Cargills Bank PLC · Personal Loan

Personal Loans

#36 of 49 · Lower than 22% of personal loans that publish a rate.

Interest rate p.a.: Up to 16%
Maximum amount: LKR 7.5M
Maximum term: 7 yrs

Rates and terms last verified 8 July 2026. Confirm the current terms with the bank.

Full details on Cargills Bank PLC's website

Tell us what you need and we will check which banks and finance companies on our panel could take your application. We are not a bank and do not lend. Approval and final terms are decided by the bank or finance company.

About this personal loan

Features

We grant Loans for up to 5 Years for salaried and up to 7 Years for professionals.
We offer you very attractive variable and fixed interest rates
Salaried employees can enjoy loans up to Rs.5.0Mn. and professionals can go up to Rs.7.5Mn

Who can apply

You’re aged 18 to 50, and working as a ‘permanent & confirmed’ employee in an established Company / Institution
You have a valid Sri Lankan National Identity Card / Passport / Driver’s License.
You being a salaried employee drawing a monthly gross salary above Rs.100,000/- OR

Interest rate p.a.

Up to 16%

Check My Eligibility

Personal Loans: common questions

What is the interest rate on the Personal Loans?

Cargills Bank lists Up to 16% per annum for the Personal Loans. That is a ceiling; the rate you are offered depends on your profile. Lower than 22% of personal loans that publish a rate.

How much can I borrow, and for how long?

The Personal Loans goes up to LKR 7.5M, repaid over up to 7 yrs. The amount you are approved for depends on your income and existing repayments.

Who is eligible for the Personal Loans?

About the Personal Loans

The Personal Loans is a personal loan from Cargills Bank in Sri Lanka. Its listed rate is Up to 16.00%. The features, eligibility and documents above come from the bank's published terms; confirm them with Cargills Bank before you apply, as rates and conditions change.

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.

See every personal loans from Cargills Bank or compare personal loans from every bank.

You being a professional drawing a monthly gross salary above Rs.150,000/-

Documents you'll need

Duly completed Personal Loan Application.
Evidence of Identification
Copy of NIC / Valid Driving License or Passport.
Professionals – Copy of Professional Membership ID and /or documentary evidence on professional qualification
Salary Slips for the Last 3 months & bank statements reflecting salary credits
Assets Declaration

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You’re aged 18 to 50, and working as a ‘permanent & confirmed’ employee in an established Company / Institution You have a valid Sri Lankan National Identity Card / Passport / Driver’s License. You being a salaried employee drawing a monthly gross salary above Rs.100,000/- OR You being a professional drawing a monthly gross salary above Rs.150,000/-

What documents do I need?

Duly completed Personal Loan Application.; Evidence of Identification; Copy of NIC / Valid Driving License or Passport.; Professionals – Copy of Professional Membership ID and /or documentary evidence on professional qualification; Salary Slips for the Last 3 months & bank statements reflecting salary credits; Assets Declaration.

How do I apply for the Personal Loans?

Use the button on this page to send one application through AnyBanQ, or contact Cargills Bank directly. AnyBanQ is not a bank or lender; approval and final terms are decided by Cargills Bank.