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Online Loan App Sri Lanka

Online loan apps in Sri Lanka allow users to manage part or all of the borrowing process from a smartphone. Features, eligibility requirements, loan amounts and repayment conditions vary between apps and online lenders. Loan24.lk helps you compare loan app options and review the main conditions before continuing.

Compare offersHow it works
Sri Lankan people comparing online loan apps
Rs. 5,000Rs. 250,000
5 days180 days

Compare available loan offers

Compare loan offers by amount, term and key conditions. Use the filters above to narrow results and find a suitable option.

8 of 8 offers

Fino

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.
Short-Term LoanMobile AppFirst-loan promo
AmountRs. 5,000–150,000
Term96–120 days
Interest rate16% / year
Age20–55
Apply Now

About the company: Fino is an online lending service in Sri Lanka with a digital application process available through its website and mobile app. Applicants can select a loan amount online, submit their details and wait for the lender’s decision. If approved, the loan is provided according to the terms confirmed by Fino.

Requirements: Age 20–55; Sri Lankan citizenship or residence; valid NIC; active mobile number; Sri Lankan bank account.

Example calculation: Rs. 10,000 for 96 days at 16% p.a. is about Rs. 421 in interest and Rs. 10,421 total before any additional fees.

Important: Interest rates, fees and other loan terms may change. The final terms and approval decision are determined by the lender after reviewing your application.

View lender details

OnCredit

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.
Urgent CashMobile AppSame-day decision
AmountRs. 5,000–120,000
Term120–180 days
Interest rate16% / year
Age20–55
Apply Now

About the company: OnCredit is a Sri Lankan online lender with a digital application process available through its website and mobile app. Applicants choose a loan amount, submit personal details, identification and bank information, and wait for the lender’s decision. Approved funds are transferred to the applicant’s bank account.

Requirements: Age 20–55; Sri Lankan citizenship or residence; valid NIC; active mobile number; Sri Lankan bank account.

Example calculation: Rs. 10,000 for 120 days at 16% p.a. is about Rs. 526 in interest and Rs. 10,526 total before any additional fees.

Important: Interest rates, fees and other loan terms may change. The final terms and approval decision are determined by the lender after reviewing your application.

View lender details

CashX

4.7The 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.
Short-Term LoanMobile Cash24/7 Application
AmountRs. 5,000–250,000
Term5–180 days
Interest rate12% / year
Age20–60
Apply Now

About the company: CashX is a fully online lending service in Sri Lanka with applications available through its website and mobile app. Applicants select a loan amount, complete the online form and provide the required identification details for review. After approval, the funds are transferred to the borrower’s bank account.

Requirements: Age 20–60; Sri Lankan citizenship or residence; valid NIC; active mobile number; Sri Lankan bank account.

Example calculation: Rs. 10,000 for 30 days at 12% p.a. is about Rs. 99 in interest and Rs. 10,099 total before any additional fees.

Important: Interest rates, fees and other loan terms may change. The final terms and approval decision are determined by the lender after reviewing your application.

View lender details

Soso

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.
Urgent CashMinimal documents24/7 Application
AmountRs. 5,000–200,000
Term96–120 days
Interest rateVerify
Age20–60
Apply Now

About the company: Soso is an online loan comparison service for users in Sri Lanka. Applicants submit an enquiry, receive available loan offers and choose the option they prefer. The loan agreement, approval and transfer of funds are handled by the selected financial provider.

Requirements: Age 20–60; Sri Lankan citizen; valid NIC details; e-mail address; active mobile number; bank account. No collateral or guarantor is normally required by the service.

Example calculation: A numeric example is not shown until the current interest rate is verified. Check the provider’s final interest rate, fees and total repayment before accepting an offer.

Important: Interest rates, fees and other loan terms may change. The final terms and approval decision are determined by the lender after reviewing your application.

View lender details

LoanPlus

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.
Short-Term LoanNo collateralEarly repayment
AmountRs. 5,000–250,000
Term5–180 days
Interest rate16% / year
Age20–60
Apply Now

About the company: LoanPlus is an online lending platform offering digital loan applications to users in Sri Lanka. Applicants create an account, provide their NIC and personal details, and review the available loan terms online. After approval and completion of the agreement, the funds are transferred to the applicant’s bank account.

Requirements: Age 20–60; Sri Lankan citizenship or residence; valid NIC; active mobile number; Sri Lankan bank account.

Example calculation: Rs. 10,000 for 30 days at 16% p.a. is about Rs. 132 in interest and Rs. 10,132 total before any additional fees.

Important: Interest rates, fees and other loan terms may change. The final terms and approval decision are determined by the lender after reviewing your application.

View lender details

Monigo

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.
Mobile LoanNo salary slipsNo collateral
AmountRs. 5,000–150,000
Term96–120 days
Interest rate14% / year
Age20–60
Apply Now

About the company: Monigo is an online loan service in Sri Lanka with a digital application process. Applicants choose the loan amount and repayment period, complete the online form and wait for the application review. If approved, the funds are transferred to the applicant’s nominated bank account.

Requirements: Age 20–60; Sri Lankan citizenship or residence; valid NIC; active mobile number; Sri Lankan bank account.

Example calculation: Rs. 10,000 for 96 days at 14% p.a. is about Rs. 368 in interest and Rs. 10,368 total before any additional fees.

Important: Interest rates, fees and other loan terms may change. The final terms and approval decision are determined by the lender after reviewing your application.

View lender details

SOS Credit

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.
Loan AppPaperlessMinimal documents
AmountRs. 5,000–200,000
Term96–120 days
Interest rate15% / year
Age20–60
Apply Now

About the company: SOS Credit is an online loan service for users in Sri Lanka with an application process that can be completed remotely. Applicants submit personal and contact details, provide the required documentation and wait for the lender’s decision. If approved, the funds are transferred to the borrower’s bank account.

Requirements: Age 20–60; Sri Lankan citizenship or residence; valid identification; active phone number and e-mail; active bank account.

Example calculation: Rs. 10,000 for 96 days at 15% p.a. is about Rs. 395 in interest and Rs. 10,395 total before any additional fees.

Important: Interest rates, fees and other loan terms may change. The final terms and approval decision are determined by the lender after reviewing your application.

View lender details

Credify

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.
Mobile LoanLow credit scoreMinimal documents
AmountRs. 5,000–200,000
Term96–120 days
Interest rate15% / year
Age20–60
Apply Now

About the company: Credify is an online loan comparison service for Sri Lanka rather than a direct lender. Users submit an application to receive and review offers from participating financial providers. The selected lender determines the final approval, interest rate, fees and repayment terms.

Requirements: Age 20–60; Sri Lankan citizenship or residence; valid NIC; active mobile number; Sri Lankan bank account.

Example calculation: Rs. 10,000 for 96 days at 15% p.a. is about Rs. 395 in interest and Rs. 10,395 total before any additional fees.

Important: Interest rates, fees and other loan terms may change. The final terms and approval decision are determined by the lender after reviewing your application.

View lender details
LogoCompanyAmountTermInterest rateAge
FinoFinoRs. 5,000–150,00096–120 days16% / year20–55Apply now
OnCreditOnCreditRs. 5,000–120,000120–180 days16% / year20–55Apply now
CashXCashXRs. 5,000–250,0005–180 days12% / year20–60Apply now
SosoSosoRs. 5,000–200,00096–120 daysVerify20–60Apply now
LoanPlusLoanPlusRs. 5,000–250,0005–180 days16% / year20–60Apply now
MonigoMonigoRs. 5,000–150,00096–120 days14% / year20–60Apply now
SOS CreditSOS CreditRs. 5,000–200,00096–120 days15% / year20–60Apply now
CredifyCredifyRs. 5,000–200,00096–120 days15% / year20–60Apply now

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* Promotional rates, if available, may apply only to specific customers, amounts or periods. Final terms and approval are determined by the lender. Verify all current information on the provider website.
HOW IT WORKS

Four steps from comparison to application

Loan24 helps with comparison. The online lender handles the application, assessment, approval and loan agreement.

1

Set your parameters

Choose the amount and repayment period that suit the comparison you want to make.

2

Compare offers

Review displayed amounts, terms, rates, fees and basic requirements in one format.

3

Verify the online lender terms

Open the provider page and check current conditions, eligibility and total repayment.

4

Apply on the lender website

If the offer fits, continue to the selected online lender or comparison service website and submit the application there.

WHY USE LOAN24

Why compare online loans with Loan24.lk?

✓

Compare key terms

View loan amount, term, interest rate and age requirements in the same card format.

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Filter loan offers

Use amount, term and feature filters to narrow the catalogue to offers that match your preferences.

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Check requirements

Open More details to review online lender requirements, example calculations and important conditions before applying.

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Continue to the online lender

Choose an offer and continue to the selected online lender to complete your application.

24

Compare the cost

Look beyond the headline rate and compare interest, fees and total repayment before choosing an offer.

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Responsible borrowing

Borrow only what you can afford to repay and review the final loan terms before accepting an offer.

Online loan comparison illustration
CHECK BEFORE YOU APPLY

Do not choose an offer by speed alone

A fast application can be convenient, but the total borrowing cost and your ability to repay matter more.

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Total repayment

Check interest, processing fees, service charges and any other mandatory costs.

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Repayment date

Make sure the due date and repayment schedule fit your expected income.

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Online lender identity

Use the provider's official website and verify the company details shown there.

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Late-payment consequences

Read the agreement for default fees, collection procedures and other consequences.

QUESTIONS & ANSWERS

Frequently asked questions

An online loan app is a mobile application used for part of a loan process, such as submitting information, identity verification, tracking an application or managing repayment.
No. Some providers use mobile-friendly websites instead of a dedicated app. Check the selected provider’s current application method.
Use the provider’s intended website or official app-store link where available. Avoid installing apps from unknown files, messages or unofficial download pages.
Requirements vary, but identity, contact, bank and application-assessment information may be requested. Review the provider’s instructions and privacy information before submitting data.
No. An app can make submission more convenient, but approval and processing time still depend on the online lender’s assessment and verification process.
USEFUL INFORMATION

Online loan app in Sri Lanka: how to compare apps and apply more safely

People searching for an online loan app in Sri Lanka usually want a convenient way to research, apply for or manage a loan from a smartphone. Some online lenders offer a dedicated app, while others use a mobile-friendly website, so installing an app is not always required to complete an online application.

Before choosing an app, compare the underlying loan conditions first: amount, term, interest rate, fees, total repayment and eligibility. A polished app or fast registration process does not tell you whether the loan itself is affordable or suitable.

Loan24 helps you compare online lenders and identify offers that include mobile-app features. When you decide to proceed, use the provider’s official website or verified app listing and review the final terms before submitting sensitive information.

Read more

What is an online loan app?

An online loan app is software used on a smartphone for part or all of the borrowing process. Depending on the provider, it may allow you to create an account, enter application details, upload identity information, check status or manage an existing loan.

The app is only the interface. The financial product behind it still has an amount, repayment term, interest rate, fees and eligibility rules that must be compared separately.

Do all online lenders have an app?

No. Some providers use only a website, and a mobile-friendly website can provide a complete application process without installing anything. Others offer both a website and an app.

If the app itself is not important to you, compare mobile cash loans more broadly. This includes mobile-friendly options even when no dedicated application is available.

How to find the official loan app

Start from the online lender’s official website where possible and follow its app-store link. Check the developer name, app description and other identifying information before installation. Avoid APK files or download links sent by unfamiliar people.

Searches for brand names plus “app,” “login” or “download” can attract impersonation attempts, so verify that you are using the intended provider channel before entering account credentials.

What permissions can a loan app request?

An app may need camera or file access for identity verification and document uploads. It may also request notification permissions or other access related to account functionality. Review permissions and consider whether they are necessary for the stated purpose.

Do not grant broad access simply because an app promises faster approval. If a permission seems unrelated to the service, review the provider’s privacy information before continuing.

What information may be required?

Loan apps can request the same types of information as web applications: identity details, contact information, bank information and other data used to assess the application. Some providers may request supporting documents; others may use a more streamlined digital process.

If you are concerned about paperwork, see the minimal-document online loan category for a clearer explanation of what “without documents” can and cannot mean.

Can a loan app provide instant approval?

An app can automate parts of the application process, but “instant” should not be treated as a guarantee. Approval depends on the provider’s assessment and may require verification or additional information.

Similarly, an approval decision does not always mean immediate disbursement. Banking schedules and provider processes can affect when funds become available.

Loan apps and 24-hour access

One advantage of a mobile app is that you may be able to start or manage an application outside office hours. This can be useful for users searching for online loans 24 hours a day.

However, application access and processing time are different. The app may be available 24/7 while manual checks or transfers occur only at certain times.

Compare the loan, not just the app rating

App-store ratings can tell you something about the user experience, but they do not replace the financial comparison. Review the loan amount, term, interest rate, fees, total repayment and late-payment rules.

A highly rated app can still offer a loan that does not fit your budget. The borrowing decision should be based on final terms and affordability.

How Loan24 helps compare loan apps

Loan24 cards identify mobile-app features where relevant and present the core loan conditions in the same layout. Use the filters to narrow offers and open More details for requirements and an example calculation.

You can also review providers in the Loan24 catalogue before continuing to their official application channel.

Protect your account and banking information

Use a strong password for loan-related accounts and do not share passwords, PINs or OTP codes with people who contact you unexpectedly. Be cautious with messages claiming that you must pay a fee or provide a code to release an approved loan.

When possible, access your account through the official app or provider website rather than links received in unsolicited messages.

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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.