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Fino Online Loan in Sri Lanka

Review Fino in Sri Lanka: published loan range, APR, requirements, application steps, repayment options, company details and alternatives on Loan24.lk.

Information checked 14 August 2026
Fino logo
4.3The 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. 3,000–150,000
Term3–6 months
Rate / APRUp to 190%
Age20–60 years
AvailabilityNationwide
IncomeStable income
ApplicationOnline / mobile app
DocumentsNIC + mobile phone + bank details
Apply NowOfficial website

About Fino

Fino is an online lending service in Sri Lanka operated by S F Group (PRIVATE) LIMITED. Users can apply online, access their account from a smartphone or computer, review loan information and manage an existing loan without visiting a physical branch. The service is available nationwide.

Fino is intended for applicants aged 20–60 who have a stable income. The website allows users to select a loan amount and submit an application online, while the final approved amount, pricing and repayment conditions depend on the individual application and the terms presented by Fino.

Customers can check loan details through their personal account and make repayments through bank branches, bank transfers or Pay&Go kiosks. Fino also provides repayment-term extension options; the available extension period and applicable fee are shown in the customer account.

Requirements and documents

  • Age 20–60 years.
  • Sri Lankan citizenship or residence with a residential address in Sri Lanka.
  • Valid NIC and identity verification.
  • Active mobile phone and contact details.
  • Active bank account for receiving approved funds.
  • Stable income; additional verification or reference checks may be requested where required.

How to apply

  1. Choose the loan amount and review the available terms on Fino.
  2. Complete the online application and provide the requested personal and contact information.
  3. Complete identity and phone verification and provide bank-account details.
  4. Wait for the provider’s decision; if approved, review the final agreement before accepting it.

Example calculation

Example based on published information

Fino publishes a representative example of Rs. 80,000 for 91 days at a 190% APR, with a total repayment of Rs. 118,000. Your actual amount, fees and repayment terms may differ.

Repayment, extension and late payment

  • Fino’s FAQ lists bank-branch payments, bank transfers and Pay & Go kiosks as repayment options.
  • The provider account shows the due date and amount payable; payment references may require the loan agreement number and NIC.
  • Fino states that an extension may be available for 7, 14 or 30 days depending on the option shown in the customer account.
  • Fino’s terms provide a 24-hour withdrawal option after disbursement if the principal is repaid in full under the stated conditions.

Key features

Apply online and manage loan details through a personal account on a smartphone or computer; a Fino mobile app is also available.
The service is available nationwide in Sri Lanka, so eligible applicants are not limited to a particular city or physical branch.
Repayments can be made through bank branches, bank transfers and Pay&Go kiosks, giving customers several payment channels.
Customers can review loan details and available repayment-term extension options directly in their Fino account.

Things to consider

Fino publishes a maximum APR of 190%, so compare the total repayment amount and any applicable fees before accepting the loan.
The approved amount, repayment term and final charges can differ after assessment; rely on the terms shown in your final Fino agreement.
Extending the due date or paying after it can add extension or late-payment fees, so check those costs before using an extension.

Company and contact information

Legal entityS F Group (PRIVATE) LIMITED
Company No.PV 00221752
AddressNo. 341/5, M & M Center, Level 01, Kotte Road, Rajagiriya
Phone011 775 0300
Emailinfo@fino.lk
HoursMon–Sun, 8:30am–5:30pm
Official websiteVisit official website
QUESTIONS & ANSWERS

Frequently asked questions about Fino

The current Fino website publishes amounts from Rs. 3,000 to Rs. 150,000. The amount actually offered to an applicant can be lower and is determined during the provider’s assessment.
Fino currently publishes an age range of 20 to 60 years. Other eligibility and verification requirements also apply.
Fino currently publishes a maximum APR of 190%. The final rate, fees and total repayment should be checked in the agreement presented for your application.
Fino’s FAQ lists bank-branch payments, bank transfers and Pay & Go kiosks. Current instructions should be checked in your Fino account before making a payment.
No. Loan24 compares publicly available offer information. Fino and the relevant lending party determine eligibility, final terms, approval and disbursement.
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

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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.