Two SSI Checks in August 2025—Can You Use Them for Auto Loan Payments

In August 2025, millions of Americans who get Supplemental Security Income (SSI) will see something unusual: they will receive two SSI payments in one month.

While it may look like a bonus or an increase in benefits, this is actually due to the payment schedule set by the Social Security Administration (SSA).
 

What Causes the Double Payment in August?

SSI payments are usually given out on the first of every month. If the first falls on a weekend or a federal holiday, the payment is made on the previous business day.

In 2025, because September 1 is Labor Day (a Monday and a federal holiday), the SSI payment for September will be issued on the last business day of August, which is Friday, August 29. This means beneficiaries will get one check on August 1 for August, and another on August 29 for September.

This is not a case of receiving extra money; it's simply the September payment being issued early due to the holiday. The SSA assures that this is a normal part of their payment scheduling, and not an additional benefit.
 

Managing Finances with Two Payments in One Month

It’s important for recipients to budget carefully as these two checks come in the same month. Since there will be no SSI payment in September, planning how to allocate funds for that month is crucial.

Financial experts suggest treating the second payment in August as if it were received in September to prevent financial difficulties.
 

History of Similar Occurrences

This is not the first time such a scheduling change has happened in 2025. Earlier in May, SSI beneficiaries received their June payments early as June 1 fell on a weekend.

This adjustment only applies to SSI and not to Social Security retirement or disability benefits, which are paid based on the recipient's birthdate.

For specific payment dates or concerns about payment adjustments, the SSA recommends beneficiaries contact their office or check the official SSA website.
 

Can I Use SSI to Make Auto Loan Payments?

Yes, you can use SSI benefits to make auto loan payments. SSI is intended to help cover essential needs such as food, clothing, and shelter, but how you use the money once it has been disbursed is up to you.

If owning a car is essential for transportation to work, medical appointments, or other necessary destinations, then it is reasonable to use SSI funds to make auto loan payments.

However, it’s important to ensure that all other basic necessities are met first before allocating SSI funds to such expenses.
 

Summary

Receiving two SSI payments in August rather than one is due to a scheduled shift because of a federal holiday, not an extra benefit.

Beneficiaries should plan accordingly by considering the second August payment as their September living expenses. SSI funds can also be utilized for essential expenses like auto loan payments, assuming other basic needs are already covered.

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