What Happens If There’s a System Error During My SSS Salary Loan Application?
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What Happens If There’s a System Error During My SSS Salary Loan Application?
Applying for an SSS Salary Loan online should be quick and simple—but sometimes, things don’t go as planned. What if you’ve filled out all the forms, clicked “submit,” and then… the system crashes or shows an error code such as (excp_0), (excp_1), CLC99, CL45, CL46, LID95, PL86, reg03, reg05, SL48, SL91, SL92 or WS52?
It’s frustrating, but you’re not alone. Here’s what you need to know and what you should do immediately if this happens.
💻 What Kind of System Errors Might Occur?
Here are some common system-related issues during an online SSS Salary Loan application:
❌ “Service Unavailable” or “Gateway Timeout” errors
🔁 Page refreshes after clicking submit, with no confirmation
⚠️ Incomplete application status in your My.SSS account
❗ Application not showing under your loan records
🔒 Session timeout before completing submission
These issues are often temporary and related to website maintenance, server traffic, or internet connectivity on your end.
💡 SSS System Error Codes: What They Mean and How to Solve Them (excp_0, excp_1, CLC99, CL45, CL46, LID95, PL86, reg03, reg05, SL48, SL91, SL92 or WS52)
In some cases, instead of a general system message, you may encounter a specific error code when applying for an SSS Salary Loan. These codes are used internally by the system to indicate particular types of issues. Below are some known codes and what they might mean:
What it might mean: The excp_0 error usually appears as a general exception message when using the SSS online portal. It indicates that the system encountered an unexpected error while processing your request. Unlike specific codes (e.g., SL91 or CLC99), this error is more generic and points to either a temporary glitch or an interruption in communication between your session and the SSS server.
Possible causes:
Temporary downtime or overload on the SSS system
Session timeout due to inactivity
Browser cache or cookie conflicts
Unstable internet connection during submission
Backend processing error in the loan or records module
What you can do:
Refresh and Retry – Reload the page and try again, preferably during non-peak hours.
Clear Cache / Use Incognito Mode – Helps eliminate stored data conflicts.
Check Internet Connection – Make sure your connection is stable while submitting.
Log Out and Log Back In – Start a fresh session to avoid timeout issues.
Contact SSS Support – If the error persists, report the issue with a screenshot for technical assistance.
What it might mean: The excp_1 error is another generic exception code from the SSS online portal. It typically shows up when the system fails to process a specific step in your transaction due to incomplete data, invalid inputs, or a temporary processing failure. Compared to excp_0 (which is broader), excp_1 often suggests that the error is related to user-submitted information or a validation step that did not pass successfully.
Possible causes:
Missing or invalid data entered in your online form
Incomplete employment or contribution records in your SSS profile
Error in validating your eligibility during salary loan or benefit application
Outdated browser session or corrupted cached data
Temporary glitch in the backend processing module
What you can do:
Double-Check Your Input – Ensure all required fields in your loan or benefits form are properly filled out.
Verify Your Records – Review your My.SSS profile to confirm your contributions and employment history are accurate.
Clear Cache / Try Incognito Mode – Removes possible conflicts caused by stored data.
Retry Later – Wait for a few hours and try again in case of temporary server issues.
Seek Assistance from SSS – If the problem continues, report it with details or a screenshot so SSS support can investigate further.
What it might mean: The prefix “CLC” likely stands for Consolidated Loan Code or Client Loan Case. The CLC99 error typically appears when there is a data mismatch or inconsistency in your records. This could involve your address, employer information, membership type, or incomplete profile details.
Possible causes:
Outdated or inconsistent data in your SSS records
Mismatch in employer details
Issues with your registered address or contact information
System validation failure between SSS records and UMID/loan application
What you can do:
Update your member record via the nearest SSS branch.
Use incognito/private mode and clear your browser cache.
Ensure all required fields in your My.SSS profile are complete and updated.
Retry the application after 24 hours or during off-peak hours.
What it might mean: The “CL” in CL45 likely refers to Client Loan or Credit Loan. The CL45 error usually occurs when there’s a technical or eligibility issue with your account. It may also be related to previous loans, loan eligibility, or system restrictions.
Possible causes:
You may not meet the minimum qualifying contributions
There may be a pending loan that hasn’t been fully posted or cleared
Loan processing system encountered a temporary failure
What you can do:
Check your loan eligibility and ensure you have enough posted contributions (at least 36 for first-time borrowers).
Wait a few hours and try again, especially if it’s likely a server issue.
Try using a different browser or incognito mode.
If the issue persists, contact SSS through their hotline or email.
What it might mean: Similar to CL45, the CL46 error code indicates a system error, possibly related to loan revalidation, record mismatch, or concurrent requests. It may also reflect a backend issue in validating your loan request against your account.
Possible causes:
Duplicate loan applications or concurrent sessions
Unposted payments from previous loans
Account status not yet updated after recent changes
Invalid entries in your application form (e.g., outdated employer)
What you can do:
Avoid submitting multiple applications at once; wait for confirmation.
Verify your account information and ensure everything is accurate.
Try again in incognito mode or a different device.
If the error remains, visit or contact the nearest SSS branch for assistance.
What it might mean: The LID95 error code usually appears when you try to access, track, or process a loan in the SSS online portal. It means the system could not retrieve your Loan ID (LID) due to missing, invalid, or unposted loan data. This can happen if the loan was recently filed and not yet updated in the database, or if there’s a technical problem with the SSS loan records module.
Possible causes:
Loan ID not yet posted in the system after recent filing.
Incorrect or mistyped Loan ID during inquiry or processing.
Loan account already closed, canceled, or fully paid.
Temporary downtime or maintenance in the loan services web module.
Data mismatch between your loan record and SSS member profile.
What you can do:
Verify the Loan ID – Double-check from your SSS loan confirmation or email notification.
Retry After 24–48 Hours – Allow time for newly filed loans to be posted in the database.
Clear Browser Cache / Use Incognito Mode – This can prevent cached data from interfering with the request.
Try a Different Device or Browser – Some loan retrieval errors are device-specific.
Contact SSS Support – If your Loan ID is correct and the error persists, report the LID95 code along with your SS number at the nearest SSS branch or via email.
What it might mean: The PL86 error code usually appears when processing a loan request in the SSS online portal, particularly for Salary Loan or Calamity Loan transactions. It indicates a system or data-handling problem that interrupts the loan processing stage. This can happen due to backend validation issues, incomplete records, or technical disruptions while linking your account to the loan processing module.
Possible causes:
Temporary downtime or maintenance on the SSS loan processing system
Incomplete or outdated employment/contribution records in your SSS account
Existing unsettled loans that block new loan applications
Data mismatch between your employer’s records and SSS’s database
Browser session timeout, cache conflicts, or unstable internet connection
Duplicate or overlapping loan processing requests submitted too close together
What you can do:
Refresh and Retry Later – Wait a few hours and try during off-peak hours.
Verify Your Records – Check your SSS profile to ensure your contributions, employment history, and personal details are up to date.
Settle Outstanding Loans – Make sure previous loan balances are fully paid before applying again.
Clear Browser Cache / Use Incognito Mode – Prevents stored data conflicts that can trigger the error.
Try a Different Browser or Device – Switching to Chrome, Firefox, or mobile often helps.
Avoid Multiple Submissions – Wait for confirmation before submitting a second loan application.
Contact SSS Support – Take a screenshot of the PL86 error and report it through email, hotline, or in person at your nearest SSS branch.
What it might mean: The reg03 error code appears when creating or updating an SSS online account. It signals that the registration process failed due to a data mismatch, incomplete SSS records, duplicate account attempt, or a temporary technical glitch in the SSS portal’s registration module.
Possible causes:
Temporary downtime or maintenance on the SSS registration system
Mismatched personal details (e.g., name spelling, birth date, SS number) compared to SSS records
Incomplete SSS member records (missing employment history or contributions)
Attempting to register when an online account already exists for your SS number
Browser cache conflicts, outdated browser, or unstable internet connection
What you can do:
Contact SSS Support – Take a screenshot of the reg03 error and report it via email or at the nearest SSS branch for manual assistance.
Retry Later – Wait a few hours and attempt registration during off-peak hours.
Verify Personal Details – Ensure your name, birth date, and SS number exactly match your official SSS records.
Clear Browser Cache / Use Incognito Mode – Prevents stored data conflicts during registration.
Use the Correct Registration Option – Select the right category (employed, self-employed, voluntary, OFW) and reference number.
Avoid Duplicate Registration – If you already have an account, use the “Forgot User ID/Password” feature.
What it might mean: The reg05 error appears when trying to register or update your SSS online account. It indicates that your registration attempt failed due to a data mismatch, incomplete member records, duplicate registration, or a system issue within the registration portal.
Possible causes:
Mismatched personal information (e.g., name, birthdate, SS number)
Incomplete SSS records (missing contributions or employment history)
An existing online account already linked to your SS number
Temporary system downtime during registration
Browser conflicts—cached data, outdated version, or unstable connection
What you can do:
Retry later during off-peak hours, such as early mornings or weekdays
Verify your personal details at an SSS branch to ensure they match SSS records
Clear browser cache or use Incognito Mode to avoid conflicting stored data
Select the proper registration method (employed, voluntary, OFW) and correct reference (contribution, UMID, etc.)
Avoid creating duplicates—if you already have an account, use “Forgot User ID/Password” instead
Contact SSS Support—take a screenshot of REG05 and report it via email or bring it to your nearest SSS branch for manual assistance
What it might mean: The SL48 error code generally appears during salary loan transactions in the SSS online portal. It indicates a system-level error that may be tied to incomplete account data, mismatched personal details, or a temporary glitch in the SSS loan processing module. It can also signal a data transfer issue between your member profile and the loan system.
Possible causes:
Temporary glitch or downtime in the SSS online system
Incomplete or mismatched information in your SSS profile (e.g., name spelling, bank account details)
Disruption or timeout during data transfer between the SSS Salary Loan module and your account
Outdated browser cache or unstable internet connection during the transaction
What you can do:
Refresh and Retry Later – Wait a few minutes or hours before reapplying to allow the system to reset.
Check Your SSS Profile – Log in to your SSS account and confirm that your personal and bank details are correct and up-to-date.
Clear Cache / Use Incognito Mode – This can help avoid conflicts caused by stored browser data.
Use a Different Device or Browser – Some errors are device-specific.
Contact SSS – If the error persists, take a screenshot of the error code and report it via email or by visiting your nearest SSS branch.
What it might mean: The SL91 error code typically appears when members apply for a salary loan via the SSS online portal. It signals that the system cannot proceed with the application due to missing, invalid, or unverified membership and contribution records. This error is often linked to eligibility issues rather than just technical glitches, meaning the system detected something in your account that prevents loan processing.
Possible causes:
Insufficient number of contributions to qualify for a salary loan
Inconsistent or unposted contributions (especially from your latest employer)
Pending validation of employment records between your employer and SSS
Unsettled obligations such as an overdue or defaulted previous loan
Member status issues (e.g., inactive, unreported employment, or incorrect classification)
Temporary system error during eligibility validation
What you can do:
Check Your Contributions – Log in to your My.SSS account and confirm that you have the required number of contributions posted.
Verify Employment Records – Coordinate with your HR or employer to ensure they have properly reported and remitted your contributions.
Settle Previous Loans – Clear any overdue balance from earlier salary loans to restore eligibility.
Update Your Member Status – Visit SSS to correct any inconsistencies in your membership information.
Retry Later – Sometimes the error may be due to system downtime; wait a few hours and try again.
Seek SSS Assistance – If the issue persists, contact SSS support or visit a branch for manual verification and loan application assistance.
What it might mean: The SL92 error code appears when applying for a salary loan through the SSS online portal. It indicates that the system encountered a technical or data-processing problem while trying to validate your loan eligibility or member information. This can be triggered by server downtime, outdated or inconsistent member records, or a disruption in the connection between your account data and the SSS Salary Loan processing module.
Possible causes:
Temporary downtime or maintenance on the SSS online system
Outdated or incomplete employment records in your SSS profile
Unpaid or unsettled previous salary loan balance
Data mismatch between your employer’s records and SSS records
Browser session timeout, cached data conflicts, or unstable internet connection
What you can do:
Refresh and Retry Later – Wait a few hours and try again during off-peak hours when the SSS portal is less busy.
Verify Your Records – Log in to your SSS account to check that your employment history, contributions, and personal details are complete and accurate.
Settle Any Previous Loans – If you have an existing loan balance, settle it first before reapplying.
Clear Browser Cache / Use Incognito Mode – Helps prevent stored data conflicts that can cause errors.
Try a Different Device or Browser – Switch to another browser like Chrome or Firefox, or try using your mobile device.
Contact SSS Support – Take a screenshot of the SL92 error and report it through email or by visiting your nearest SSS branch for manual assistance.
What it might mean: The WS52 error indicates a breakdown in communication between the SSS online portal (app interface) and the backend web services. As WS stands for Web Services. It typically occurs when applying for services such as a salary loan, updating membership records, or submitting contributions, signaling that the system couldn’t relay or retrieve necessary data during a transaction.
Possible causes:
Temporary disruption or maintenance in SSS backend services
Incomplete or conflicting records in your SSS profile (e.g., missing contributions or employment information)
Incorrect or mismatched personal or bank details
Browser caching issues or version incompatibility
Slow or unstable internet connection leading to session timeouts
What you can do:
Retry during off-peak hours—late evenings or early mornings—when server traffic is lower
Clear browser cache or use Incognito/Private Mode to avoid stored-data conflicts
Verify and update your SSS records—ensure your contributions, employment status, and personal details are current
Try a different browser or device—some errors are browser-specific
Capture a screenshot of the error and report it to SSS via email or at your nearest branch for assistance
🔧 General Tips for Dealing with Error Codes:
Always ensure your My.SSS account details are complete and updated.
Use incognito/private mode when using the My.SSS portal.
Avoid applying during peak hours when the servers may be overloaded.
If errors persist, take a screenshot and report the issue to SSS via email or in person.
Bring valid IDs and supporting documents when visiting a branch.
✅ What to Do If You Experience a System Error
Check Your My.SSS Account Log back in to My.SSS and go to:
E-Services > Inquiry > Loans > Loan Status
If there’s no record of your new application, it didn’t push through.
Don’t Apply Again Immediately Wait at least 24 hours. SSS systems may update late. Reapplying too soon might cause duplicate applications or flag your account.
Check for Email Confirmation If your loan application was successful, you should receive an email confirmation. No email? It probably didn’t go through.
Clear Your Browser Cache or Try Another Browser Sometimes, your device stores old site data that interferes with submissions. Try clearing cache or switching to Chrome, Firefox, or Safari.
Try During Off-Peak Hours Accessing the SSS portal early morning (before 8 AM) or late evening (after 8 PM) may reduce chances of system lag or timeout.
Contact SSS Member Services If you’re unsure, call the SSS hotline at 1455, or send a message via the SSS Facebook Page or their online help form.
📌 Tips to Avoid System Errors
Use a stable internet connection
Complete the application in one sitting
Use updated browsers
Avoid applying during SSS website maintenance schedules (usually announced on SSS Facebook page)
📊 How to Know If the Loan Application Was Successful
✅ You’ll see this under your My.SSS account: Loan Status: “Loan Application Submitted” or “Certified by Employer” 📧 You’ll receive an email confirmation from SSS. 💸 Eventually, you’ll see Loan Disbursement info once approved.
🔁 What If I Applied Twice Because of the Error?
SSS will only process one application. Duplicate entries are usually flagged and ignored. You won’t get double the loan or be penalized—but it could delay the process.
If you’re unsure which one pushed through, call SSS directly to clarify.
💬 Frequently Asked Questions (FAQ)
1. I clicked submit, but the screen froze. Did my loan go through? Check your My.SSS loan records and email. If there’s no confirmation, the application didn’t push through.
2. Can I reapply if there was no confirmation? Yes, but it’s best to wait 24 hours before doing so, to avoid system conflicts.
3. Will SSS charge me for a failed application? No, there are no fees for applying. You are only obligated once the loan is processed and disbursed.
4. What if I already re-applied and now have two entries? Contact SSS to verify which one is active. Only one will be processed.
5. Can I apply using a mobile phone? Yes, but it’s better to use a desktop or laptop to avoid compatibility issues and small-screen errors.
6. Will my employer still need to certify if the system error happened after I submitted? Only if the application pushed through. If it didn’t, your employer won’t see anything to certify.
