Compare Personal Loans in Sri Lanka
137 personal loans from 43 banks and finance companies, side by side. The lowest published rate is 7% (SME Re-Energizer Loan, NDB Bank), against a median of 14.95%. 88 don't publish a rate — we show those as "Ask bank".
Updated 23 October 2026 · rates as published by each institution
- Personal loans
- 137
- from 43 institutions
- Lowest rate
- 7%
- NDB Bank
- Median rate
- 14.95%
- of 49 with a published rate
- Largest loan listed
- LKR 50M
Find your cheapest personal loan
Pick an amount and a term — we rank every personal loan with a published rate by monthly instalment.
Repayment period
- #1 · Lowest instalment7%
NDB Bank
SME Re-Energizer LoanLKR 19,801 /month
Total interest LKR 188,072 over 5 yrs
- #27%
Seylan Bank
Tea Smallholders Loan SchemeLKR 19,801 /month
Total interest LKR 188,072 over 5 yrs
- #38%
DFCC Bank
SMILE IIILKR 20,276 /month
Total interest LKR 216,584 over 5 yrs
Choosing the cheapest over the dearest fitting loan saves about LKR 443,579 over the term. Indicative, on a reducing balance at each bank's published rate; fees, insurance and your profile change the final figure. 88 more personal loans don't publish a rate — see the list below.
EMI calculatorAbout personal loans in Sri Lanka
AnyBanQ lists 137 personal loans from 43 Sri Lankan banks and finance companies, including DFCC Bank, Commercial Bank, NDB Bank, Seylan Bank and Amãna Bank. Listed rates currently run from 7% to 16.5%. Filter the list above by bank or feature, save the ones you like, and compare up to three side by side.
Before taking a personal loan, compare the interest rate and whether it is fixed or floating, the maximum amount and repayment period, processing fees, early settlement charges, and the income and documents each lender asks for.
Personal Loans by bank: DFCC Bank, Commercial Bank, NDB Bank, Seylan Bank, Amãna Bank, PABC Bank, LCB Finance, Sampath Bank, Alliance Finance, NSB Bank, RDB Bank, People's Leasing & Finance, Sarvodaya Development Finance, SDB Bank, HDFC Bank, Commercial Credit Finance, Fintrex Finance, HNB Finance, Cargills Bank, MBSL Finance, HNB Bank, LB Finance, SBI Bank, CDB Finance, SMB Finance PLC, Siyapatha Finance, Mahindra Ideal Finance, Mercantile Investments and Finance, Union Bank, Habib Bank, NTB Bank, SLS Bank, Dialog Finance, Vallibel Finance, Softlogic Finance, UB Finance, Singer Finance, Senkadagala Finance, Richard Pieris Finance, Janashakthi Finance, Assetline Finance, Asia Asset Finance, PMF Finance.
Frequently asked questions
How do I get a personal loan in Sri Lanka?
Choose a bank or licensed finance company, check its eligibility rules (age, minimum income, employment), and submit an application with your NIC, salary slips or proof of income, and bank statements. On Anybanq you can compare personal loan interest rates and maximum amounts across Sri Lankan banks and apply online.
What documents are needed for a personal loan in Sri Lanka?
Typically your National Identity Card (NIC), last 3 months' salary slips or business income proof, 3–6 months of bank statements, and sometimes a guarantor. Requirements vary by bank — each product page on Anybanq lists the exact documents needed.
What affects personal loan interest rates in Sri Lanka?
Rates depend on the Central Bank of Sri Lanka policy rates, the lender, your income and credit history (CRIB record), the loan amount and tenure, and whether the rate is fixed or variable. Comparing several banks before applying usually saves significantly over the loan term.
Can I get a personal loan with a bad CRIB record?
It is harder but not impossible. Some banks and finance companies consider applicants with past CRIB issues at higher rates or with a guarantor or collateral. Clearing arrears and maintaining six months of clean repayment history improves approval chances.