Monigo.lkS F Group (Private) Limited · PV 00221752
190%max APR
- Loan amount
- Rs. 3,000–150,000
- Term
- 91–180 days
Loans without documents in Sri Lanka
A "no document" loan still needs your National Identity Card. What it skips is the salary slips and guarantors a bank asks for. Here is what each lender really requires.
Updated 2 October 2026
What "no documents" really means
Online lenders do not ask for the paperwork a bank does: no salary slips, no guarantor, no branch visit. You still have to prove who you are and give them somewhere to send the money.
| Lender | What the lender asks for | Age |
|---|---|---|
| CashX.lk | National Identity Card and a mobile phone | 18–60 |
| OnCredit.lk | NIC or driving licence, an active bank account and a regular income. No collateral or guarantor | 18 and over |
| Monigo.lk | No guarantor or income documents; a stable income is expected | 20–60 |
| LoanPlus.lk | A steady source of income | 19–60 |
These are the requirements each lender states on its own website.
What you still need
- A valid National Identity Card. OnCredit.lk also accepts a driving licence.
- A bank account in your own name, for the money to be paid into.
- An active mobile number.
- A clear selfie photo, which most lenders ask for during the application.
Why it costs more
A lender that asks for no documents and no guarantor is taking more risk, and prices the loan to match. That is why these loans cost many times more than a bank loan.
| Lender | Lender’s own example | Cost | Per year |
|---|---|---|---|
| Monigo.lk | Rs. 80,000 for 91 days | Rs. 38,000 | 190% APR (published) |
| CashX.lk | Rs. 10,000 for 10 days | Rs. 2,200 | About 803% (our calculation) |
| LoanPlus.lk | Rs. 10,000 for 10 days | Rs. 2,300 | About 840% (our calculation) |
| OnCredit.lk | No clear example | Service fee 1.2% or 1.8% | Not published |
If you can provide salary slips and wait a few days, a bank personal loan costs around 15–25% a year.
Before you send anyone your NIC
Your NIC number and a selfie are enough for someone to misuse your identity. Make these checks first:
- Check who the lender is. A genuine lender publishes its company name, registration number and address.
- Never pay a fee up front. Be wary of anyone who asks for a "processing fee" before the loan is paid out.
- Read the total cost. Check the total you will repay and the late-payment charges before you accept.
- Protect your phone data. Avoid loan apps that ask for access to your contacts or photos.
Lenders for a loan without documents
You apply on the lender’s own site. Lenders are listed cheapest first.
CashX.lkA V Business Solutions (Private) Limited · PV00211145
≈803%a year · 2.2% a day (our calculation)
- Loan amount
- Rs. 5,000–300,000
- Term
- 5–30 days
LoanPlus.lkAIS IT Consulting Services (Private) Limited · PV00215063
≈840%a year · 2.3% a day (our calculation)
- Loan amount
- Rs. 5,000–300,000
- Term
- 5–30 days
OnCredit.lkOnCredit (Private) Limited · PV00232746
APR not published
- Loan amount
- Rs. 2,000–150,000
- Term
- 5–30 days
Frequently asked questions
Can I get a loan with only my NIC?
Close to it. CashX.lk asks for a National Identity Card and a mobile phone. All lenders also need a bank account to pay the money into, and most expect a regular income.
Can I get a loan without a guarantor?
Yes. OnCredit.lk states that no collateral or guarantor is required, and Monigo.lk asks for neither a guarantor nor income documents.
Can I get a loan without a job?
OnCredit.lk, LoanPlus.lk and Monigo.lk ask for a regular or steady income. CashX.lk’s site says it can help applicants with a low credit score or no job, but approval is still the lender’s decision.
Can I get a loan without a bank account?
No. Every lender listed here pays the loan into a bank account, and OnCredit.lk lists an active bank account as a requirement.
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