Loan rates in Sri Lanka
Every rate here is read from the lender’s own website and shown with the date we checked it.
Rates checked 14 October 2026 on each lender’s own website
Personal loan rates
NSB, BOC and Cargills Bank personal loan rates, from 11.50% a year.
Gold loan and pawning rates
14.00%–16.50% a year at six lenders, with advances per sovereign.
Housing loan rates
NSB and BOC home loans, from 9.50% for first-home buyers.
Leasing and vehicle loan rates
BOC leasing 12.75–16.50% and NSB vehicle loans 13.00–13.50%.
Loans for your situation
Rates for government employees, pensioners and migrant workers.
Business loan rates
BOC SME and development loan rates, from 10% a year.
Legal guides for borrowers
Pawnbrokers Ordinance, Debt Conciliation Board and Finance Leasing Act.
Online loan rates
Monigo, CashX, LoanPlus and OnCredit, ordered by cost.
Calculators
Monthly instalments, gold loan amounts and online loan costs.
Rates compared
| Lender | Product | Rate a year | Source |
|---|---|---|---|
| National Savings Bank (NSB) | Pawning, ordinary savings account holders | 14.75% | Lender’s site effective 10 September 2026 |
| Pawning, “Shree” account holders | 14.25% | ||
| Seylan Bank | 12-month pawning | 14.50% | Lender’s site |
| 3-month Gold Loan | 14.50% | ||
| 3-month Gold Loan Plus | 15.50% | ||
| 6-month Gold Loan Plus | 14.00% | ||
| Bank of Ceylon (BOC) | Pawning | 15.00% | Lender’s site |
| Regional Development Bank (RDB) | 3 months | 16.00% | Lender’s site effective 2 September 2026 |
| 6 months | 16.00% | ||
| 1 year | 14.90% | ||
| People’s Bank | Swarna Pradeepa pawning, normal customers | 16.50% | Lender’s site |
| Vanitha Vasana, Harvest, PFCA and Ehera Vasana account holders | 16.00% | ||
| LB Finance PLC | — | Not published | Lender’s site |