How Do I View the SSS Loan Voucher in the My.SSS Portal?
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How Do I View the SSS Loan Voucher in the My.SSS Portal?
🧩 Introduction: The “Missing Voucher” Mystery Many Members Face
Have you recently been approved for an SSS Salary Loan but can’t seem to find your loan voucher inside your My.SSS account? You’re not alone — many members get confused about where exactly to view or download it after receiving their approval text or email.
Your SSS loan voucher is a vital record that shows your approved amount, deductions, and disbursement date. In short, it’s your proof that the loan was officially released by SSS.
In this blog, we’ll show you step-by-step how to view your voucher, understand what the details mean, and what to do if it’s not appearing in your My.SSS portal.
But before that, let’s quickly review what the SSS Salary Loan is — and why it matters for thousands of working Filipinos.
💼 What Is an SSS Salary Loan?
An SSS Salary Loan is a short-term cash loan offered to active SSS members. It’s designed to help with emergency needs — whether you’re a regular employee, self-employed, or voluntary member.
The loan amount depends on your Average Monthly Salary Credit (AMSC) and your total number of posted contributions. The more consistent your payments, the higher your eligible loan.
Here’s a quick overview:
Loan Type
Requirements
Maximum Loanable Amount
1-Year Loan
36 posted contributions, with at least 6 within the last 12 months
Up to 1 month of AMSC or ₱25,000
2-Year Loan
72 posted contributions, with at least 6 within the last 12 months
Up to 2× AMSC or ₱50,000
To estimate how much you can borrow, use the official SSS Salary Loan Calculator — it shows your estimated loan amount, deductions, and monthly payments.
📜 What Is the SSS Loan Voucher?
The SSS Loan Voucher (or Loan Disbursement Voucher) is the document that summarizes the final loan details approved and released by SSS.
It includes:
Loan reference number
Type of loan (Salary Loan)
Gross amount approved
Service charge (1%)
Pro-rated interest (deducted upfront)
Net proceeds (the amount credited to your bank)
Date of credit/disbursement
This voucher is your official proof of release — think of it like a receipt or payslip for your loan. Without it, you won’t know the exact deductions or when your amortization schedule starts.
💻 How to View Your SSS Loan Voucher in the My.SSS Portal
Here’s the complete step-by-step process to find your SSS Loan Voucher online.
🔹 Step 1: Log in to Your My.SSS Account
Go to https://www.sss.gov.ph, then click “Member Login”. Enter your User ID and Password.
💡 Tip: If you haven’t registered yet, click “Register” to create your account using your CRN or SSS number.
🔹 Step 2: Go to E-Services → Inquiry
Once you’re logged in, hover over the E-Services tab and select Inquiry.
🔹 Step 3: Open the “Loans Info” Section
From the Inquiry page, click on “Loans Info.” This section lists all your loan applications (Salary Loan, Calamity Loan, etc.).
🔹 Step 4: Click “Salary Loan”
Under Loans Info, click on your latest Salary Loan entry. You’ll see the loan details, approval status, and disbursement record.
🔹 Step 5: Look for “Disbursement Voucher” or “Loan Details”
In your Salary Loan details page, find the link that says:
📄 View Disbursement Voucher or Loan Proceeds Details
Click it to open your official loan voucher in PDF format.
🔹 Step 6: Download or Screenshot the Voucher
Once it appears, download or screenshot it for safekeeping. This file will show:
Loan reference number
Date of approval
Deductions (service fee and interest)
Net proceeds
Date credited to your bank or UMID-ATM
📱 Viewing Your SSS Loan Voucher via the SSS Mobile App
If you’re using a smartphone, you can also view your loan details through the SSS Mobile App.
Here’s how:
Log in to the SSS Mobile App.
Tap Loans → Loan Information.
Select your most recent loan.
Scroll to see the Loan Details and Disbursement Date.
📌 Note: Some app versions may not show the full voucher file, but you’ll still see your loan amount, approval date, and credit date.
💡 What You’ll See on Your Loan Voucher
Here’s what each part of your SSS loan voucher means:
Field
Description
Loan Type
Type of loan (Salary Loan)
Loan Reference No.
Your unique transaction ID
Loan Amount Approved
Gross loan amount based on your AMSC
Service Fee (1%)
Automatically deducted by SSS
Pro-Rated Interest
Interest from approval date to the next full month
Net Proceeds
Final amount credited to your bank
Disbursement Date
Date the loan was released
Monthly Amortization
Amount due every month starting 2 months after release
📊 Example: How the Voucher Amount Is Computed
Let’s say your ₱20,000 SSS Salary Loan was approved on March 12, 2025.
According to SSS loan rules:
Interest Rate: 8% per annum
Service Fee: 1%
Pro-Rated Interest: Charged upfront for the partial month plus the next full month
Step-by-Step Example:
Service Fee = ₱20,000 × 1% = ₱200
Pro-Rated Interest:
Days covered: March 12–31 (20 days) + April (30 days) = 50 days
Annual interest: ₱20,000 × 8% = ₱1,600/year
Daily interest = ₱1,600 ÷ 365 = ₱4.38/day
50 days × ₱4.38 = ₱219.18
Net Proceeds = ₱20,000 − ₱200 − ₱219.18 = ₱19,580.82
This is exactly what you’ll see on your loan voucher as your “Net Proceeds.”
🧮 Estimate Your Loan with the SSS Salary Loan Calculator
This helps you plan your finances before submitting your next application.
📅 When Will the Loan Be Released?
After approval, your loan proceeds are typically credited within 3–5 working days to your:
UMID-ATM, or
PESONet-accredited bank account (as registered in My.SSS)
Once the credit is complete, your voucher date will appear in the system — usually the same day the funds are released.
💰 Loan Payment and Repayment Rules
1️⃣ Payment Schedule
Amortizations start 2 months after the disbursement month. Example: Loan released in March → First payment due in May.
2️⃣ For Employed Members
Your employer automatically deducts the monthly amortization and remits it to SSS.
3️⃣ For Voluntary or Self-Employed Members
You can pay through SSS partner payment centers or GCash.
4️⃣ Penalty for Late Payments
A 1% penalty per month applies to delayed payments.
🔁 Loan Renewal Rules
You can renew your SSS Salary Loan if:
You’ve paid at least 50% of the original loan, and
You’ve made at least 12 monthly payments
When renewing, SSS automatically deducts your remaining balance from the new loan amount. The remaining proceeds (after deduction) will appear on your new voucher.
🧾 Common Issues When Viewing the Voucher
Issue
Possible Reason
Solution
Voucher not showing
Loan not yet released
Wait 1–2 business days after approval
“No record found”
Loan still under evaluation
Check again after 24 hours
Wrong loan details
System error
Contact SSS Hotline or email member relations
Blank page when downloading
Browser cache issue
Clear cache or use a different browser
⚡ TL;DR Summary
How to view your SSS Loan Voucher:
Log in to My.SSS → E-Services → Inquiry → Loans Info → Salary Loan
Click “Disbursement Voucher”
Download or screenshot your voucher
Voucher shows: Loan reference, approved amount, deductions, and credit date.
It’s your proof that the loan was released. It shows how much SSS approved, deducted, and credited to your account.
2. Where can I see my SSS loan voucher?
Go to My.SSS → E-Services → Inquiry → Loans Info → Salary Loan → Disbursement Voucher.
3. Can I print my SSS loan voucher?
Yes. You can download and print it anytime as proof of release.
4. What if my voucher isn’t showing?
Wait a few days after approval. If still missing, contact SSS Member Services or check the SSS Mobile App.
5. How soon can I apply for another SSS Salary Loan?
You can apply for renewal once 50% of your existing loan has been paid and at least 12 payments have been posted.
💬 Final Thoughts
Your SSS Loan Voucher is a small document with big importance — it confirms your loan approval, deductions, and disbursement date. By logging into the My.SSS portal, you can easily view, download, and track your loan anytime.
No need to visit a branch — your full loan details are just a few clicks away.
Before applying again, plan your finances and compute your eligibility using the SSS Salary Loan Calculator — your best guide to understanding how much you can borrow and when to pay it back.
Would you like me to generate a matching infographic (1200×675, JPEG optimized for web) titled 📊 “How to View Your SSS Loan Voucher in the My.SSS Portal – Step-by-Step Visual Guide” — showing each step visually with icons and SSS colors (blue & gray)?
