සිංහලCompare offers
Home / Offers / Monigo

Monigo Online Loan in Sri Lanka

Review Monigo Sri Lanka: Loan24 comparison terms, application verification, repayment, extension and late-payment information, company contacts and alternatives.

Information checked 14 August 2026
Monigo logo
4.2The 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 Monigo

Monigo is an online loan service in Sri Lanka associated with S F Group (PRIVATE) LIMITED. Users can choose a loan amount, complete an application online and receive approved funds to a nominated bank account without visiting a physical branch.

The application process includes contact and identity verification, and Monigo states that salary slips or guarantors are not required for its standard online application. Final eligibility, the approved amount and repayment conditions are determined after the application is reviewed and the customer receives the applicable terms.

Customers can check loan details in their Monigo account and repay through bank branches, bank transfers or Pay&Go kiosks. Monigo also provides early-repayment and due-date extension mechanisms subject to the conditions and fees shown for the customer’s loan.

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; verification calls or reference checks may be used where required.

How to apply

  1. Choose the loan amount and review the available terms on Monigo.
  2. Complete the online application and provide the requested personal and contact information.
  3. Complete identity and phone verification and provide NIC and 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

Monigo 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

  • Monigo terms allow early repayment at any time, but the loan service fee may remain unchanged.
  • A due-date extension can be requested by paying the extension fee shown in the special terms; late fees may also apply if extension is paid after the original due date.
  • Monigo terms state that repayment is made to the lender bank account according to current account instructions.
  • The published late-payment schedule includes a 10% fee on unpaid principal on the 3rd, 6th, 11th, 16th and 30th day after the due date, subject to the agreement.

Key features

Monigo supports online applications and offers a downloadable mobile app for managing the service from a smartphone.
Approved loan funds are transferred to the borrower’s bank account, while loan details and due dates can be checked in the Monigo account.
Repayments can be made through bank branches, bank transfers and Pay&Go kiosks, giving customers several payment options.
Monigo allows early repayment and publishes extension options of 7, 14 or 30 days in the customer account.

Things to consider

Monigo loan costs can include service, extension and late-payment fees, so compare the complete repayment amount rather than the headline rate alone.
An extension requires an extension fee, and using it after the original due date can also trigger late-payment charges.
Monigo terms state that late-payment fees may be charged repeatedly after the due date, so confirm the repayment date before borrowing.

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 735 8358
Emailinfo@monigo.lk
HoursMon–Sun, 8:30am–5:30pm
Official websiteVisit official website
QUESTIONS & ANSWERS

Frequently asked questions about Monigo

Loan24 currently shows 96–120 days as the comparison term. The final tenor is determined in the provider’s special terms.
Monigo terms state that early repayment is possible at any time, although the loan service fee may remain unchanged.
The terms describe an extension process using a loan-extension fee. The available amount and timing should be checked in the current special terms/account.
The published terms include scheduled late-payment fees on unpaid principal. Review the current agreement because the amount due depends on the specific loan.
No. Loan24 only compares public information. The lender/provider performs the assessment and determines the final amount, fees and decision.
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.

View all online lenders
Fino logo
FinoOnline lender
OnCredit logo
OnCreditOnline lender
CashX logo
CashXOnline lender
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.