Where Can I Find My SSS Loan Voucher in My SSS Account?
/
Where Can I Find My SSS Loan Voucher in My SSS Account?
If you recently applied for an SSS Salary Loan, you’re probably wondering where to find your loan voucher — that small but important document that confirms your approved loan amount, deductions, and credit date.
Good news! You don’t need to visit an SSS branch just to get it. Everything can be found right inside your My.SSS online account.
In this guide, we’ll walk you through what the SSS loan voucher is, how to find and download it, and how to understand the details printed on it — all explained in simple terms para hindi ka malito.
🏦 What Is an SSS Loan Voucher?
Your SSS Loan Voucher (sometimes called SSS Loan Disbursement Voucher) is the official record of your approved loan transaction under the Social Security System (SSS).
It includes:
Loan approval date
Loan type (e.g., Salary Loan)
Approved amount
Service charge and pro-rated interest
Net proceeds (the actual amount credited to your bank)
Loan reference number
Think of it as your receipt and proof of release — similar to a payslip but for your SSS loan. Without this voucher, you won’t know the exact deductions and credit timing of your loan.
💻 How to Find Your SSS Loan Voucher Online
Here’s how you can access your SSS loan voucher through your My.SSS account:
Log In to Your My.SSS Account Enter your User ID and Password. (If you haven’t registered yet, click “Register” to create an account.)
Go to “E-Services” → “Inquiry.”
Select “Loans Info.”
Click “Salary Loan.” You’ll see your loan status, balance, and loan details.
Look for the “Disbursement Voucher” or “Transaction Details” link.
Download or Screenshot the Voucher. It’s usually in PDF format, and includes your:
Loan reference number
Amount approved
Service charge
Net proceeds
Disbursement date
📌 Tip: The SSS system may label it as “Salary Loan Voucher” or “Loan Proceeds Details.” Both are valid and contain the same key information.
📱 Alternative Way: Check via the SSS Mobile App
You can also check your loan details and voucher through the SSS Mobile App.
Log in to the app.
Tap “Loans” → “Loan Information.”
Select your recent loan.
Scroll down to view Loan Details and Disbursement Date.
If you linked your UMID-ATM or PESONet bank account, the credited amount will also appear in your loan voucher record.
🧮 Understanding What’s Inside Your SSS Loan Voucher
To make sense of all the numbers in your voucher, let’s break it down:
Section
Description
Loan Type
Usually “Salary Loan”
Loan Reference No.
Unique ID for your loan
Loan Amount Approved
The total amount SSS approved based on your AMSC
Service Fee (1%)
Automatically deducted upon release
Pro-rated Interest
Deducted upfront for partial months before first amortization
Net Proceeds
Final amount credited to your bank
Disbursement Date
Date SSS transferred the funds
Monthly Amortization
Your monthly payment (starts 2 months after release)
💡 Example: Understanding Your SSS Loan Computation
Let’s use an example so you’ll clearly understand how the amounts appear on your voucher.
Example:
You applied for a ₱20,000 SSS Salary Loan on March 12, 2025.
Based on SSS rules:
Interest Rate: 8% per annum (diminishing balance)
Service Fee: 1%
Loan Term: 24 months (2 years)
Pro-rated Interest: Charged upfront for the days between approval and the next full month
Step-by-Step Computation:
Service Fee: ₱20,000 × 1% = ₱200
Pro-rated Interest:
Days covered = March 12–31 (20 days) + April (30 days) = 50 days
Annual interest = 8% × ₱20,000 = ₱1,600/year
Daily interest = ₱1,600 ÷ 365 = ₱4.38/day
Pro-rated interest = ₱4.38 × 50 = ₱219.18
Net Proceeds: ₱20,000 – ₱200 (service fee) – ₱219.18 (pro-rated interest) 👉 ₱19,580.82 credited to your bank
That’s the exact number you’ll see on your SSS loan voucher once your loan is released.
🧩 How the SSS Determines Your Loanable Amount
Your loanable amount depends on your Average Monthly Salary Credit (AMSC) and contribution history.
Loan Type
Requirements
Loan Amount
1-Year Loan
At least 36 posted contributions, with 6 in the last 12 months
Up to 1 month of AMSC or ₱25,000 (whichever is lower)
2-Year Loan
At least 72 posted contributions, with 6 in the last 12 months
Up to 2 × AMSC or ₱50,000 (whichever is lower)
Even if your AMSC is high, your loan amount cannot exceed the maximum cap.
To estimate how much you can borrow, try the SSS Salary Loan Calculator. It automatically computes your loanable amount, deductions, and monthly amortization — perfect if you’re planning your next loan renewal.
📅 When Will You Receive Your Loan Proceeds?
Once approved, your SSS loan proceeds are released within 3 to 5 working days, either:
Through your UMID-ATM, or
To your registered PESONet-accredited bank account
The voucher date marks the day SSS released your loan — not the day you applied. So if your application shows “Approved” on March 10 but your voucher says March 13, that means SSS released it to your bank on March 13.
💰 Loan Repayment and Deductions
1️⃣ Automatic Salary Deduction
If you’re employed, your employer automatically deducts the monthly amortization from your salary and remits it to SSS.
2️⃣ Voluntary or Self-Employed Members
You can pay through any SSS-accredited payment partner or GCash.
3️⃣ Penalty for Late Payments
If payment is delayed, SSS charges 1% penalty per month on the unpaid amortization.
🔁 Can You Renew Your SSS Salary Loan?
Yes — but only if:
You’ve paid at least 50% of your original loan, and
You’ve made at least 12 amortizations
When you renew, SSS automatically deducts your outstanding balance from the new loan amount. The remaining difference will appear in your new loan voucher as the net proceeds.
🧾 Sample Visual: What a Loan Voucher Looks Like
Here’s an infographic showing how a typical SSS Loan Voucher is structured:
Middle section: Computation (gross, deductions, net proceeds)
Bottom section: Disbursement date and payment start schedule
🧍♀️ TL;DR (Summary)
If you’re wondering where to find your SSS Loan Voucher, just log in to your My.SSS account → E-Services → Inquiry → Loans Info → Salary Loan → Disbursement Voucher.
It serves as your proof of loan approval and disbursement. You’ll need it if you want to check deductions or when applying for a loan renewal.
2. Why can’t I see my voucher in My.SSS?
Try checking under E-Services → Inquiry → Loans Info. If it’s not there, your loan may still be under processing or evaluation.
3. How long does it take before the loan is credited?
Usually 3–5 working days after approval, depending on your bank’s PESONet schedule.
4. Can I print my SSS loan voucher?
Yes. You can download or screenshot it from your My.SSS account for future reference.
5. What if there’s a discrepancy in the loan amount?
You can contact SSS Member Services through their hotline or visit a branch for clarification. Bring your voucher printout and valid ID.
💬 Final Thoughts
Your SSS Loan Voucher is more than just a receipt — it’s your official proof that SSS has released your loan. It helps you track the exact deductions, interest, and disbursement schedule.
Now that you know where to find it, make sure to save a copy each time you take a loan. It’s useful for renewals, payment tracking, and confirming that the correct amount was credited.
