Everything You Wanted Becomes Real With OnCredit

Every time you open your social media pages, be it Facebook, Instagram, YouTube or TikTok, they are full of people your own age seemingly living fabulous lives; elaborate birthday parties, weekend hotel trips, luxury clothes and accessories, grand homes and supercars. You can’t help but wonder how they can afford such lavish lifestyles and feel bad about your current situation. However, the reality is that in today’s world and economic conditions, hardly anyone can really afford the kind of lifestyles that they portray on social media, and that is something you should never yearn for or feel bad about in comparison. That being said, life is short and you need to enjoy yourself while you can. That’s where we come in.

The Need

Have you ever found yourself badly wanting or needing something that you came across on the internet or on the TV, but being just a couple thousand rupees short and payday just too many days away to satisfy your desire? It might be a Flash Sale for a weekend getaway or at your favourite online store that would save you a lot of money in the long run. At a time like this, when you could really use a quick, short-term cash loan, which can help you purchase whatever you want, whenever you want it. At such instances, OnCredit is there to help.

How Can OnCredit Help you?

At OnCredit, you can apply for and receive an online loan in Sri Lanka within just a few hours which you can promptly settle once your salary comes in. The only requirements for receiving this cash loan is that you need to be over 18 years of age, register with a valid mobile number, have a regular income and provide a photo of yourself and your National Identity Card. When you borrow for a salary advance with OnCredit, the entire process can be completed without even needing to leave your seat. The best part out of all is that you can have your money in the Bank account within a number of minutes. It’s that simple.

The Benefits of Using OnCredit

If you figure out how to use OnCredit smartly, you may find that you actually save more money than you spend. “How is this possible? What about the interest and service fees” you might wonder. If you take advantage of flash promotions and cash payment discounts on items you were anyway planning on buying once you had the money saved up, by taking a quick loan from OnCredit, your net expenses might actually be lower in the long run even taking into account the interest rates and service fees. However, this is a practice you must be very careful about.


The crucial part of getting a loan is to understand the fees and amounts you need to pay when paying back the loan. With OnCredit, you are able to clearly see all fees associated with your loan throughout the application process. OnCredit has taken extra measures to show all your fees associated with your loan at every step of the customer registration process. In addition to this, customers are also able to login to their personal portal and find out important information of your fees and repayment dates.

No Collateral/Physical Documentation Requirements

No Collateral/Physical Documentation Requirements

Getting a loan is usually a tiresome process for customers. The traditional way sets you back in time when you need to submit so much documentation or paperwork the institution requires. Traditional financial institutions give a list of many documents that you need to submit for credit evaluation before being able to get a loan. Furthermore, apart from documentation, you also need to provide for collateral against the loan. This whole process is omitted if you take a loan online via OnCredit.lk. Their process is fast and they require absolutely no documentation or collateral.

The Things to Worry About

Borrowings that you cannot repay

Borrowings that you cannot repay

Although when dealing with cash loans and online loans, you must be very careful and never borrow for salary advances that you cannot repay. It is important and essential that you maintain a good credit score and repay your loan on time so that you can avoid all the callings by collection agents.

Inability to get another loan from any other alternatives

In case you get blacklisted by not paying up your loan on time, or not at all, there is a high possibility that your details will be blacklisted within the company and you would not be able to get another loan in the future. Most often than not, you also would not be able to get a loan through any other payday loan lenders online as certain times they have a risk sharing model in place between companies which will keep you away from getting a loan.


All in all the benefits outweigh the drawbacks of using OnCredit as your loan provider. If you manage to master financial management, using the support of quick cash loans you can actually improve your living standards and even enjoy little luxuries you previously thought were unattainable.

So next time you find yourself wistfully watching the time run out on a great online sale or flash promotion that came just a few days before your salary date, and telling yourself that you just cannot afford it, think again. Life is short and money can always be made. Experiences are what’s important. Live your best life with OnCredit! You can easily apply for a loan at OnCredit.lk at your convenience at home or away, when in need and enjoy desires whenever you need.

Get started today with the simple process and get your loan amount deposited in the bank account instantly upon application. Try today!