Online loans in Sri Lanka
at the real rate
Every APR comes straight from the lender's own published disclosure, with the date we checked it. Not promotional rates — the real cost.
Totals are calculated from each lender’s published APR. The exact amount is set by the lender.
A better way to compare loans
Most Sri Lankan sites show only the "0% first loan" promotion. We show the real annual percentage rate — sometimes above 190%.
From official disclosure
We do not copy figures from other comparison sites.
Dated verification
Every figure carries the date it was confirmed.
No hidden costs
The total repayable amount is shown plainly.
Independent
We do not lend and own no part of any lender.
September 2026
Online loans in Sri Lanka — ranked by APR
Ordered by annual percentage rate, not by commercial fee.
Representative example — from Monigo's own disclosure
- Loan amount
- Rs. 80,000
- Term
- 91 days
- Annual percentage rate
- 190%
- Total repayable
- Rs. 118,000
- Cost of credit
- Rs. 38,000
What "0% first loan" actually means. It is a promotion for new customers only. From your second loan the maximum APR applies. Check the total repayable amount before you borrow.
Loan types
Choose the kind of borrowing you need.
Online loans
Approved in minutes. Short terms, high APR.
Bank personal loans
Lower rates, longer terms, more paperwork.
Gold loans and pawning
Priced by weight. Banks and licensed pawnbrokers.
Vehicle leasing
Cars, motorcycles and three-wheelers.
Business loans
SME lending and government subsidised schemes.
Credit cards
Capped at 28% a year by CBSL. Far cheaper than an online loan.
CRIB report
How to obtain and read your credit report.
Used by borrowers across Sri Lanka
Know the real cost before you borrow
APR, total repayable and the lender registration — all in one place.
Compare rates