Frequently asked questions

Fino.lk is an online lending platform, which helps you to get a loan quickly to cover unexpected expenses. More information is available here.

To apply for a Fino.lk loan you must be:

• Sri Lanka citizen;
• 20 - 65 years old;
• Employed or with regular source of income.

More information is available here.

In Fino.lk, the first loan from 20 000 LKR is for free. You will see final amount and the offer in last application step. This is a promotion offered specifically for our new customers. The first Loan Promo is provided with discount only if it is repaid on time.

To obtain a loan from Fino.lk you only need to have a valid NIC and an active mobile phone number.

You will be well informed about the interest rate and service fee of the loan before confirming the loan agreement.

After you submit your loan application, we will notify you immediately on the application status or we will contact you in case of additional questions.

Application processing time can vary from 10 minutes to 1 working day during our working hours.

You will receive an SMS notification from Fino.lk that your loan application was approved. You can view the status of loan application in your Fino.lk account.

Please contact Fino.lk Customer Care, you can find more info here.

You can claim your loan via Bank Account transfer (you must be the Bank Account holder).

Yes, if you have an available loan limit, you can get an additional amount on top of the existing loan by submitting an application through your Fino.lk account.

The loan repayment is easy and convientient via:

• Payments via bank branches (Via branch Counter and Cash Deposit Machines)
• Fund transfer through any Bank
• Pay & Go Kiosks

For more details of payment instructions, please check here: repay

You can find all the details of the loan terms through your Fino.lk account.

No worries, fino.lk offers an option to extend your loan terms for 7, 14 or 30 days.

More info about extending the loan terms can be found by logging into your Fino.lk account.

Take into account that payment receiving into our system might depend on bank transfer speed.

If you want to clarify whether we have received your payment, please contact Customer Care, you can find more info here.

You can find your Loan agreement number in the top part of your Loan agreement which will be sent via email upon disbursement, or you can access your loan agreement in your personal account on the fino.lk web page.

Using Smartphone: Log in to fino.lk with your user credentials and select “My loan” from the menu. Your Loan agreement number will be visible there.

Using Personal Computer: Log in to fino.lk with your user credentials and select “My debt” from the menu. Your Loan agreement number will be visible there.

You can find your Loan due date extension fee in your personal account on the fino.lk web page.

Using Smartphone: Log in to fino.lk with your user credentials and select “My loan” from the menu. Your loan extension fee for 7 days, 14 days and 30 days will be visible there.

Using Personal Computer: Log in to fino.lk with your user credentials and select “My loan” from the menu. Your loan extension fee for 7 days, 14 days and 30 days will be visible there.

* You need to pay the exact amount indicated in your personal account. If the transferred amount is not sufficient for 30-day, 14-day or 7-day extension, it will be allocated as partial loan repayment. In such cases, all fees according to the loan agreement, including late payment fee for the overdue loan amount, will continue to accumulate.

You must mention your Loan agreement number and your National Identity Card number (NIC) when making a payment via any payment channel.

Note: Each time a payment is made, please make sure that your Loan agreement number/NIC number is clearly visible on a clear picture of the payment receipt and uploaded to fino.lk/payments. Please type the paid date according to the format (dd/mm/yyyy) and type the NIC number which is registered with us while uploading the slip.

Yes, you can repay the loan anytime before the due date.

In order to recover your password, go to fino.lk and press the Login button in the upper right corner of the page.

You will be taken to the login page and click on Forgot password.

You will be asked to enter the mobile phone number and we will send you a verification code to your phone number to proceed.

You will be asked to set up and confirm a new login password for your Fino.lk account to complete.

If you have changed your mobile number or your email address, it is necessary to complete several simple steps to update this information in your Fino.lk account Profile Settings.

If you wish to suspend your account, please send an email to info@fino.lk with the following details:

• Full name: As per the NIC
• Phone number: Associated with the account
• Reason for suspension: A clear statement specifying the reason for the request

What Happens If I Suspend My Account?

Your account will be suspended. If you need a new account, you can create one as a new client without any historical data from your previous account.

How Will I Know If My Request Has Been Processed?

Once your account is successfully suspended, you will receive an email confirmation.