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Credify Loan Comparison Service in Sri Lanka

Review Credify.lk Sri Lanka: service role, published term and APR, representative example, contact information, requirements and alternative offers.

Information checked 14 August 2026
Credify logo
4.4The rating is determined by the Loan24 editorial team based on publicly available parameters: loan amount, term, interest rate, annual percentage rate, first-loan offer, application speed and ease of use.
AmountRs. 5,000–200,000
Term3–12 months
Rate / APRUp to 365%
Age20–60 years
AvailabilityNationwide
IncomeStable income
ApplicationOnline / mobile app
DocumentsNIC + mobile phone + bank details
Apply NowOfficial website

About Credify

Credify is an online loan comparison service for users in Sri Lanka and explicitly states that it is not a lender. It presents information and offers from third-party online lenders, helping users review available options before continuing to a selected provider.

The service is intended for Sri Lankan residents who meet the selected online lender’s eligibility requirements. Credify’s FAQ refers to regular income, a Sri Lankan bank account and an active phone number as typical requirements, while the final loan amount, pricing and approval decision are determined by the chosen provider.

Credify provides access through its website and application, while repayment is made to the selected online lender rather than to Credify. Its FAQ lists bank branches, online payments and self-service payment terminals as possible repayment channels, depending on the final provider.

Requirements and documents

  • Age 20–60 years for Loan24 comparison; the selected online lender sets final eligibility.
  • Sri Lankan citizenship or residence.
  • Valid NIC and identity verification.
  • Active mobile phone and email address.
  • Active bank account for receiving approved funds.
  • Stable income or ability to repay may be assessed by the selected online lender.

How to apply

  1. Choose the amount and submit the initial online enquiry through Credify.
  2. Provide the requested personal and contact information so the service can match available offers.
  3. Review the online lender offers presented through the service and choose a suitable option.
  4. Complete the selected provider’s final application and verification; if approved, review the agreement before accepting it.

Example calculation

Example based on published information

Credify publishes a representative example of Rs. 50,000 for 6 months, with a monthly payment of Rs. 8,948, total repayment of Rs. 53,688 and APR of 15%. The site also states a maximum APR of 365%; the selected online lender’s actual offer may differ.

Repayment, extension and late payment

  • Credify does not receive loan repayments as the lender.
  • Repayment is made according to the selected lender’s instructions and agreement.
  • Check the lender’s due dates, early-repayment rules, extension options and late-payment charges before accepting the offer.

Key features

Credify is a comparison service that presents offers from third-party online lenders rather than issuing loans itself.
Users can request online loan offers and access the service through the website or an Android/iOS app.
Credify highlights minimal-document applications and can show options from providers that may consider applicants with lower credit scores.
The service publishes representative APR and repayment examples so users can compare costs before continuing to a selected provider.

Things to consider

Credify is a comparison service and does not issue loans, so the selected online lender controls approval, disbursement and the final contract.
Credify publishes a representative APR example of 15% and a maximum APR of 365%; the actual rate and total repayment depend on the selected provider offer.
The comparison does not include every financial company or product, so identify the final provider and review its repayment and late-payment conditions before accepting an offer.

Company and contact information

ServiceCredify.lk
RoleLoan comparison / intermediary
Emailinfo@credify.lk
Term90 days–12 months
Published maximum APR365%
Official websiteVisit official website
QUESTIONS & ANSWERS

Frequently asked questions about Credify

No. Credify explicitly states that it does not grant loans. It presents offers from third-party lenders.
Credify currently publishes a term from 90 days to 12 months.
Credify states a maximum APR of 365%. Its representative example uses a 15% APR, but the actual lender offer may differ.
Repayment is made to the lender that provides the final loan, according to that lender’s agreement and instructions.
Identify the final lender, check amount, term, APR/fees, total repayment, eligibility and late-payment rules before accepting the agreement.
Note: Loan terms and provider information may change. Always rely on the final agreement presented by the online lender before accepting a loan.
COMPARE ALTERNATIVES

Other loan offers in Sri Lanka

Review other providers before choosing an offer.

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Responsible borrowing: Borrow only what you can afford to repay. Check the final amount, fees, APR or other pricing, repayment dates and late-payment consequences in the agreement before accepting any loan.

Important information

Loan24.lk is a loan comparison and advertising referral website. We are not a lender and do not issue loans, make credit decisions or collect repayments.

We may receive compensation from some lenders or commercial partners, which may affect how and where offers are displayed. We do not compare every lender or loan available in Sri Lanka.

Rates, fees, eligibility requirements and other terms may change. Always verify the latest terms directly with the lender before applying. Loan approval is not guaranteed.