In Sri Lanka, gold loans are becoming an increasingly popular choice for quick financing. They are designed as a fast solution for emergencies or unexpected expenses, with simple approval and quick payout directly to the borrower.
Best gold loans in Sri Lanka in September 2025 ⚜️
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Info and reviewLoan from LKR 2,000 to LKR 50,000 Minimum APR: 1% (First loan with 0% interest and service fee), Minimum period: 90 days, Maximum period: 180 daysSimple and secure loan terms Fast loan approvals 24/7 registration available Transparent fees, no hidden chargesFinoGet a loan
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Info and reviewLoan from LKR 3,000 to LKR 150,000 Minimum APR: 1% (First loan with 0% interest and service fee), Minimum period: 90 days, Maximum period: 180 daysFast service Only ID required 24/7 registration available Accept limited credit historyFinoGet a loan
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Info and reviewLoan from LKR 3,000 to LKR 150,000 Minimum APR: 1% (First loan with 0% interest and service fee), Minimum period: 90 days, Maximum period: 180 daysInstant loan approval No paperwork needed Easy to use platform Platform securityMonigoGet a loan
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Info and reviewLoan from LKR 5,000 to LKR 200,000 Credify.lk. Sri Lanka. Email: info@credify.lk. Maximum percentage interest rate (APR): 365%. Loan term: from 90 days to 12 months. Calculation example (representative example): Loan of RS 50 000 for 6 months, monthly payment RS 8 948, total amount RS 53 688, annual percentage rate APR 15%. Credify.lk is not a lender and does not grant loans. Each lender is licensed. The offers on the site do not include all financial companies or their products. We are not a loan company/loan broker, but we do offer loan comparison services and they are informative.Quick and simple Fast loan approval No hidden fees No credit history required Flexible repayment optionsCredifyGet a loan
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Info and reviewLoan from LKR 8,000 to LKR 80,000 If you borrow Rs 8,000 for 90 days (3 months), the interest accrued will be Rs 3,600, calculated as Rs 8,000 * 90 * 0.005. The total repayment amount is Rs 11,600, which is the sum of the loan principal and the interest. When repaid in three equal installments, each monthly payment will be Rs 3,866.67. Customers can obtain up to 50% discounts based on their payment and credit historyQuick and simple Fast loan approval Mobile-friendly No hidden teams Discounts availableLoanmeGet a loan
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Info and reviewLoan from LKR 5,000 to LKR 200,000 You borrow Rs. Apply for 10,000 and choose 5-day easy repayment, your 5-day payment will be only Rs. 12,300. So your total loan amount will be only Rs. 2300 per month.Fast loan approval High approval rate Clear terms Flexible repayment options User-friendly Bonuses availableLoanplusGet a loan
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Info and reviewLoan from LKR 5,000 to LKR 200,000 *Calculation example (representative example): Loan of Rs 50 000 for 6 months, monthly payment Rs 8 948, total amount Rs 53 688, annual percentage rate APR 15%.Easy to use No collateral required Quick loan disbursal Transparent termssosoGet a loan
With a reliable and customer-friendly gold loan service, you can easily meet your financial needs. Whether it’s for personal or business purposes, emergencies, or special occasions, a gold loan offers a quick and secure solution. With competitive interest rates and a hassle-free process, you get fast access to funds while keeping your gold safe. Through the Lafingo website, you can not only compare offers but also clearly understand loan interest rates and conditions, making the process simple and transparent.
🔒 Compare Sri Lanka’s best gold loans on Lafingo – secure, fast and free
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Info and review Monigo.lk Minimum APR: 1% (First loan with 0% interest and service fee), Minimum period: 90 days, Maximum period: 180 daysGet a loan
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Info and review Credify.lk Credify.lk. Sri Lanka. Email: info@credify.lk. Maximum percentage interest rate (APR): 365%. Loan term: from 90 days to 12 months. Calculation example (representative example): Loan of RS 50 000 for 6 months, monthly payment RS 8 948, total amount RS 53 688, annual percentage rate APR 15%. Credify.lk is not a lender and does not grant loans. Each lender is licensed. The offers on the site do not include all financial companies or their products. We are not a loan company/loan broker, but we do offer loan comparison services and they are informative.Get a loan
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Info and review Fino.lk Minimum APR: 1% (First loan with 0% interest and service fee), Minimum period: 90 days, Maximum period: 180 daysGet a loan
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Info and review Loanplus.lk You borrow Rs. Apply for 10,000 and choose 5-day easy repayment, your 5-day payment will be only Rs. 12,300. So your total loan amount will be only Rs. 2300 per month.Get a loan
Advantages of choosing a gold loan service
Quick access to funds in Sri Lanka
The gold loan process is fast, ensuring that you receive the loan money you need within a few hours, making it perfect for emergencies and urgent financial needs.
Gold loan’s flexible loan amount
The amount you can borrow is directly related to the value of your gold. You can secure up to 60-85% of the value of the gold as a loan, giving you access to a significant amount of money depending on the market price.
Attractive gold loan interest rates in 2025
Enjoy competitive gold loan interest rates that are typically lower than unsecured loans, ensuring you get the best deal without the added financial stress.
Secure storage of your gold
Your gold is stored in highly secure vaults and insured for the entire loan term.
Flexible repayment options of gold loans in Sri Lanka
Choose a repayment schedule that suits your financial situation. Offers flexible options to suit your needs.
“Gold continues to be one of the most trusted personal assets for Sri Lankans, and in times of urgent cash requirements, it often becomes the go‑to source of stability.” — Ceylon Today
Eligibility criteria for gold loans in Sri Lanka
- Must be 18 years of age or older.
- Gold jewellery or coins with a minimum purity of 18K (18 carats) are eligible.
- You must provide proof of ownership of the gold you are pledging.
- There is no requirement for income proof or credit score verification as the loan is secured against the value of your gold.
💰 Apply for a gold loan today and unlock quick cash while keeping your gold safe!
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Info and review Monigo.lk Minimum APR: 1% (First loan with 0% interest and service fee), Minimum period: 90 days, Maximum period: 180 daysGet a loan
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Info and review Credify.lk Credify.lk. Sri Lanka. Email: info@credify.lk. Maximum percentage interest rate (APR): 365%. Loan term: from 90 days to 12 months. Calculation example (representative example): Loan of RS 50 000 for 6 months, monthly payment RS 8 948, total amount RS 53 688, annual percentage rate APR 15%. Credify.lk is not a lender and does not grant loans. Each lender is licensed. The offers on the site do not include all financial companies or their products. We are not a loan company/loan broker, but we do offer loan comparison services and they are informative.Get a loan
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Info and review Fino.lk Minimum APR: 1% (First loan with 0% interest and service fee), Minimum period: 90 days, Maximum period: 180 daysGet a loan
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Info and review Loanplus.lk You borrow Rs. Apply for 10,000 and choose 5-day easy repayment, your 5-day payment will be only Rs. 12,300. So your total loan amount will be only Rs. 2300 per month.Get a loan
How to apply for a gold loan in Sri Lanka (step-by-step guide)
- Step 1: Visit the relevant branch or apply online. Visit any branch across Sri Lanka or fill out the quick online application form to start the process.
- Step 2: Gold appraisal. Bring your gold jewellery or coins for an appraisal by experts. The purity and weight of the gold are assessed to determine the loan amount.
- Step 3: Loan approval and disbursement. Once your gold is valued, the loan amount is approved based on its market value. The loan amount will be disbursed within a few hours, either in cash or directly to your bank account.
- Step 4: Repayment of the gold loan. You can choose your preferred option from the flexible repayment options. Upon full repayment, your gold will be returned to you safely.
👉 Learn more about bank loans:
Choose a gold loan in Sri Lanka with Lafingo
Gold loans in Sri Lanka are a safe, fast, and flexible way to cover urgent financial needs without selling your assets. By pledging your gold, you gain quick access to funds for personal, business, or emergency expenses – all while your valuables remain secure.
With Lafingo, you can easily compare lenders, review interest rates, and choose the most reliable and affordable option. This ensures transparency, saves time, and helps you make the smartest financial decision.
👉 If you’re considering a gold loan, use Lafingo to find the best gold loan available today.
Frequently Asked Questions (FAQs) about gold loans❓
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How does a gold loan work in Sri Lanka❓
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Is my gold safe when I take a gold loan❓
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What can I use a gold loan for❓
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How quickly can I get a gold loan❓
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Why use Lafingo to compare gold loans❓
