We’re a comparison site — we don’t approve loans. Each lender sets its own criteria.
Eligibility
- Age usually 18–60; Sri Lankan citizen with valid NIC. New to online loans? Compare options in Best Online Loans.
- Active bank account in Sri Lanka; phone number registered to your name.
- Stable income helps; repeat customers with good history get faster approvals (see Instant Loans for speed tips).
Documents to prepare
- NIC (front/back) photos or scans; a live selfie for verification.
- Bank account details; sometimes a bank statement or salary slip.
- Proof of address if requested (utility bill, etc.).
Step-by-step process
- Compare offers (amount, term, total cost, fees, speed) on our Top Offers section.
- Apply online: enter accurate personal/banking data.
- Verify identity: selfie/NIC match; confirm bank ownership.
- Get decision: review the agreement & repayment schedule.
- Receive funds: disbursement to your bank after confirmation.
Approval tips
- Start with a smaller amount; limits grow after on-time repayments.
- Use the same device/phone number you registered with before.
- Ensure good lighting and clear documents for OCR checks.
Common mistakes
- Typos in bank name/number → delays or rejections.
- Ignoring fee schedules; late fees escalate quickly.
- Installing apps from unofficial sources; granting risky permissions.