What Should I Do If I Lost or Deleted My SSS Loan Voucher?

Did you accidentally delete or misplace your SSS loan voucher after applying for your SSS Salary Loan?
Don’t panic — many members encounter this same issue. Whether you cleared your inbox, switched phones, or can’t find the email, your loan voucher can still be recovered quickly.

In this guide, we’ll explain:
✅ What the SSS loan voucher is for
✅ How to retrieve it (even if you deleted the email)
✅ Where to find it online
✅ How to confirm your loan details without the voucher
✅ What to do if your voucher is missing completely

You’ll also learn how to use the SSS Salary Loan Calculator to estimate your loan amount, interest, and repayment schedule.

💡 What Is an SSS Loan Voucher?

An SSS loan voucher is a digital document that serves as your official proof of loan approval and release.

It contains vital information such as:

Your Loan Reference Number (LRN)
Loan amount approved
Net proceeds (after service charge and interest)
Interest rate (8% per annum)
Release date and repayment schedule

It’s sent automatically to your registered email once your salary loan is approved.
But if you lost or deleted it — don’t worry. You can retrieve it directly from the SSS portal or mobile app.

📧 Common Reasons Why Members Lose or Can’t Find Their Voucher

Accidentally deleted email — The most common reason.
Voucher sent to Spam or Promotions folder — Many SSS messages are tagged as bulk mail.
Old or inactive email address — You may have changed your email but not updated it in My.SSS.
Voucher viewed via app but not saved — If you checked it once but didn’t download or screenshot it.
Device reset or lost phone — Access to the voucher file or screenshot was erased.

Whatever the reason, you can still get your loan voucher copy online anytime.

📱 Option 1: Retrieve Your SSS Loan Voucher Through the SSS Mobile App

The SSS Mobile App is the fastest way to recover your voucher.

Step-by-step guide:

Open the SSS Mobile App
Download or update it from the Google Play Store or App Store.
Log in using your My.SSS credentials
Use the same username and password as your web portal.
Tap “Loans.”
Under this section, choose “Salary Loan.”
Select your approved loan.
You’ll see loan details and status (e.g., “Released”).
Tap “View Loan Disclosure Statement.”
This file is your loan voucher — it contains the same details as the email version.
Screenshot or download it to your phone for backup.

💡 Tip: Rename your file to “SSS-Loan-Voucher-[Date].jpg” so it’s easy to find later.

💻 Option 2: Download Your SSS Loan Voucher from My.SSS (Web)

If you prefer using a computer, here’s how to get a fresh copy through the SSS website.

Visit https://www.sss.gov.ph.
Log in to your My.SSS Member Portal.
Go to “E-Services” → “Inquiry.”
Click the “Loans” tab.
Under “Salary Loan,” select your most recent loan transaction.
Click “Download Loan Voucher” or “View Loan Disclosure Statement.”

You can then save or print the PDF for your records.

🏢 Option 3: Request a Copy from the SSS Branch

If your online access is limited or your account isn’t updated, you can request it in person.

Bring:

Your valid government ID
SSS number
Email address or loan reference number (if remembered)

Go to the Member Services counter and request for a copy of your Loan Disclosure Statement or Voucher.
They can print or send a new digital copy to your registered email.

📨 Option 4: Email SSS for a Replacement Copy

If you prefer remote assistance, send an email request to:

📩 member_relations@sss.gov.ph
Include:

Your full name
SSS number
Date of loan application
Screenshot of your valid ID (for verification)

Subject line example:
“Request for Copy of SSS Salary Loan Voucher – [Your Name]”

You’ll usually get a response in 3–5 working days.

🧮 Understanding What’s Inside Your Loan Voucher

Here’s a breakdown of what each section means when you get your voucher again:

Field	Meaning
Loan Reference Number (LRN)	Unique number assigned to your loan
Approved Amount	Based on your AMSC (Average Monthly Salary Credit)
Net Proceeds	Amount credited after fees and pro-rated interest
Service Charge	1% of loan deducted upfront
Interest	8% per year on a diminishing balance
Loan Term	12 or 24 months
Monthly Amortization	Monthly payment deducted from salary or voluntary remittance
Disbursement Account	Bank or UMID-ATM where proceeds were credited

💰 Example: How Loan Voucher Values Are Computed

Let’s say your:

Average Monthly Salary Credit (AMSC): ₱20,000
Loan type: 2-year (24 months)
Approved loan: ₱40,000

Step 1: Compute the annual interest.
₱40,000 × 8% = ₱3,200 per year

Step 2: Compute the pro-rated interest deduction.
If approved on March 12, 2025: 50 days until end of April.
₱3,200 ÷ 365 = ₱8.77/day × 50 = ₱438.50

Step 3: Apply deductions.

Service charge (1%): ₱400
Pro-rated interest: ₱438.50
✅ Net proceeds: ₱39,161.50

Step 4: Monthly amortization.
₱40,000 ÷ 24 months = ₱1,666.67 (approx.)

You can verify your own figures using the
👉 SSS Salary Loan Calculator.

It shows your estimated loan amount, net proceeds, and monthly payment — great for planning before reapplying.

🧾 What to Do If the Loan Voucher Doesn’t Show Up in the App or Portal

If you already followed the steps but your voucher still doesn’t appear, here’s what you can check:

Wait 24–48 hours.
System updates are not always real-time.
Clear your browser cache or app data.
Old cache files sometimes hide updated records.
Check your registered email under “Member Info.”
Ensure it’s current and verified.
Confirm your loan was actually approved.
Go to “Loans Inquiry” and verify the status as “Approved” or “Released.”
Make sure your Disbursement Account (DAEM) is active.
If your account was deactivated, loan release might be delayed — and so is the voucher.

If all else fails, contact the SSS Hotline (1455) or email crms@sss.gov.ph.

⚖️ Repayment Rules and How the Voucher Helps You Track Payments

Your voucher is not just a document — it’s your repayment guide.
It lists your monthly amortization schedule, which helps you track when deductions begin.

Start of payment: 2nd month after loan release
Penalty for late payment: 1% per month on due amortization
Early settlement: Allowed anytime, with no penalties
Loan renewal: Allowed after paying at least 12 months and 50% of principal

Employers automatically deduct payments, but self-employed or voluntary members can pay through:

SSS Mobile App (via GCash, PayMaya)
Bayad Center
SSS branches

🔍 What Happens If You Never Retrieve the Voucher?

Even without the voucher, your loan remains valid and active in SSS records.
However, not having it can cause confusion when:

Checking loan release date
Verifying credited amount
Computing remaining balance
Applying for a new loan

That’s why it’s recommended to download and keep a copy — digital or printed.

🧾 Quick TL;DR Summary

The SSS Loan Voucher is proof of your approved salary loan.
If you lost or deleted it, don’t worry — you can easily re-download it via:
- ✅ SSS Mobile App → Loans → View Disclosure Statement
- ✅ My.SSS Portal → Inquiry → Loans → Download Voucher
You can also email or visit an SSS branch for assistance.
Always save a copy for reference in future renewals.
Use the SSS Salary Loan Calculator to check your potential loan and repayment.

💬 Frequently Asked Questions (FAQs)

1. Can I re-download my SSS loan voucher after deleting it?
Yes. You can download a new copy anytime from your My.SSS account or the SSS Mobile App.

2. What if my loan doesn’t appear in the app or portal?
Wait 1–2 business days. If still missing, contact SSS through 1455 or crms@sss.gov.ph.

3. Do I need the voucher to claim my loan proceeds?
No. The funds are credited directly to your registered DAEM bank account once approved.

4. Can I request a printed voucher from a branch?
Yes. Bring your ID and SSS number — the branch can print it or email a copy.

5. What if I forgot my SSS login details?
Go to the SSS website → “Forgot User ID/Password” → Follow the reset instructions using your registered email.

🏁 Final Thoughts

Losing your SSS loan voucher isn’t a dead end — it’s just a small bump in your loan journey.
You can re-download it anytime, either online or through the SSS app.

Keep your email and contact details updated, and always back up your documents in a safe folder.
The voucher is your reference for checking release dates, amortizations, and renewal eligibility — so treat it like a digital receipt.

Before applying again, make sure you’re fully prepared.
Try the SSS Salary Loan Calculator to know how much you can borrow and what to expect in deductions — so no surprises when your voucher arrives next time.