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.
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
What the app listing says
Monigo.lk’s Google Play listing gives different figures from its website. As of 14 October 2026, the listing says:
- APR 1%–1,087%
- Loans of 3,000–150,000 LKR
- Rs. 200 onboarding fee for new customers
- Late fees of 10% added on the 3rd, 6th, 11th, 16th and 30th day after the due date
- Its example of a repeat 9-month loan: Rs. 50,000 borrowed, Rs. 310,500 in service fees, Rs. 360,500 to repay (APR 828%)
Check the total repayable shown in the app or on the website before you accept a loan. See the Google Play listing.
Contact and repayment
- Phone
- 117358358
- info@monigo.lk
- Service hours
- Monday – Sunday, 8.30am – 5.30pm
- How to repay
- Pay online through Pay&Go using the “Pay” button on Monigo’s site, then upload your payment details on its payments page.
- Official repayment page
- monigo.lk/payments
Only pay through the lender’s own website, app or the payment options it lists. Scammers pretend to be lenders and ask for payment to other accounts.
Monigo.lk and Fino.lk
Fino.lk is run by the same company as Monigo.lk, S F Group (Private) Limited (PV 00221752), with the same loan amounts, terms and maximum APR. Read our Fino.lk review.
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.
Used by borrowers across Sri Lanka
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APR, total repayable and the lender registration — all in one place.
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