Can I Request Another Copy of My SSS Loan Voucher?

Have you ever deleted or misplaced your SSS Salary Loan voucher and started to panic, thinking you might not get your loan anymore? Don’t worry — you’re not alone. Many SSS members face the same issue after their loan is approved. The good news is: Yes, you can request another copy of your SSS loan voucher.

This guide will show you exactly how to retrieve or request a new SSS loan voucher, how it works, why it’s important, and what to do next to ensure your loan processing goes smoothly.

🏦 What Is an SSS Loan Voucher?

Your SSS loan voucher is an official document that contains your loan approval details, such as:

Approved loan amount
Date of approval
Pro-rated interest and service charge
Disbursement date
Amount credited to your bank account (or check)

Essentially, it’s your proof that SSS approved and released your loan. It also helps you track your deductions, amortization, and reference if any discrepancy arises later on.

💡 Why the Loan Voucher Matters

If you’ve lost or deleted your SSS loan voucher, you might think it’s just another email. But this small document plays a big role in your records. Here’s why it’s important:

Proof of Approval: It confirms that SSS has approved and processed your loan.
Disbursement Record: It contains the exact amount you’ll receive after deductions.
Reference for Amortization: It’s needed to match your first monthly payment schedule.
Employer Reference: Some employers may request the voucher for internal payroll documentation.

If you don’t have it, you might find it harder to track your amortization schedule or verify your loan release.

🔍 How to Request Another Copy of Your SSS Loan Voucher

If your email copy is lost or deleted, there are several ways to get another one:

🖥️ Option 1: Log In to Your My.SSS Account

Go to: https://www.sss.gov.ph
Click “Member Login.”
Enter your User ID and Password.
On the dashboard, go to “E-Services.”
Select “Inquiry” → “Loans” → “Loan Info.”
Choose Salary Loan from the list.
You’ll see your loan details and reference number.
Click “Print Loan Voucher” or “Download PDF.”

💡 Tip: Save the file on both your phone and email for backup.

📱 Option 2: Use the SSS Mobile App

Download the SSS Mobile App from Google Play or the App Store.
Log in using your SSS credentials.
Tap “Loans.”
Select “Salary Loan.”
You’ll see your approved loan details — tap “Download Voucher.”

This is the fastest way to retrieve it, especially if you’re always on mobile.

📨 Option 3: Request via Email or Branch Visit

If you can’t access your My.SSS account or mobile app:

Email: Send a message to member_relations@sss.gov.ph
Include:
- Full name (as registered with SSS)
- SSS number
- Date of birth
- Loan type (Salary Loan)
- Request: “Kindly resend my SSS loan voucher copy.”
Branch Visit:
You can also visit your nearest SSS branch and request a printed copy. Bring:
- One (1) valid ID
- Your SSS number
- Email or cellphone number on record

They’ll print or resend it to your registered email.

📋 Understanding What’s Inside the Loan Voucher

Before moving on, let’s break down what each section means:

Field	Description
Loan Amount Approved	The total salary loan granted by SSS before deductions
Service Charge (1%)	Deducted immediately upon loan release
Pro-rated Interest	Interest charged from approval date to end of following month
Net Proceeds	The amount credited to your bank account
First Amortization Due Date	The start of your monthly repayment
Loan Term	12 or 24 months depending on your loan type

🧮 How Much Loan Can You Get? (With Example)

Your SSS Salary Loan depends on your Average Monthly Salary Credit (AMSC).

💰 1-Year Loan

Up to ₱25,000 or 1 month of AMSC, whichever is lower
Requires at least 36 contributions, with 6 posted in the last 12 months

💰 2-Year Loan

Up to ₱50,000 or 2 months of AMSC, whichever is lower
Requires at least 72 contributions, with 6 posted in the last 12 months

To check how much you can borrow, use the SSS Salary Loan Calculator — a free tool that helps estimate your eligible loan amount and monthly amortization.

📆 Sample Computation

Let’s say your average monthly salary is ₱15,000 and you’re applying for a 2-year loan.

Item	Amount
Loan Amount	₱30,000 (2 × ₱15,000)
Service Charge (1%)	₱300
Pro-rated Interest	₱219.18 (from example below)
Net Proceeds	₱29,480.82 credited to your bank

Interest is 8% per year on the diminishing balance, meaning you only pay interest on the remaining amount every month.

🧾 Example of Pro-rated Interest

Scenario:
Loan approved: ₱20,000 on March 12, 2025
Interest: 8% per annum

Days covered: 50 days (20 in March + 30 in April)
Annual interest: ₱1,600 (8% of ₱20,000)
Daily interest: ₱1,600 ÷ 365 = ₱4.38/day
Total interest: ₱4.38 × 50 = ₱219.18

This ₱219.18 is deducted upfront before the loan is released.

🔁 What If You Want to Reprint or Download Again?

If you already had a copy but lost it later, just log in again. You can:

Print multiple copies
Save as PDF
Take screenshots for your records

Remember: Your voucher never expires — it’s always available on your SSS account history.

⚠️ Common Issues When Retrieving the Voucher

Problem	Possible Cause	Solution
Can’t log in to My.SSS	Wrong password or inactive account	Reset via “Forgot Password” option
Voucher not showing	Loan not yet approved	Wait for SSS email notification
Blank PDF	Browser issue	Try another browser or download directly from the app
Mismatched amount	Updated service charge or penalty applied	Check the latest entry in your loan info

🧩 How Loan Repayment Works

Once released, your SSS Salary Loan is repaid through monthly salary deductions (for employed members) or voluntary payment (for self-employed).

Interest rate: 8% per year on diminishing balance
Late penalty: 1% per month
Early repayment: No penalty
Default: SSS may deduct from future benefits (like maternity or retirement claims)

💬 Quick TL;DR Summary

If you lost your SSS Loan Voucher, don’t panic.
✅ Log in to your My.SSS account or SSS Mobile App to reprint or download.
✅ You can also email or visit an SSS branch for a copy.
✅ The voucher is important because it serves as proof of approval and helps you track deductions.

❓ Frequently Asked Questions (FAQs)

1. Can I still receive my loan if I lost my voucher?

Yes! The voucher is only a record — your loan will still be credited to your bank once approved.

2. How long before SSS releases the loan after approval?

Usually 1 to 3 working days, depending on your bank’s processing time.

3. Can I get a printed copy of the voucher at the SSS branch?

Yes. Bring one valid ID and your SSS number to request a printed copy.

4. Can I access my voucher anytime?

Yes. You can reprint or download it anytime via your My.SSS account.

5. Is there a fee for requesting another copy?

No. SSS provides it free of charge — online or in-branch.

✨ Final Thoughts

Losing your SSS Loan Voucher isn’t the end of the world — it happens to many members. What’s important is that you know how to retrieve or re-request a copy anytime.

To stay financially informed, always monitor your loan balance and amortization schedule. If you’re planning to apply again or check your next eligibility, you can use the SSS Salary Loan Calculator to estimate your loanable amount and monthly payments.

Can I Request Another Copy of My SSS Loan Voucher?