Can I Get My SSS Loan Voucher Through the SSS Mobile App?
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Can I Get My SSS Loan Voucher Through the SSS Mobile App?
When your SSS Salary Loan is approved, one of the first things you’ll want to see is your SSS Loan Voucher — that digital receipt showing the loan amount, deductions, and where the money was sent.
Many members now ask: “Can I view or download my SSS loan voucher using the SSS Mobile App?”
The short answer: Yes — but with a few important details to know. This guide explains how to view your voucher step-by-step, what information it contains, and how to double-check everything through the My.SSS Portal and SSS Mobile App.
💡 What Is an SSS Loan Voucher?
An SSS Loan Voucher is an official document generated once your salary loan is approved. It summarizes all details of your loan, including:
Approved amount – your final loan amount after deductions.
Net amount credited – what’s actually deposited to your bank or e-wallet.
Interest and service charge – fees deducted upfront.
Approval and release date – when your loan was processed and credited.
Loan account number (LAN) – used for payment tracking.
Think of it as your proof of loan disbursement, similar to an ATM receipt but with more detailed breakdowns.
📱 Can You Get the Loan Voucher Using the SSS Mobile App?
Yes — you can view your loan voucher through the SSS Mobile App, but note that downloading the full voucher (PDF copy) is still done via the My.SSS web portal.
Here’s the breakdown:
🔹 Option 1: View on SSS Mobile App
Open the SSS Mobile App and log in using your My.SSS credentials.
Tap “Loans” on the main menu.
Choose “Salary Loan” from your list of loans.
You’ll see loan details like approved amount, release date, and status.
While this shows the essential info, the app doesn’t always display the full voucher layout (with the complete breakdown of deductions).
🔹 Option 2: Download on My.SSS Web Portal
For the full document, use a browser (mobile or desktop):
Your voucher will appear in PDF format — ready to download or print.
🧾 What’s Inside Your SSS Loan Voucher?
Here’s what each section of the voucher means:
Field
Description
Loan Type
Salary Loan, Calamity Loan, etc.
Loan Account Number
Reference number for your loan payments
Approval Date
When SSS approved the loan
Check/Disbursement Date
When the funds were released
Gross Amount
Total loan amount approved
Service Fee (1%)
Deducted automatically
Pro-rated Interest
Covers interest before regular payments start
Net Proceeds
Final amount credited to your bank/e-wallet
You can verify that this matches the amount credited to your UMID-ATM, PESONet-linked bank account, or UnionBank QuickCard.
🧮 How to Check If Your Voucher Details Are Correct
When you receive your SSS Loan Voucher, always double-check the following:
Account name and SSS number – must match your registered information.
Loan amount and deductions – make sure service fee (1%) and pro-rated interest are reasonable.
Release date – funds usually arrive within 3–5 working days.
Loan type – ensure it says Salary Loan, not Calamity or Emergency Loan.
If something seems off, you can file an inquiry via SSS Member Portal > Message Box > Submit a Query.
💰 Understanding SSS Salary Loan Computation
Your loan amount depends on your Average Monthly Salary Credit (AMSC) and your contribution history.
✅ Basic Computation Rules
1-year loan: Up to 1× AMSC or ₱25,000 (whichever is lower).
2-year loan: Up to 2× AMSC or ₱50,000 (whichever is lower).
Interest: 8% per annum, based on the diminishing balance.
Service charge: 1% of the approved amount.
Loan term: 12 months (1-year) or 24 months (2-year).
📘 Example
If your AMSC is ₱20,000 and you apply for a 2-year loan:
Gross amount = ₱40,000
Service fee (1%) = ₱400
Pro-rated interest (approx.) = ₱219.18
Net credited: ₱39,380.82
🧠 Tip: Use the SSS Salary Loan Calculator
To quickly estimate how much you can borrow and your monthly amortization, use this free tool: 👉 SSS Salary Loan Calculator
It helps you:
Estimate your loan amount based on your AMSC.
Check your potential take-home amount after deductions.
Compute your monthly payment and total interest.
🪙 Understanding Pro-Rated Interest and Deductions
When your loan is approved, SSS charges interest upfront from the date of approval until the end of the following month. This ensures you only pay for the exact number of days before amortization starts.
🧮 Example
If your ₱20,000 loan was approved on March 12, 2025, SSS counts:
👉 That ₱219.18 is deducted upfront. Your amortization starts the following month (May 2025).
🧾 When to Expect Your Loan Voucher and Credit
Step
Timeline
What Happens
Application Submitted
Day 0
You apply via My.SSS or employer submission
Loan Processing
1–3 days
SSS verifies eligibility
Approval
Day 3–5
Voucher generated and visible online
Fund Release
Day 5–7
Credited to bank/e-wallet
Amortization Start
Next month
Payment starts via payroll deduction
You’ll know your loan is approved once the “Loan Status” in the app shows “Approved/Released” and the voucher becomes viewable.
🔔 Common Issues When Checking Your Loan Voucher
Problem
Possible Reason
Solution
Can’t find voucher
SSS still processing
Wait 2–3 working days
App error or blank screen
Cache issue
Clear cache or reinstall app
Wrong bank credited
Outdated disbursement account
Update bank info via My.SSS
Missing deductions
System delay
Verify after 24 hours
No access to PDF
Mobile App limitation
Log in via web portal
💡 Pro Tip for Members on Maternity Leave
Even if you’re on maternity leave, you can still apply for a Salary Loan as long as:
You have at least 36 (for 1-year) or 72 (for 2-year) contributions.
You are an active member (employed, voluntary, or self-employed).
You have no existing overdue loan.
You may apply online, and once approved, view the loan voucher either through:
SSS Mobile App (view mode)
My.SSS Web Portal (PDF download)
⚙️ Repayment and Renewal Rules
Interest rate: 8% per year, based on the diminishing balance.
Late payment penalty: 1% per month.
Service charge: 1% of approved amount, deducted upfront.
Early repayment: Allowed anytime without penalty.
Renewal: Only after paying at least 50% of your previous loan term.
If you previously availed penalty condonation within 5 years, renewal loans may have 10% interest per annum.
💬 TL;DR (Summary)
If you want to view your SSS Loan Voucher via the SSS Mobile App, yes, you can! However, for a complete copy (PDF format), log in to your My.SSS web account.
Who can apply:
Members with 36 or more contributions (1-year loan) or 72 (2-year loan).
1️⃣ Can I download my SSS loan voucher directly from the mobile app?
No, you can view it on the app but must log in to the My.SSS web portal to download the PDF version.
2️⃣ How soon after approval will the loan voucher appear?
Usually within 1–3 working days after your loan is approved.
3️⃣ Can I print my SSS loan voucher?
Yes — once downloaded via the My.SSS portal, you can print it for personal records or HR submission.
4️⃣ My loan is approved but I can’t see the voucher yet. What should I do?
Wait at least 24–48 hours; if still missing, contact SSS through the Message Box in your My.SSS account.
5️⃣ What if the app doesn’t show my loan status correctly?
Clear your app cache or reinstall the SSS Mobile App. You can always verify loan details on the web portal.
🏁 Final Thoughts
The SSS Mobile App makes it convenient to check your loan status anytime, anywhere. But remember: for official records and downloads, the My.SSS web portal remains the main source of your loan voucher.
Understanding your voucher details — from gross amount to deductions — helps you verify that you received the correct amount and that your SSS Salary Loan was processed accurately.
So before spending your loan proceeds, take a few minutes to check your voucher details, verify your deductions, and plan your repayment.
