Fino

  • Age, employment - 20-60 years old, have a steady income
  • Sum and terms - 3-6 month, Rs. 3000-20000
  • Fees rates - 8% per day
  • Telephone - Yes
  • Photo Verification - Yes 
  • Special proposition - Yes
 
  • Age, employment - 20-60 years old, have a steady income
  • Sum and terms - 5-30 day Rs.2000-100000
  • Fees rates - 0-12% per day
  • Telephone - Yes
  • Photo Verification - Yes 
  • Special proposition - Yes
 

Unexpected expenses, such as bills, medical services, or urgent purchases, can arise suddenly. Fino online loan offers Sri Lankan residents a quick solution: loans from 3,000 to 100,000 LKR transferred to your bank account in minutes. This service has a lot of advantages. Directly:

  1. The platform does not require guarantors, income statements, or lengthy checks, making it accessible to everyone, including students and freelancers. Over 100,000 customers trust Fino thanks to its transparent terms and convenience. 
  2. You can apply from any device — smartphone, tablet, or computer — and the money is transferred instantly, which is ideal for urgent financial tasks such as covering unexpected expenses or paying urgent bills.
  3. Fino stands out for its simple interface and minimal requirements, making it easy even for beginners to apply for a loan. 
  4. The platform operates around the clock, providing access to services at any time, day or night. This is especially important for Sri Lankans living in remote areas where access to banking services may be limited. 

The service is focused on maximum convenience, offering flexible terms and fast processing of applications.

How to apply for a loan: step-by-step instructions

The process of obtaining a fino loan is designed for maximum convenience. The application is submitted online, and the system processes it in minutes. All you need is Internet access and a valid ID (NIC). Whether you are in Colombo, Kandy, or another city in Sri Lanka, the money is transferred to your account almost instantly. 

The application process includes the following steps: 

  1. Registration: Create an account by providing your name, phone number, and email address.
  2. Select the amount and term: Specify the loan amount (3,000-100,000 LKR) and term (up to 30 days).
  3. Identity verification: Upload a photo of your NIC and a selfie to confirm your identity.
  4. Submit your application: Fill out a form with your details, including your bank account.
  5. Approval: The system reviews your application and makes a decision within minutes.
  6. Funds transfer: Once approved, the money is instantly transferred to your account.
  7. Repayment: Pay via banks, online systems, or partner channels.

These steps eliminate red tape, making the process quick and easy to understand. Your personal account allows you to track the status of your loan and submit new applications, which is convenient for regular customers. 

Loan terms and benefits

Fino offers flexible terms: loans of up to LKR 100,000 for up to 30 days. New customers can get their first loan of up to LKR 20,000 at 0% interest if they pay it back on time, which makes the service a great way to try out the platform.

Approximate loan terms

Characteristics

Description

Loan amount

3 000-100 000 LKR

Repayment term

Up to 30 days

Requirements

NIC, selfie, phone number

Approval time

A few minutes

First loan

0% up to 20,000 LKR

Repayment

Banks, online, partner channels

Availability

From any device

Fino provides transparency: the customer sees the total amount before confirming the request. The platform uses encryption to protect data, ensuring maximum confidentiality. Funds can be used for any purpose, from paying bills to medical expenses.

Why people trust Fino

The fino.lk platform has earned the trust of over 100,000 customers thanks to its reliability and speed. It operates under Sri Lankan law, ensuring the security of transactions. Users appreciate the simple interface and minimal requirements. A personal account allows you to manage your loans, and flexible repayment options are available nationwide. Fino is the ideal solution for urgent financial needs, whether it's paying bills or other expenses.