Loans
Compare Loans in Sri Lanka
Personal, housing and vehicle loans from banks and licensed finance companies, with the lowest published rates and who offers them. 265 products listed today.
Personal loans
Unsecured loans for any purpose, usually repaid over one to seven years against your salary.
- Products
- 137
- Lowest rate
- 7%
- Median rate
- 14.95%
- 1. SME Re-Energizer LoanNDB Bank7%
- 2. Tea Smallholders Loan SchemeSeylan Bank7%
- 3. ‘Manusavi’ Loan DFCC Bank8%
- Compare the rate and whether it is fixed or floating
- Salary-assignment loans are usually cheaper than open-market ones
- Check processing and early-settlement fees
Housing loans
Loans to buy, build or renovate a home, secured on the property and repaid over up to 25 years or more.
- Products
- 40
- Lowest rate
- Up to 14%
- Median rate
- 15.50%
- 1. HousingNSB BankUp to 14%
- 2. 'Viyana' ETF Home LoansNDB BankUp to 14.50%
- 3. Home LoansUnion Bank Up to 14.50%
- Many rates are fixed for a few years, then float with AWPLR
- Lenders usually finance a share of the valuation, not the full price
- Legal, valuation and mortgage-bond costs come on top
Vehicle loans & leasing
Leasing, hire purchase and auto loans for new and registered used vehicles.
- Products
- 88
- Lowest rate
- 12%
- Median rate
- 15.50%
- A flat rate looks lower than the same reducing-balance rate
- The share of value you can finance depends on the vehicle and current rules
- Comprehensive insurance is normally required for the term
Work it out first
Frequently asked questions
Which bank has the lowest loan interest rate in Sri Lanka?
It depends on the loan type and changes often. The panels above show the lowest published rate and the bank offering it for personal, housing and vehicle loans, refreshed from each bank's published terms.
What is the difference between a fixed and a floating rate?
A fixed rate stays the same for an agreed period, so your instalment doesn't change. A floating rate moves with a benchmark such as AWPLR, so instalments can rise or fall.
How much can I borrow?
Lenders look at your income, existing repayments and credit (CRIB) record; most cap total monthly repayments at a share of take-home pay. The loan affordability calculator gives an estimate before you apply.
Does AnyBanQ lend money?
No. AnyBanQ compares products and can pass one application to the banks and finance companies on its panel; the lender decides on approval and terms.