OnCredit Sri Lanka ᐈ 0% for first loan Rs.120,000
Loan Amount
Loan Period
Probability of approval *
76%
OnCredit ➤ Get an instant cash loan up to Rs.120,000. Fast review, easy application and quick transfer to your bank account.
About
OnCREDIT - Instant Fast online loans for all in Sri Lanka. OnCredit believes strongly in providing access to financial services to all communities in the country, regardless of their status. This will help you meet your needs for money when you need it most. OnCredit is guided by its core principles, committed to providing convenience and innovative financial solutions to customers in need. OnCredit operates openly and securely and has taken all necessary steps to protect your data that has been entrusted to us.
OnCredit terms and conditions
| ✅ loan type: | loan online to bank account |
| ✅ loan amount: | from 2 000 to 120 000 LKR. |
| ✅ first loan: | 50 000 LKR. |
| ✅ loan term: | 1-183 days |
| ✅ % rate per day for new customers: | 0.01% |
| ✅ % rate per day for repeat customers: | 0.04% |
| ✅ age of borrower: | 20-55 years old |
| ✅ you must be employed: | yes |
| ✅ loan decision: | 5 min. |
| ✅ loan extension: | yes |
| ✅ collateral or guarantor: | not needed |
| ✅ APR annual interest rate: | 3.65-12% |
| ✅ what you need to apply: | only your NIC, mob. phone and email |
| ✅ the Customer’s monthly income shall be equal to or more: | 20000 LKR |
| ✅ the Customer’s residential address is located within: | Sri Lanka |
Just 3 few Easy Steps to get Online Loan

1. Fill out the application form online
Complete the application process in 5 minutes

2. Wait for approval
Get the results of the review the same day after completing the application through SMS.

3. Get money
You’ll receive money in your bank account.
The loan is calculated as follows*:
| Loan amount: | RS 5.000 |
| Loan period: | 121 days |
| Consulting fee: | RS 0 |
| Service fee: | RS 0 |
| Payment/month: | RS 2867 |
| Interest rate (12%/year): | RS 3600 |
| Total payment: | RS 8.600 |
*the calculation is not final, check with the manager for exact information
Consequences of late/non-payment of a loan
The Customer shall be required to pay a Late Payment Fee of Rupees Thousand (Rs. 1,000/-) on the next succeeding day after the pay day, if the customer default in payment. provided that the total amount of outstanding payment including principal, late payment and interest. The Late Payment Fee shall be charged in the following manner: Firstly, the Late Payment Fee shall be charged on the succeeding calendar one (1) day after the Pay Day (Pay Day + 1 day); Secondly, the Late Payment Fee shall be charged on the succeeding six (6) calendar days after the Pay Day (Pay Day + 6 days), ... read more
Benefits of lending in OnCredit
- revolving loan: yes
- ext. revolving loan fees/fees: none
- terms of the renewed loan: full repayment of the previous loan
- You will receive the money into your bank account that you provided in the application form
- OnCredit provides loans of up to 50,000 rupees on first use
- Reliability & Economy - Simple terms of granting loans, only through secure channels
- Application will take about 5 min and you can do it on your smartphone or PC
- Fast issue of loans online 7 days a week, 24 hours a day
- You always know how much you need to repay
- No hidden fees, maximum transparency in the choice of the amount, term and date of loan repayment
- Respect for each client, user-friendly interface and humane support. Getting a loan is easy
- Repay through your bank branch or with internet bank service
OnCredit: phone, address, contacts
| name company: | OnCredit (Pvt) Ltd |
| registration no.: | PV00232746 |
| website: | www.oncredit.lk |
| phone: | +94117811555 |
| e-mail: | This email address is being protected from spambots. You need JavaScript enabled to view it. |
| applications accepted: | 24/7 |
| contact Center working hours: | 8:30am-5:30pm, Monday-Friday |
| legal address: | 00300, Colombo 07, Sri Lanka, No. 106, Dharmapala Mawatha |
Frequently asked questions about OnCredit
✅ How to get a loan?
✅ How much money is available on credit?
✅ What are the requirements from OnCredit?
✅ How do I get the money?
✅ What documents are needed to apply for a loan?
✅ In which regions does the company provide services?
✅ How to pass photo verification?
✅ Can I get another loan?
✅ How to repay and pay for a loan in OnCredit?
- You can repay through Online card payment method. It’s safety, quickly and easy and also without any commission
- Bank deposit. Using your internet bank or by ATM/CDM machines
- Cargills Food City
- Pay&Go kiosks
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