How to Pay Your SSS Loan Using GCash

How to Pay Your SSS Loan Using GCash

Learn how to pay your SSS loan using GCash, revolutionizing the way you manage your financial obligations. Discover how to stay on top of your SSS loan payments easily with a seamless and efficient method. Learn how to pay your SSS loan with GCash and dive into the world of hassle-free transactions

Now, you don’t have to go to a bank or an SSS office to pay your SSS loan. With the Real-Time Processing of Loans (RTPL), you can pay your SSS loan using GCash on your mobile phone and save time and effort settling your dues.

A few short-term loans are provided by the Social Security System (SSS) to its members who are in need of financial assistance for personal reasons or in the event of a natural disaster. In addition to the salary loan, SSS has a disaster loan to assist victims of natural disasters in getting back on their feet. In order to avoid accumulating interest and penalties that make it more difficult to repay your SSS loan in the future, make sure to pay your loan well before the due date.

However, the SSS offers loans at a more lenient rate than banks. If you fail to repay your loan and default, the SSS will not send debt collectors to hound you. Legal action will not be threatened against you if you don’t pay off your debt. If you have an unpaid SSS loan, you will not be able to apply for another one. As a result of your retirement, disability, or death, your outstanding loan balance will eventually be deducted from the benefits you or your beneficiaries will receive.

In order to avoid that, you should pay your SSS loan as soon as you can, preferably before the due date. Due to the popularity of online banking and electronic wallet (e-wallet) apps like GCash, you can pay your SSS loan on time. With GCash, you can pay your SSS loan with a few clicks; simply download the app, add money to your wallet, and enter the payment details. Paying your SSS dues doesn’t require you to visit a branch or partner bank.

How to Pay Your SSS Loan Using GCash?

Our goal in this article is to show you how easy it is to pay your SSS loan with GCash. If you want to pay your BDO bills using GCash then read this article.

How to Pay Your SSS Loan Using GCash: Step by step guide

You don’t have a GCash account yet? Read this article to learn how to verify your GCash account. In addition to registering to GCash, you will receive ₱50 worth of freebies after verification and first cash-in.

Launch the GCash app and tap "Pay Bills"

Step 1: Launch the GCash app and tap “Pay Bills”

The first thing you need to do is open the GCash app on your smartphone. Tap the “Pay Bills” icon once you’ve logged in, as shown in the screenshot below.

Step 2: Click “Government”

Now you’re on the “Pay Bills” screen. You’ll be taken to a list of government institutions that accept online payments through GCash under the “Categories” section.

Click “Government”

Step 3: Click on “SSS Loans – RTPL”

In the government institution list, scroll down and tap “SSS Loans – RTPL” (if you don’t know, RTPL stands for Real-Time Processing of Loans).

It may be difficult for you to find “SSS Loans – RTPL,” but you can use the search function at the top.

Click on “SSS Loans – RTPL”

Step 4: Enter the details of your SSS loan payment

This is the most important step of the process – entering your SSS loan payment information. It’s okay, we’ll simplify this process to help you avoid any mistakes.

Enter the details of your SSS loan payment

Please enter the following information in their corresponding fields:

  • PRN – 

You need to enter the payment reference number (PRN) for the loan payment or amortization. If you are logged into My.SSS, you can find your PRN by clicking “PRN – LOANS.” The next section of this article contains more detailed instructions.

  • Account Number – 

You need to enter the account number of your loan. This is not your Social Security number! In your My.SSS account, click “PRN – LOANS” to find your loan account number.

  • Payor Type – 

Most of the time, this should be “Individual.”

  • Country – 

Choose “Philippines” if you live in the Philippines.

  • Amount – 

You will need to enter an exact amount (including centavos). If your loan is consolidated, enter the exact amount.

  • Email Address – 

It is optional to do this. You will receive a notification and receipt via email once you enter your email.

Press “NEXT” when you have entered all the required information.

How to Pay Your SSS Loan Using GCash

Step 5: Verify your payment information

Make sure that all of your payment information is correct. Please double-check the PRN you entered as GCash cannot verify its accuracy. Using the wrong PRN could invalidate the transaction and result in your money being lost.

Click “CONFIRM” once you’ve checked and confirmed your SSS loan payment details.

Verify your payment information

Step 6: Congratulations! Your payment has been successful!

You will receive your SSS loan payment in real time if everything goes according to plan. GCash will send you a text message when that happens. In the text message, it will say, “Your transaction has been processed for SSS Loans – RTPL with fee P0.00 and your payment has been posted in real time.

When you submit your GCash payment, what happens if you encounter an error? Firstly, you can check if your payment was deducted from your GCash balance. In this case, you can try making the payment again as the transaction is likely to have failed if your balance is intact.

If the amount has already been deducted from your GCash balance, then your SSS loan payment was successful. Once the transaction has been successfully completed, you will receive a text message.

How to Get Your SSS Payment Reference Number (PRN)

You must have a payment reference number to pay your SSS loan. You cannot pay your SSS loan with GCash or any other online payment platform without the payment reference number.

It is best to login to your My.SSS account to learn what your PRN is. Click the “PRN – LOANS” link on the navigation menu once you’re logged into your SSS account. On this page, you will find your loans account information.

The “ACTIVE LOAN/S WITH PRN (FOR THE MONTH)” section contains information about your active loan, including:

  • Payment Reference Number (PRN)
  • Loan Type
  • Loan Date
  • Loan Account Number
  • Total Amount of Obligation
  • Amount Due
  • Amount to Be Paid
How to Get Your SSS Payment Reference Number (PRN)

You may also receive your payment reference numbers via email or text message, but if you don’t receive them or lose them, you can access your PRN through the My.SSS portal. Currently, the SSS mobile app only shows PRNs for contributions – not loans – so you’ll need to log in to your My.SSS account via the web.

How to Know if Your SSS Loan Payment Has Been Posted

While SSS loan payments are posted in real time, it may take several hours for you to receive notification that your payment has been posted. Once your payment has been credited to your loan account, you will receive an email from the SSS.

Log into My.SSS and click “PRN – LOANS” on the navigation menu to see if your SSS loan payment has been posted to your account. In the “PAID PRN” section, you should see your successfully posted payments.

How to Know if Your SSS Loan Payment Has Been Posted


The ability to pay your bills online is one of the many benefits of being a GCash user. A great feature of GCash is that it allows you to pay your SSS loan without having to go to a bank or payment center. Using GCash or any online payment platform, you can pay your SSS loan in real-time using the Real-Time Processing of Loans (RTPL) initiative of the SSS. Payments are confirmed instantly, so you don’t have to wait days or weeks to know if your payment was successful.

Therefore, managing your financial commitments in the digital age has never been easier. Our guide on how to pay your SSS loan using GCash offers a convenient and efficient solution that empowers you to handle your obligations with ease. SSS loan payments can be kept on track with this streamlined payment method, and financial transactions can be modernized. Get started today with GCash and discover how to simplify your financial journey with effortless digital transactions.

Contact the SSS hotline 1455 (or 81455 for landline users) or email onlineserviceassistance@sss.gov.ph if you have questions and concerns about your loan billing and payments.

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