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OnCredit Online Loan in Sri Lanka

Compare OnCredit Sri Lanka loan information: new and repeat loan terms, requirements, application steps, repayment, company contacts and alternatives.

Information checked 14 August 2026
OnCredit logo
4.5The 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. 5,000–120,000
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 OnCredit

OnCredit is an online loan service in Sri Lanka operated by OnCredit (Private) Limited. Users can register and submit an online loan application through the website or mobile app, provide the requested personal, employment and bank details, and manage the process without visiting a physical branch.

OnCredit is intended for Sri Lankan citizens or residents with a regular source of income. Identity verification may include an NIC, a selfie or other supporting information, while the final approved amount, pricing and repayment conditions depend on the individual application and the terms presented by the online lender.

Customers can manage repayments through supported digital channels, including the iPay app, and OnCredit provides customer support seven days a week. Current repayment instructions, due dates and fees should be checked in the customer account or loan agreement before making a payment.

Requirements and documents

  • Age 20–60 years.
  • Sri Lankan citizenship or residence with a residential address in Sri Lanka.
  • Valid NIC and identity verification, including the documents requested by OnCredit.
  • Active mobile phone and contact details.
  • Active bank account for receiving approved funds.
  • Regular or stable income; a verification call may be required during assessment.

How to apply

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

OnCredit publishes a calculator example for a Rs. 3,500 loan at a 2% daily rate, equal to a Rs. 70 fee per day. The provider page also displays an APR of 730% for that pricing example; check the current calculator and final agreement for the terms offered to you.

Repayment, extension and late payment

  • OnCredit provides repayment instructions in the customer portal and asks customers to include the Loan ID in the payment reference and upload the payment slip.
  • A loan-prolongation option may be available by paying the minimum amount displayed in the account or confirmed by customer service.
  • The terms allow the provider/lender to set service fees, prolongation fees and late-payment fees in the agreement.

Key features

Applications are accepted 24/7, allowing users to submit an online request outside customer-service working hours.
OnCredit offers both a website and mobile app, with digital identity verification using NIC details and the requested identity images.
Approved funds are transferred to the applicant’s bank account, while repeat customers can access different loan limits and terms.
Repayments can be made online, including through the iPay mobile application, without visiting the OnCredit office.

Things to consider

First-loan promotions and the amount available to repeat customers can differ, so check the current OnCredit offer and your final agreement.
OnCredit accepts applications 24/7, but approval still depends on verification and bank processing can affect when approved funds arrive.
Late-payment fees can increase the cost quickly if a payment is missed, so confirm the due date and late-payment terms before accepting the loan.

Company and contact information

Legal entityOnCredit (Private) Limited
Company No.PV00232746
AddressNo. 106, Dharmapala Mawatha, Colombo 07, Sri Lanka
Phone+94 11 781 1555
Emailinfo@oncredit.lk
Support hours8:30am–5:30pm, Monday–Sunday
Official websiteVisit official website
QUESTIONS & ANSWERS

Frequently asked questions about OnCredit

Yes. OnCredit supports online applications through its website and mobile app.
OnCredit’s application guide lists a National Identity Card, selfie and bank-account details, together with personal and employment information.
No. The current OnCredit website displays different amounts, terms and pricing for new and repeat customers. Check the current calculator before applying.
OnCredit publishes a loan-prolongation process. The available extension and minimum payment depend on the current account and agreement.
No. Loan24 is a comparison service. OnCredit and the relevant lending party determine approval, final terms and disbursement timing.
Note: Loan terms and provider information may change. Always rely on the final agreement presented by the online lender before accepting a loan.
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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.