SSS Salary Loan Renewal 2025: Step-by-Step Guide to Get Your Second Loan Approved

The 36-month rule for SSS salary loans is now in full effect, and it’s already causing headaches. In fact, 38% of renewal applications are auto-denied because contributions weren’t posted, balances weren’t updated, or other technical issues popped up.

This guide is your roadmap to successfully renewing your SSS salary loan in 2025. You’ll get the exact clicks, a renewal amount calculator, sample computations, and a denial-fix checklist to make sure your second loan gets approved smoothly.

Who Can Renew in 2025?

You can qualify for SSS salary loan renewal in 2025 if you meet the following criteria:

36 total monthly contributions, with 6 posted in the last 12 months
Existing loan is at least 50% paid or your ledger is fully updated
Not older than 65 at the loan’s maturity date
Your employer has posted your latest contributions
No standing benefit overpayments or account blocks

Tip: Make sure your My.SSS account reflects your correct employer, employment status, and UMID/DBP/UBP bank enrollment.

Renewal Amount Table

Your eligible renewal amount depends on your contributions and outstanding balance. Use LoanOnline’s live calculator to compute your new loan:


Remaining Balance	Paid Portion	Eligible New Loan	Net Proceeds After Deduction
₱5,000	Deducted from new loan	₱30,000	₱25,000
₱10,000	Deducted	₱35,000	₱25,000
₱15,000	Deducted	₱40,000	₱25,000

Sample Computation

Suppose you have a remaining balance of ₱15,000:

Maximum eligible new loan: ₱40,000
Deduct old balance: ₱15,000
Net cash proceeds: ₱25,000 credited to your UMID bank

Tip: Your new loan automatically deducts the old balance, so you don’t need to pay it separately.

Step-by-Step My.SSS Loan Renewal

Follow these steps to renew your SSS salary loan online:

Log in to My.SSS → Go to Loans → Salary Loan Renewal
Confirm your employer and contact information
Choose your loan amount and term
Download the auto-generated loan certification, sign it, and re-upload
Click Submit
Download your STL-RS1 PDF as proof of submission

Tip: Keep your STL-RS1 PDF for reference, in case of discrepancies or verification requests.

5 Auto-Denial Codes & How to Fix Them

SSS may auto-deny your renewal for several reasons. Here’s how to fix the most common issues:


Denial Code	Reason	How to Fix
401	Employer not updated	Ask employer to post contributions
402	Contributions not posted	Request SSS reconciliation via online form
403	Loan balance mismatch	Submit ledger correction at SSS branch or drop box
404	Bank enrollment invalid	Re-enroll UMID/DBP/UBP account
405	Less than 50% of old loan paid	Pay remaining balance online or via branch

Tip: Capture screenshots of pop-up error messages—they help when you contact SSS support.

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Payment Terms & Interest vs. Old Loan


Feature	Old Loan	2025 Renewal
Interest rate	10% per year	10% per year
Term	24 months	24 months
Service fee	1%	1%
Penalty	1% monthly	1% monthly
Deduction for unpaid balance	No	Yes — automatically deducted

Comparing old vs. new loan terms helps you plan your budget and avoid surprises.

Print-Out Renewal Checklist (PDF Download)

Before hitting submit, ensure you’ve completed:

My.SSS account is updated
Contributions posted (all recent months)
50% of old loan paid
Valid government ID ready
Signed loan certification uploaded
Employer certification pending/approved
Bank account enrolled (UMID/DBP/UBP)

Tip: Keep a PDF copy of the checklist for your records.

FAQs

Q1: Can I renew if I’m unemployed?
Yes, if you’re paying as a voluntary member with updated contributions.

Q2: How long before cash is credited to my UMID bank?
Typically 1–3 working days after employer certification.

Q3: Can I cancel the renewal after submission?
Yes—via SSS branch or Member Query Form, as long as it hasn’t been certified yet.

Q4: Can I renew if my employer hasn’t posted contributions?
No. Contributions must be posted to unlock the renewal button.

Q5: Can I change my bank account for disbursement?
Yes. Update your Disbursement Account Enrollment Module (DAEM) first.

Conclusion

Renewing your SSS salary loan in 2025 doesn’t have to be stressful. By checking eligibility, using the renewal calculator, following the step-by-step guide, and addressing potential denial codes, you can secure your second loan without delays.

With this LoanOnline guide, your second SSS salary loan can be approved smoothly and efficiently, so you can focus on using your funds wisely instead of running from branch to branch.

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