because your new employer hasn’t yet certified your eligibility or updated your employment record.
How to Fix It:
- Wait until your new employer updates your SSS employment record.
- Once updated, reapply through the online portal.
- You can verify your current employer under “Employment History” in your My.SSS account.
6. Your Disbursement Payment Method Is Invalid or Unenrolled
This one has recently become one of the most common causes of SSS loan rejection.
If you see an error that says “Invalid disbursement account” or “No enrolled payment method,” it means your bank or e-wallet account is not properly linked or approved in your SSS Disbursement Account Enrollment Module (DAEM).
How to Fix It:
- Log in to your My.SSS account
- Go to E-Services → Disbursement Account Enrollment Module (DAEM)
- Enroll your bank account or e-wallet (e.g., UnionBank, GCash, DBP, etc.)
- Upload a clear photo of your ATM card, bank statement, or screenshot showing your account name and number
- Wait for SSS to approve your enrolled account (usually 3–7 working days)
- Once approved, reapply for your loan
Pro Tip:
Only use accounts under your own name — third-party accounts or mismatched details will automatically cause rejection.
7. Your Account Type Doesn’t Qualify for a Salary Loan
Some SSS members assume all account types are eligible for loans, but that’s not always the case. For example:
- Pensioners can’t apply for Salary Loans.
- Voluntary members must have consistent payments and a verified employment history.
How to Fix It:
- If you’re voluntary, make sure your account is active and contributions are up to date.
- If you’re a pensioner, you may apply for a Pension Loan Program instead.
8. Technical or System Errors (Yes, It Happens)
Sometimes, your application is rejected not because of a mistake on your end, but due to SSS system maintenance or a technical glitch. This often happens during high-traffic periods, like calamity loan openings.
How to Fix It:
- Try again after 24–48 hours.
- If the issue persists, contact SSS Customer Service at 1455 or email member_relations@sss.gov.ph.
- You can also visit the nearest SSS branch for manual verification.
Blogger’s Corner
If your SSS loan got rejected, don’t panic — 9 times out of 10, it’s fixable.
The most common culprits are missing contributions, unapproved disbursement accounts, or outdated records. Once you correct them, your loan usually gets approved in the next attempt.
SSS may be strict, but it’s also systematic — meet the requirements, keep your records updated, and your loan will go through.