We’re a comparison website, not a lender. Offers change — always read lender terms before applying.
Top picks (quick table)
These providers are commonly available in Sri Lanka. Ranges and timings are indicative and can vary by eligibility. If speed is critical, see Instant Loans.
- Fino.lk — Rs. 3,000–150,000 · 65–180 days · typical decision ~10 min · often 0% for first loan.
- Oncredit — Rs. 2,000–100,000 · 65–180 days · approval ~15 min · intro 0% up to Rs. 50,000.
- Monigo — Rs. 3,000–150,000 · 65–120 days · decisions often within 60 min.
- CashX — Rs. 5,000–200,000 · 65–120 days · intro 0% up to Rs. 200,000.
- LoanPlus — Rs. 5,000–200,000 · 65–120 days · decisions often ~10 min.
How to choose
- Amount & term: pick the smallest amount and shortest term that still works. New to loans? Read our step-by-step guide.
- Total cost: compare fees + interest (APR). Intro 0% may apply for first-time borrowers.
- Speed: “instant” usually means minutes to verify — not guaranteed (see Instant Loans).
- Reputation: read recent reviews; avoid apps that request excessive permissions.
Fees & costs
Check service fees, late fees and extension costs. Example: Rs. 50,000 for 90 days at 24% APR ≈ interest Rs. 2,959 (illustrative only). For fundamentals and alternatives, see the Complete Guide.
How to apply
- Prepare NIC and a Sri Lankan bank account.
- Complete the online form; keep your phone reachable.
- Verify identity and bank account; submit any requested docs.
- Review the agreement and repayment schedule before confirming.
FAQ
Is 0% guaranteed? No — availability depends on the provider and eligibility.