Monigo.lk review
Monigo.lk is an online lending service operated in Sri Lanka by S F Group (Private) Limited. Every figure below comes from Monigo.lk's own published disclosure.
Verified from official disclosure · 2026-09-04
APR up to 190%. Monigo.lk's own disclosure states a maximum annual percentage rate of 190% a year. Some comparison sites publish figures far below this. Check the total repayable before you borrow.
Basic information
- Loan amount
- Rs. 3,000 – 150,000
- Term
- 91 – 180 days
- Maximum APR
- 190% a year
- Age
- 20 – 60
- Income
- Stable income required
- Coverage
- Countrywide
- Service hours
- Monday–Sunday, 8.30am – 5.30pm
Representative example
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
Advantages and disadvantages
Advantages
- Fully online application — no guarantor needed
- Money transferred straight to your bank account
- Available countrywide
- Registered in Sri Lanka (PV 00221752)
Disadvantages
- Maximum APR 190% — far above a bank personal loan
- Short repayment window (six months at most)
- Stable income is mandatory
- Late fee details are not clearly stated on the official site
How to apply
- Go to www.monigo.lk
- Choose your loan amount and repayment period
- Register with your NIC and bank account details
- Complete and submit the application
- On approval, money is transferred to your bank account
For information only. LoanLanka does not lend.
Company information
- Company name
- S F Group (Private) Limited
- Registration number
- PV 00221752
- Address
- No. 341/5, M & M Center, Level 01, Kotte Road, Rajagiriya
- Parent company
- SF Treasury SG Pte. Ltd. (Singapore, UEN 201833881E)
- Telephone
- 117358358
- info@monigo.lk
Frequently asked questions
What is Monigo.lk's real interest rate?
The official disclosure states a maximum APR of 190% a year. Promotional rates for new customers may differ.
How long is the repayment period?
91 to 180 days. Some comparison sites publish this incorrectly.
Do I need a CRIB report?
The official site does not state clearly how credit history is checked. Checking your CRIB report first is sensible.
What if I cannot repay?
Late fees and collection procedure are set out in the lender's terms and conditions. Contact the lender immediately if you run into difficulty.