Have you received an SSS Loan Voucher and want to make sure it’s legit? You’re not alone — thousands of members get confused, especially when they see vouchers shared on email, Messenger, or screenshots from others claiming they can “help” process loans.
Scammers have learned to imitate real SSS documents, which is why it’s important to know exactly how to check if your SSS voucher is real — and ensure your funds are safe.
This guide will help you understand what a real SSS voucher looks like, where to find it, and how to confirm its authenticity directly through the Social Security System (SSS).
đź’ˇ What Is an SSS Loan Voucher?
An SSS Loan Voucher is an official proof that your SSS Salary Loan or other SSS loan (like Calamity or Maternity Loan) has been approved and released.
It contains your loan amount, release date, transaction or check number, and bank details. You can download or view this voucher only through your My.SSS account or via the official SSS Mobile App.
Here’s how to confirm authenticity safely — step-by-step:
âś… Step 1: Log in to the Official My.SSS Portal
Visit https://member.sss.gov.ph and log in using your SSS credentials. 👉 Never trust links sent through SMS, social media, or email that claim to lead to the portal.
Once logged in:
Go to “Loans” → “Loan Info” → “Disbursement Voucher.”
Choose your loan type (e.g., Salary Loan).
If the voucher appears inside your account, it’s authentic. If it doesn’t appear — and you only got it via email or screenshot — it’s likely fake.
âś… Step 2: Check the Voucher Format
A real SSS voucher has the following elements:
Feature
Description
SSS Logo
Official blue and white logo, clear and not pixelated
Voucher Title
“Social Security System Loan Disbursement Voucher”
Member Details
Name, SSS Number, and Loan Type
Release Information
Check or Transaction No., Release Date, Bank
Amount Section
Gross Amount, Service Charge, Net Amount
QR Code or Barcode (New format)
Found in newer versions for system scanning
Fake vouchers usually:
Have wrong spelling or layout
Miss SSS headers or QR code
Contain inconsistent font sizes
Use random “reference numbers” that don’t match actual SSS formats
âś… Step 3: Cross-check the Transaction Number
Every real voucher includes a Transaction Number or Check Number (for PESONet or UMID release). This is your proof of loan release.
You can verify it by:
Logging in to your My.SSS account
Going to Inquiry → Loans → Loan Status/Info
Checking if the Transaction Number matches the one on your voucher
If the number doesn’t match, it’s fake — or the loan was never released.
🧠Tip: A real transaction number is usually 10 to 12 digits and formatted like: 002589764321 or PNET20251027001
âś… Step 4: Verify Through the SSS Mobile App
You can double-check your voucher in the official SSS Mobile App (available on Google Play and App Store).
Steps:
Log in to your account
Go to Loans → Loan Information → Disbursement Details
Tap your loan to view the same details as your voucher
If both the web portal and app show the same voucher details — congratulations, your voucher is 100% real ✅
âś… Step 5: Beware of Common Voucher Scams
Fraudsters often:
Offer “SSS loan assistance” and send fake vouchers
Ask for your login details or processing fee
Claim they can “expedite” approval using their “connections”
🚨 Warning: SSS does not authorize any third-party agents or fixers to process loans for you. Only you can apply through your My.SSS account.
If someone gives you a voucher before you even apply — it’s a scam.
🧮 How to Know If Your SSS Loan Was Really Released
Sometimes, members see a voucher and assume the money is already credited. Here’s how to confirm your loan was truly disbursed:
Check your bank account or UMID-ATM balance — funds usually appear 1–3 working days after release.
Look for your transaction number in your bank statement (it should match the one on your voucher).
If no credit appears after 3 days, contact your bank with the transaction number.
Still no credit? Email SSS Member Assistance with your voucher copy.
Ensures your loan funds go directly to your account
Helps you confirm your loan term, deductions, and interest are correct
Protects your future SSS benefits (loan defaults or fake entries can affect future claims)
🧮 Estimate Your Loan Before You Apply
Before you even apply, check how much you can borrow. You can use the SSS Salary Loan Calculator to know your possible loan amount and monthly amortization.
This calculator uses the same computation logic as SSS:
Interest: 8% per annum (diminishing balance)
Service Charge: 1%
Maximum: ₱25,000 (1-year) or ₱50,000 (2-year loan)
Eligibility: 36 to 72 contributions, depending on loan type
⚙️ Quick Example of Loan Computation
Let’s say your Average Monthly Salary Credit (AMSC) is ₱15,000:
Loan Type
Computed Loan
Service Charge
Net Proceeds
1-year Loan
₱15,000
₱150
₱14,850
2-year Loan
₱30,000
₱300
₱29,700
Interest and pro-rated deductions apply as per SSS rules.
⚖️ TL;DR — Quick Summary
Only My.SSS and the SSS Mobile App show real vouchers.
Verify by checking the Transaction Number and Loan Info inside your account.
Fake vouchers often come from third-party fixers or have inconsistent formatting.
Always confirm via the official SSS website or app before trusting any voucher.
1. Can I verify a voucher by scanning its QR code?
Yes, new vouchers have QR codes you can scan to verify details in the SSS system. If scanning fails or leads to an unofficial site, it’s fake.
2. I received my voucher through email from someone — is it valid?
No. Only vouchers downloaded from your My.SSS account are official. Avoid vouchers sent via email or social media.
3. How long does it take for funds to appear after voucher release?
Usually 1–3 business days, depending on your bank’s PESONet schedule.
4. Can I get a new copy if I lost my voucher?
Yes. Just log in to My.SSS > Loans > Disbursement Voucher and re-download your voucher.
5. What should I do if my voucher looks real but no money was credited?
Wait 3 working days, then verify with your bank. If still not received, contact SSS Member Assistance and provide your Transaction Number.
✨ Final Thoughts
Your SSS Loan Voucher is your official proof that your loan was approved and released — but scammers can easily copy the design. That’s why the only safe way to confirm authenticity is through the official SSS portal or mobile app.
Never share your SSS login or voucher details with anyone. And before applying, check your estimated loan using the SSS Salary Loan Calculator to plan your repayments wisely.
