Compare the Best Online Loan Offers in Sri Lanka

Get instant access to fast, verified personal loans. Up to Rs. 200,000. No guarantors. No paperwork. 0% interest for new borrowers from select lenders.

Fino.lk

0% first loan up to Rs. 20,000

Amount: Rs. 3,000 – 150,000
Term: 3–6 months
Requirements: NIC, bank account, age 20–60
Approval: 10 min – 1 day

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Monigo

0% for first-time users

Amount: Rs. 3,000 – 150,000
Term: up to 30 days
Requirements: NIC, bank account, age 20–60
Approval: instant

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CashX

0% on first loan · Rs. 200,000 max

Amount: Rs. 5,000 – 200,000
Term: 10–30 days
Requirements: NIC, ID, photo, account
Approval: 5–15 min

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LoanMe

Up to Rs. 80,000 for repeat clients

Amount: Rs. 8,000 – 40,000
Term: 3–6 months
Requirements: NIC, income, bank
Approval: ~10 min

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SOSO

Loans up to Rs. 200,000

Amount: up to Rs. 200,000
Term: 3–12 months
Requirements: NIC, income, SL citizen
Approval: minutes–hours

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LoanPlus

Fast approval loans

Amount: Rs. 5,000 – 200,000
Term: 5–30 days
Requirements: NIC, bank, income
Approval: minutes

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Credify

Simple docs · Quick payout

Amount: up to Rs. 200,000
Term: 3–12 months
Requirements: SL citizen, bank, docs
Approval: 15 minutes

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SOS Credit

Instant micro loans

Amount: Rs. 5,000 – 80,000
Term: 1–6 months
Requirements: NIC, SL resident
Approval: fast

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Frequently Asked Questions

Can I apply for a loan online?

Yes. All listed providers support online applications with minimal paperwork.

Is it really 0% interest for first-time borrowers?

Yes, selected lenders offer 0% for new customers for the first loan cycle.

Do I need a guarantor?

Usually no. Most lenders only require national ID and bank account details.

About FinSriLanka

FinSriLanka helps users in Sri Lanka compare verified online loan providers, from payday loans to long-term credit options. Our listings include partners like Fino.lk, Monigo, and more. Find the best personal loan or microcredit online, instantly.

Whether you're looking for Rs. 10,000 or Rs. 200,000, we show you the top options based on speed, flexibility, and first-loan benefits.

Keywords: online loan Sri Lanka, payday loans, instant approval, 0% interest loan, compare loans, microfinance, Fino.lk, Monigo, personal loan comparison.