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SOS Credit Loan Comparison Service in Sri Lanka

Review SOS Credit Sri Lanka: service role, published terms, representative example, application flow, contact information and alternative online lenders.

Information checked 14 August 2026
SOS Credit 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. 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 SOS Credit

SOS Credit is an online loan comparison service that connects borrowers with online lenders in Sri Lanka. It operates as an independent intermediary, so the loan itself is provided by a third party rather than by SOS Credit.

Users can submit an online enquiry and review available loan options without face-to-face meetings or paper forms. Each application is evaluated individually by the selected online lender, which may offer a different amount or conditions based on its assessment.

Once an online lender is chosen, approval, fund transfer, repayment and any late-payment conditions are handled under that provider’s agreement. SOS Credit explains that repayments may be made through the provider’s customer profile or at bank branches, depending on the final loan.

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 SOS Credit.
  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

SOS Credit 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

  • SOS Credit is an intermediary, so repayment is made according to the selected lender’s instructions.
  • The site warns that lenders may charge interest or penalties for late payments.
  • Contact the lender promptly if you expect repayment difficulty and check whether any schedule change is available.

Key features

SOS Credit compares offers from multiple online lenders and lets users submit an online enquiry without visiting a physical branch.
The service uses the application details to present personalised loan options that can be reviewed before selecting a provider.
SOS Credit states that the online application process takes only a few minutes and can be used from anywhere in Sri Lanka.
The site publishes representative cost information and repayment guidance to help users compare offers before accepting a provider agreement.

Things to consider

SOS Credit compares loan offers rather than issuing the final loan itself, so approval, pricing and repayment terms come from the selected online lender.
The service publishes a representative APR example of 15% and a maximum APR of 365%; neither figure guarantees the rate in your final offer.
Late payments can lead to additional interest or other consequences under the provider agreement, so check the due dates and late-payment rules carefully.

Company and contact information

ServiceSoscredit.lk / SOS Credit
RoleOnline loan comparison / independent intermediary
OperatorLLC “Schaefer”
Operator addressLiela iela 9, Saldus, LV-3801, Latvia
Emailinfo@soscredit.lk
Official websiteVisit official website
QUESTIONS & ANSWERS

Frequently asked questions about SOS Credit

No. SOS Credit describes itself as an online loan comparison site and independent intermediary that connects users with lenders.
The current SOS Credit site states offers up to Rs. 200,000. The amount actually available depends on the lender and applicant.
It publishes Rs. 50,000 for 6 months, a monthly payment of Rs. 8,948, total repayment of Rs. 53,688 and APR 15%, while also stating a maximum APR of 365%.
The lender selected through SOS Credit sets repayment, extension and late-payment conditions.
No. Loan24 and SOS Credit are comparison/intermediary services. The selected lender makes the final approval 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

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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.