What you Should Know About SSS PRN for Loans


SSS PRN for Loans mandatory implementation will be done starting April 1, 2021.

This mandatory use of Payment Reference Number (PRN) for loan payment from the employer and individual borrower for Real-Time processing will be covering the applicable month of March 2021.

The purpose of the PRN is to facilitate the immediate and correct posting of SSS loan payments to the account of the member-borrower.

Where and How to Get PRN for Loan Payment

The loan billing statement with PRN for employers and individual members is available through:

  • SMS or email notification through the Employer’s/Member’s registered mobile number number or email address.
  • SSS registered account or particular member/employer
  • PRN Loans Inquiry over-the-counter or through SSS e-Service Centers
  • Self-service Express Terminals (SETs) at SSS Branches

Process Flow for PRN Loan Payments

Please see below the PRN Loans process flow for the employer and individual members:

  1. SSS will Generate the loan billing statement with PRN every 1st to 6th day of the month.
  2. SSS sends loan billing statements with PRN to Employers (ER) and Individual Members (IM) via email and SMS.
  3.  A. Individual Member views or modify the amount to be paid in the statement with PRN through their my.SSS account.

B. Employer (ER) views, downloads, or edits billing statement or Loan Collection List (LCL) with PRN through their My. SSS account (may also do Editing offline).

  1. The employer submits the electronic LCL with PRN through the My.SSS account.
  2. Individual Member uses the statement with PRN to pay their loan amortization at any SSS payment centers or channel.
  3.  A. The individual Member loan payment is posted in real-time to the Member’s loan account.

B. Posting of the Employer loan payments of individual employee loan accounts via an end-of-a-day batch process.

  1. SSS sends notifications of payment posting through SMS to Employer and Individual members.

How to Change Loan Amount to be Paid?

Below are the options in making any changes in the loan amount to be paid:

For Employers
  • Employer’s My.SSS account-for adding employees or editing the amount to be paid in the Loans Collection List (LCL).
    • Removing separated employees from the employer’s LCL must be done by submitting R1-A, or the amount to be paid for that separated Employee may be made to zero (0).
For Individual Members
  • Member’s My.SSS account
  • Over-the-counter and SSS Branch’s e-Service Centers

Payment Centers for SSS Loan Payments using PRN

The following will accept SSS loan payments using PRN:

  • SSS Branches with Automated Teller Machines
  • RTPL-compliant SSS Collecting Partners (Banks and Non-Banks)
  • Local Banks (for employers, through Bancnet’s eGov facility
      • Asia United Bank (local)
      • Bank of Commerce
      • China Bank Corporation
      • CTBC Bank
      • Metropolitan Bank and Trust Company
      • Mitsubishi UFJ Financial group
      • Philippine bank of Communication
      • Philippine National Bank (local)
      • Rizal Commercial Banking Corporation
      • Robinsons Bank
      • Standard Chartered bank
    • United Coconut Planters Bank
  • Local Banks (for both individual members and employers)
      • Security Bank Corporation
      • Union Bank of the Philippines
  • International Bank
    • Philippine National Bank (foreign)
    • More collecting partners are currently undergoing system enhancement and testing to become RTPL-complaint.

What to Present in Paying Loans with PRN

The payee can present the following in making loan payments with PRN:

  • Printed PRN Loan Statement Account with a bar code
  • Downloaded or Screenshot PRN SOA with a bar code
  • SMS from SSS of Loans PRN

Important Dates to Remember 

  • March 31, 2021-last day of acceptance of non-PRN loan payments
  • April 1, 2021-Start of mandatory use of PRN for loan payments starting with the applicable month of January 2021.

In cases of downtime/offline at the SSS branches, PRN loan payments still accepted (provided that the payment amount is equal to the PRN billing notice presented).

Employers are still required to submit the LCL through the branches using the LCL-MS Excel file.

For inquiries, you may contact your nearest SSS Branch.

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