If you recently applied for an SSS Salary Loan, you’re probably wondering where to find or download your SSS Loan Voucher. Good news — you can do it 100% online through your My.SSS account, without needing to visit any branch.
Whether you’re a first-time borrower or just waiting for your loan to be released, this guide will walk you through everything you need to know about your SSS Loan Voucher — what it is, how to download it, and why it’s important for tracking your loan details.
💡 What Is an SSS Loan Voucher?
An SSS Loan Voucher is an official document issued by the Social Security System (SSS) after your salary loan has been approved. It serves as your proof of loan release — showing important details such as:
Loan amount approved
Service charge (1%)
Pro-rated interest deducted upfront
Net amount credited to your bank or UMID account
Loan release date
Loan term and first amortization month
👉 In short, it’s your receipt and reference document for your SSS Salary Loan.
🏦 When Is the SSS Loan Voucher Released?
You can only download your SSS Loan Voucher after your loan has been approved and released. This means:
✅ You already received an SMS or email from SSS saying your loan proceeds have been credited. ✅ You can now view or download your loan voucher via your My.SSS account.
📲 How to Download Your SSS Loan Voucher Online (Step-by-Step)
Here’s the exact process to view and download your voucher:
Enter your User ID and Password. If you don’t have an account yet, click “Register” to create one — it only takes a few minutes.
Step 3: Go to the ‘Inquiry’ or ‘E-Services’ Tab
Once logged in, go to E-Services → Inquiry → Loans.
Step 4: View Your Salary Loan Details
Click on “Salary Loan”, and you’ll see all your active and previous loans.
Step 5: Click the Loan Reference Number (LRN)
Your LRN is a unique code for your approved loan. Click it to open your loan details.
Step 6: Download the SSS Loan Voucher
Once opened, you’ll see a Download / Print Voucher option. Click it — and your SSS Loan Voucher (PDF format) will be saved or printed.
That’s it! You now have your official SSS Loan Voucher ready for record-keeping.
🧮 Understanding the Details in Your SSS Loan Voucher
Your loan voucher shows key figures that can look confusing at first. Here’s what each part means:
Field
Description
Loan Amount
The total amount approved by SSS before deductions
Service Fee (1%)
Deducted upfront from your approved loan
Pro-Rated Interest
Interest charged from loan approval date to the end of the next month
Net Proceeds
Actual amount credited to your bank account
Release Date
Date your loan was approved and credited
Term
24 months (2 years) or 12 months (1 year)
First Amortization Due
Month when your first salary deduction begins
💡 Example:
If you borrowed ₱20,000 approved on March 12, 2025, you’ll see deductions like:
1% service charge → ₱200
Pro-rated interest (50 days × ₱4.38/day) → ₱219.18
✅ Net loan proceeds = ₱19,580.82 credited to your bank account.
💰 Use the SSS Salary Loan Calculator Before Applying
Before you even apply, you can estimate your loan amount, deductions, and monthly amortization using the SSS Salary Loan Calculator.
This helps you:
Check if you qualify based on your Monthly Salary Credit (MSC)
Know how much you can borrow
Plan your repayment better
It’s fast, free, and based on actual SSS formulas (8% interest per year).
⚙️ SSS Salary Loan Computation (Explained)
SSS loans are computed based on your Average Monthly Salary Credit (AMSC):
For 1-Year Loan
36 total posted contributions
At least 6 contributions in the last 12 months
Loan amount = 1 × AMSC (max ₱25,000)
For 2-Year Loan
72 total posted contributions
At least 6 contributions in the last 12 months
Loan amount = 2 × AMSC (max ₱50,000)
Additional Deductions
Deduction
Rate
Notes
Service Fee
1%
Deducted from approved loan
Interest Rate
8% p.a.
Based on diminishing balance
Penalty
1%/month
On delayed payments
Example Computation:
If your AMSC = ₱10,000, you can borrow up to ₱20,000 (for a 2-year loan). Interest is charged 8% yearly on the remaining balance.
🧾 Why Your Loan Voucher Is Important
Your SSS Loan Voucher is more than just a receipt — it’s a legal record showing:
The exact loan amount credited to you
How much SSS deducted for fees and interest
When your first amortization starts
Your reference if issues arise (e.g., wrong amount credited)
Keep a copy (PDF or printed) — especially if you’re employed, since it helps you verify if your employer’s salary deductions match your SSS records.
🔁 How to Re-Download or Print Again
If you lost your file, you can always log in again to My.SSS:
Go to E-Services → Inquiry → Loans
Click your Loan Reference Number
Choose Print / Download Voucher
You can download multiple times — there’s no limit or expiration.
⚠️ Common Issues When Downloading SSS Loan Voucher
Problem
Possible Cause
Fix
Voucher not appearing
Loan not yet released
Wait for 1–2 days after crediting
“No record found”
Loan still under processing
Check again after 24 hours
PDF won’t open
Browser blocked pop-ups
Allow pop-ups for SSS website
Wrong or missing figures
System error
Call SSS Hotline (1455) or visit nearest branch
🧍♀️ TL;DR: Quick Summary
Here’s a short version for busy readers:
✅ SSS Loan Voucher = Proof of your approved salary loan release ✅ Can be downloaded via My.SSS → E-Services → Loans → Salary Loan → Voucher ✅ Contains details of loan amount, deductions, and release date ✅ Needed for verification, repayment, and recordkeeping ✅ Check eligibility using the SSS Salary Loan Calculator
🧠 FAQs About SSS Loan Voucher
1️⃣ What is the SSS loan voucher used for?
It’s your official proof of loan release — showing how much SSS credited to your account and when.
2️⃣ When can I download my SSS loan voucher?
After receiving the SMS or email confirming that your loan proceeds were released.
3️⃣ Can I download the loan voucher using my phone?
Yes! The My.SSS website works on mobile browsers — just make sure to enable pop-ups.
4️⃣ I lost my copy — can I reprint it?
Yes. Log in again, go to your loan details, and click Print/Download Voucher.
5️⃣ What should I do if my voucher shows the wrong amount?
Your SSS Loan Voucher is a small document with big importance. Always download and keep it as soon as your loan is released — it’s your record of transparency and accountability with SSS.
Before applying again or renewing your loan, try the SSS Salary Loan Calculator to check how much you can qualify for and what your next loan cycle might look like.
With the My.SSS system now online, you don’t need to line up at branches — all your loan records, payments, and vouchers are just a few clicks away.
