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How to Get a Verification of Pay Letter

Credit worthiness and income are two of the most common ways banks and other lenders determine whether to approve a loan, mortgage or rental. These practices are also used by auto lenders to approve loans and leases, as well as housing managers to determine whether they should rent to you.

How do you as a military retiree, who may not have a traditional paycheck to offer as proof, show you have income? Using your myPay account (https://mypay.dfas.mil) makes it easy.

Verification of Income

Among the common documents creditors will use are pay stubs, tax returns or bank statements, but another avenue is using what is called a “Verification of Pay” letter. The Defense Finance and Accounting Service (DFAS) offers military retirees this option on the myPay platform.

In the left-hand column under the Statements banner is a link for a Verification of Pay Letter.

Clicking on the link will generate an electronic letter in your name, including the home address you have on file, and the monthly gross amount of your military retired pay. The letter will be dated the day of your request and has the official Department of Defense seal and the return address of DFAS.

Sending the Letter

In the upper right hand corner of the letter display is the option to get a “Printer Friendly” version by clicking on the printer icon.

This will open a new popup version that allows for you to either print the letter to give to the bank or send it via postal mail, or if you need to send it electronically via email or by uploading into a website, you can download the letter as an Adobe PDF (Portable Document Format) file. To download the letter, click the icon with the down arrow with the line under it. This should generate a popup allowing you to save the PDF letter to your computer.


Applying for loans or leases requires lots of paperwork. Using myPay to generate a Verification of Pay Letter can make the process easier.

Page updated Sep 28 2022